This financial management program curriculum, originally written in 2006 by Josephine Turner, has been archived and is no longer available on EDIS. PDFs are available for reference purposes in the UF Digital Library.

Consumer debt is a major problem for many families. They have more debt than they can pay. Savings are at an all-time low, and personal bankruptcy is at an all-time high. Financial literacy is a problem nationwide for both adults and young people. This manual was written for Florida's debtor education program and approved by the Department of Justice to fulfill the education requirement of the bankruptcy law. It is designed to provide information which will help participants learn to better manage their available resources. There are four units: Charting the Course, Trimming the Sails, Standing Watch, and Staying the Course.