This consumer's (or student's) guide for a home-study money management curriculum is divided into five units of study: (1) financial planning; (2) coping with credit; (3) protection through life insurance; (4) financial aspects of housing; and (5) making your money grow. Each unit contains fact sheets, charts, and quizzes. The fact sheets in unit 1 cover guidelines for personal and family spending, budget planning, and taking financial inventory. The fact sheets in unit 2 cover different forms of credit, how to establish a credit rating, how to handle debt, buying a car on credit, and how credit laws protect the consumer. Basic types of insurance policies and guidelines for choosing a policy which matches individual needs is covered in unit 3. Unit 4 discusses various factors involved in purchasing a house, alternative housing options, homeowner's insurance, and types of mortgages. Finally, the fact sheets in unit 5 discuss establishing a personal or family savings plan, different ways to save, different methods of investment, and related information and protection for the consumer. A teacher's guide (CE 023 727) accompanies this document. (BM)