Designed as an aid for those teaching disadvantaged adults, this guide for consumer education for families with limited incomes consists of an overview for preparing teachers to teach consumer education to disadvantaged adults as well as English and Spanish instructional materials in 10 areas of consumer education. In the overview of teaching disadvantaged adults, the following topics are covered: characteristics and limitations of the poor, teaching bilingual adults, characteristics affecting learning, program planning, procedural considerations, teaching methods successful with disadvantaged adults, guidelines for person-to-person instruction, problem areas, evaluation techniques, amd making and using visual aids and handouts. Provided next are 10 units of instructional materials (presented first in English and then in Spanish) in various areas of consumer economics, including decision making, planning, buying, banking, borrowing, saving, insuring, sharing, earning, and protecting. Intended for use with groups having fourth to sixth grade education levels, each lesson contains behavioral objectives, vocabulary words, suggestions for content and learning experiences, suggestions for application of materials, and key ideas. Following each lesson are directions for developing materials, suggestions for simulating activities, and references to suggested visuals and teaching-learning materials. (MN)