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.
- Taking Care of Your Clothes
- Maintaining Your Stuff
- Wants vs. Needs
- Prioritizing Wants and Needs
- Changing Your Wants and Needs
- Focusing on Needs
- Buying What You Need
- The Price is Right
- My Actual Money
- Credit Card Addict
- When Should I Use Credit?
- Waste Not, Want Not
- How Much Food Do You Waste?
- Waste Inventory
- Making More Money
- Living Under Budget
- Creating a Budget
- Budgeting for Charity
- Sweet Savings
- Saving for Stability
- A Penny Saved
- Saving is Not a Sacrifice
- Winning the Lottery
- Pennies in a Jar
- Preparing for an Emergency
- Stocking Your Supply
- Cutting Back
- Cutting Coupons
- Comparison Shopping
- Balancing Act
- Checkbook Mess
- Checkbook Register Evaluation
- Should I Loan That?
- Interest Rate Facts
- Cut Up Your Credit Cards
- Being In Debt
- Planning for Retirement
- $1 Million Retirement
- Social Security Benefits
- Being Resourceful at Home