A full-year's applied mathematics curriculum has been constructed around typical situations students may encounter. The curriculum is divided into seven units, two of which are used at various times throughout the year. The units focus on various mathematical aspects related to: (1) money management; (2) shopping; (3) furnishing a room; (4) banking; (5) purchasing and operating an automobile; (6) taking a vacation; and (7) renting an apartment. Each unit contains its own introduction, its own chronology, objectives and detailed lesson plans for each week, all the original student worksheets that are needed, and tests suitable to unit materials. Lessons are not pre-printed with prices or rates which might become inappropriate or obsolete. Instead, students themselves must obtain this information by investigating the current market. Unlike a standard textbook, this curriculum is different for each student. Within the simulation framework, students have abundant opportunities to learn how and when to apply their knowledge of arithmetic. In addition, basic computation skills are taught and practiced on an individual basis, using the most attractive commercial materials available. An outline of this sequence (in puzzle format), computational skills tests, a list of resource materials, and program description are included in appendices. (JN)