This instructor's manual contains activities for teaching money management, financial planning, and obtaining and using credit. It is designed for use in three to four periods in classes in prevocational education in South Carolina. The guide describes the activities, sets goals for student attainment, provides instructional objectives to meet the goals, and then gives directions for implementing the activities (including materials and resources required, class preparation, and class presentation). The guide also contains seven student worksheets with answer keys and seven transparency masters for duplication. (KC)