This book is designed to help students in grades 3-5 make better decisions as spenders, savers, borrowers, and managers of money. The learning experiences focus on personal finance and money management. The 10 lessons are divided into 4 units focusing on children making spending decisions, saving decisions, borrowing decisions, and money management decisions. Lesson titles include: (1) "Decisions! Decisions! Decisions!"; (2) "To Choose Is to Refuse"; (3) "Vinnie's Pizza Parlor"; (4) "Why Do I Want All This Stuff?"; (5) "The Grasshopper and the Ant"; (6) "Jeff's Big Decision"; (7) "Why? How? Where?"; (8) "Credit Is Based on Trust"; (9) "Buddy Can You Spare a Dime?"; and (10) "The Road to Satisfaction." Contains a 40-item glossary of economics terms. (EH)