This module, one of six on teaching consumer matters to low-income groups, focuses on budgeting and managing money. Budgeting is examined in two contexts: skills which apply to everyone at every income level and skills which specifically apply to low-income people. Topics include how to write a budget (starting a group workshop, small group work, calculating income, calculating expenses, balancing the budget, paying bills, record keeping, getting out of debt), and signs of financial trouble. A list of related materials available on a free-loan basis from the Office of Consumer Affairs and other sources of related information and asistance conclude the document. (CT)