This competency-based secondary learning guide on managing individual and family resources is part of a series that are adaptations of guides developed for adult consumer and homemaking education programs. The guides provide students with experiences that help them learn to do the following: make decisions; use creative approaches to solve problems; establish personal goals; communicate effectively; and apply management skills to situations faced as an individual, family member, student, and worker. Each learning guide includes the following sections: a general introduction and guidelines for using the material; a checklist for users for advance planning; introduction to the guide; specified competencies, with student outcomes/evaluations, definitions, key ideas, teacher strategies/methods, suggested student activities, sample assessments, and supplementary resources. Four competencies are addressed: (1) determine the resources available to self and family; (2) describe how the management of resources affects achievement of goals; (3) analyze lifestyle patterns to determine how resources may be used; and (4) plan strategies and practices to determine how resources may be used to yield greater satisfaction. Twenty-eight supplements contain information and activity sheets on the following: types of resources, values, personal goals, analyzing lifestyle patterns, use of money, making decisions, consumer decisions, increasing resources, spending plans, time use, and energy level. A bibliography contains 23 resources. (KC)