This report explains savings accounts and low-deposit investments in order to help consumers determine which accounts are right for them. It is divided into the following four sections (topics covered are listed in parentheses): (1) the savings program (setting savings goals, saving regularly, choosing a savings account, interest, the savings…

This report presents information on checking accounts, describes how to read a monthly statement from the bank, and provides guidelines for balancing a checkbook. Topics covered include: how banks record transactions; the importance of keeping personal records and of balancing the checkbook promptly; what happens when there are insufficient funds…

This report gives suggestions for starting a personal money plan, provides a worksheet for developing the plan, and offers ideas for putting the plan into action. Guidelines are presented for the following steps in developing a money plan: setting short- and long-term spending and saving goals; making a timetable for reaching those goals;…

This report describes principles and techniques for credit management. Topics covered include: (1) methods of determining personal credit limits; (2) ways to keep track of credit use; (3) suggestions for planning credit use; (4) explanations of single-payment charge accounts, revolving credit, installment credit, and consolidation loans; and (5)…

This revised pamphlet was developed by a national association of credit unions for the purpose of directing consumer complaints to appropriate agencies or heads of agencies for action. Suggestions to aid the consumer are included, such as trying to solve problems at the local level before complaining to top officials. Addresses and phone numbers…

This report provides parents with information on teaching their children about budgeting, saving, and careful spending as well as information on giving their children money, bonds, and stocks. Topics covered include: (1) participation of young children in family shopping; (2) money management skills developed through giving children an allowance;…

This personal finance guide assists teachers and curriculum committees in the selection of appropriate materials. The listings follow a common format: title; a brief description of the materials; the areas covered; the cost of materials; and information on how to obtain them. Materials cover the following areas: financial planning; purchase of…

This handbook for trainers in consumer education contains three main sections: content outlines, learning activities, and resource materials. The areas covered by the content outlines are: financial management, consumer credit, and the consumer in the economy. The learning activities section comprises a sampling of the best activities identified…