This manual provides teachers with lesson plans in consumer education. Each lesson contains background material offering the teacher specific information on the subject of the lesson, development of understandings, student worksheets, and discussion questions to encourage student involvement. The ten lesson plans are--Buying on time, Retail installment contracts, Shopping for money, Getting more for your money, Banking services, Fraudulent selling, Shopping for clothing and food, Sales--discount and seasonal, and Landlord-tenant relationship. Emphasis has been placed upon the benefits derived from accurate information. Students become familiar with the full meaning of contract signing, and learn about the lending institutions, the varied cost of borrowing money, and how to shop carefully. (Document includes a separate set of student worksheets. Free copies of this publication are also available to New York State school personnel when ordered through a school administrator from the Publications Distribution Unit, State Education Building, Albany, N.Y. 12224.) (aj)