Resource Management

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The Resource Management Skills Facilitator Guide is a collection of step-by-step instructions for teaching 40 personal skills activities (740 minutes) to groups of youth and adults.

The general philosophy of American society today is stated in the quote from the writer, Artemus Ward, "Let us all be happy, and live within our means, even if we have to borrow the money to do it." Debt is one of our society's biggest problems. Because of credit cards, mortgages, car payments, and loans, the average American teeters on a financial high wire that too often ends in disaster. Credit card debt alone amounts to billions of dollars. People want things now and don't have the patience to save and wait for them. Buy now and pay later is the popular philosophy of today. Many times the items bought are worn out and have little value before the last payment is made. The money paid in interest added to the original cost makes purchases even more costly. Debt has a high price tag but most Americans don't seem to care.

  1. Taking Care of Your Clothes
  2. Maintaining Your Stuff
  3. Wants vs. Needs
  4. Prioritizing Wants and Needs
  5. Changing Your Wants and Needs
  6. Focusing on Needs
  7. Buying What You Need
  8. The Price is Right
  9. My Actual Money
  10. Credit Card Addict
  11. When Should I Use Credit?
  12. Waste Not, Want Not
  13. How Much Food Do You Waste?
  14. Waste Inventory
  15. Making More Money
  16. Living Under Budget
  17. Creating a Budget
  18. Budgeting for Charity
  19. Sweet Savings
  20. Saving for Stability
  21. A Penny Saved
  22. Saving is Not a Sacrifice
  23. Winning the Lottery
  24. Pennies in a Jar
  25. Preparing for an Emergency
  26. Stocking Your Supply
  27. Cutting Back
  28. Cutting Coupons
  29. Comparison Shopping
  30. Balancing Act
  31. Checkbook Mess
  32. Checkbook Register Evaluation
  33. Should I Loan That?
  34. Interest Rate Facts
  35. Cut Up Your Credit Cards
  36. Being In Debt
  37. Planning for Retirement
  38. $1 Million Retirement
  39. Social Security Benefits
  40. Being Resourceful at Home


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