This student booklet on personal finances is one of six in the Employability Skills Series, a set of instructional materials designed to teach secondary students and adults the skills involved in getting and keeping a job. The competency-based material is oriented to young adults but written at approximately the fifth-grade reading level. (An instructor's guide is available separately as CE 031 164.) Designed to show the student how to get the most out of his/her pay, the unit focuses on three areas: paychecks and taxes, spending money (credit, prompt pay bill payment, budgeting, insurance, borrowing money), and banking (savings and checking accounts). A list of 15 knowledge and performance objectives acts as a table of contents. For each objective there are several pages of instructions and some activities for practice. A performance test with performance checklist is provided for each performance objective; a self-test is provided for each knowledge objective. Answer keys are provided for activities and self-tests where needed. These other materials are also given: unit review and glossary. (YLB)