This study investigated whether spending habits before and during the Great Recession predicted financial distress. Financial distress was defined as failing to make mortgage and non-mortgage loan payments on time. Data from the 2007-2009 panel of the Survey of Consumer Finances revealed that one's prerecession spending habit did not seem to…

This booklet on financial plans, 1 in a series of 12, covers all the basic aspects of personal- and family-money management. Suitable for use by high school and college students as well as adults, this handbook presents an easy-to-use plan for managing income and reaching financial goals. The importance of planning is discussed first. The next…

This booklet is a simple, practical guide for managing money. It provides advice to help the reader balance expenses with income and get personal finances in order. The booklet takes the reader step by step through the processes involved in setting up a basic financial plan and shows him/her how to tailor it to fit personal needs. It explains how…

This guide is intended to assist curriculum planners and classroom teachers in designing and implementing personal finance instruction to meet a variety of student needs, interests, and abilities. It is organized under five concept areas: employment and income, money management, credit, purchase of goods and services, and rights and…

The guide was developed to aid teachers in planning and developing programs in personal finance education which will prepare students to function as intelligent consumers. Three case studies illustrating common consumer problems are followed by the body of the guide, focusing on five major topics and incorporating economic, social, and physical…

This guide provides a framework for teaching consumer education to senior high and adult education classes. It may be used to develop a broad consumer economics program, to teach a single unit, or to incorporate money-managing concepts into various subject areas. Introductory materials include suggestions for adapting materials to curriculum…

The document contains theoretical and practical information to aid social studies classroom teachers as they develop and implement consumer education programs. The monograph is presented in three major sections. Section I illustrates the kinds of theoretical content the author believes are appropriate for a school consumer education program.…

The proceedings contain 36 research papers and summaries/recommendations of 12 panels participating in the 1981 symposium, providing varied and extensive discussions about Hispanics in business, as consumers, and as managers. The materials are divided into five sections, each prefaced by a 1-4 page discussion highlighting the relevance of the…

This guide lists programs and instructional materials developed by or available through the consumer education division of the Philadelphia School District. Opening sections outline skills to be developed through consumer education, specific services of the consumer education division, and various workshops and inservice programs for teachers and…