This booklet on managing credit, 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 tells how to establish credit, determine credit limits, and maintain a favorable credit history. Section 1 on understanding consumer…

Designed for first-time borrowers, this pamphlet describes the basics of credit as a part of personal financial planning. Following a self-quiz (with answers) that tests the reader's knowledge of credit, the pamphlet provides guidelines for responsible credit use and outlines steps to take if debt problems occur. Topics covered include the…

This module is one of a set of seven prepared in conjunction with the Title I "Project to Train Volunteer Leaders to Conduct Consumer Education Courses." It is designed to be a basic text for use in making a one-hour presentation on credit. Topics include definitions of credit, advantages and disadvantages of using credit, proper uses of credit,…

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 booklet gives young people who are just starting out on their own with a small income the information they need to manage their money. The following topics are discussed: how individuals can determine how much money they will have to live on; how to read a pay stub; Social Security and the future; the importance of putting money in the bank…

This module, one of six on teaching consumer matters to low-income groups, focuses on the appropriate uses of credit. It provides basic information about credit, particularly as it applies to low-income people, and offers some techniques which help the instructor present the information to these clients. Topics include a definition of credit, why…

This booklet is designed to help first-time car buyers determine if they can or should buy a car and how to get the most from their car-buying dollar. Leasing and renting options also are discussed. The booklet outlines the process of buying a new car, starting with a review of sizes, types, and features. This is followed by a rundown on showroom…

The handbook is comprised of eight chapters and nine appendixes which provide business management training and resource listings for rural women. Chapters cover aspects of financial planning, credit, recordkeeping, business regulations, personnel, federal taxes, estate planning, and property management. Appendixes include a will planning…

This set of lessons is designed as a home study course to help individuals come to terms with their finances. Lesson 1 explains the following steps in developing a financial action plan: determining priorities, setting financial goals, analyzing cash flow, planning spending, developing spending guidelines, making written spending plans, planning…

This chapter of "Principles of School Business Management" introduces the concept of cash management, or the process of managing an institution's moneys to ensure maximum cash availability and maximum yield on investments. Four activities are involved: (1) conversion of accounts receivable to cash receipts; (2) conversion of accounts payable to…

This module discusses several borrowing schemes to help students see more clearly the effects of borrowing money on both the lender and the borrower. They include borrowing from personal lenders, from "5-6" operators, and from credit unions. Three exercise sets with answers (one for each borrowing scheme), a short list of references, and…

This guide is designed to help people of all ages set up a budget and manage their money. It is organized in three sections: the Principles of Managing Your Finances, Financial Tools Used in Money Management, and Coping with Change. Section 1 consists of three chapters. The first chapter introduces the money management process, discusses goal…

This manual is designed to allow service providers at displaced homemaker centers to update and refresh their knowledge and information of consumer concepts and to initiate and implement some consumer education services designed to meet the needs of displaced homemakers. Material is divided into five parts. Part 1 focuses on financial management…

This module is one of a set prepared in conjunction with the Title I "Project to Train Volunteer Leaders to Conduct Consumer Education Courses." It is designed to be a basic text for use in making a one-hour presentation on personal money management. Topics include reasons for having a budget and guidelines for successful budgeting, elements of a…

Designed to help those who must consider relocating to secure employment, this relocation guide provides answers to a number of questions pertaining to moving, money management, and adjusting to a new community. Various aspects of deciding to move are covered, including reasons for moving, thinking of a move as permanent, feelings of homesickness,…