This manual, designed for both the teacher and curriculum planner, is organized around six major themes: planning, buying, borrowing, protecting, investing, and sharing. These major areas are used in place of more conventional topical categories because the emphasis here is upon each individual's behavior. A chart is provided that shows the relationship between the six themes and the standard topics of consumer and financial education. Each theme section is similarly organized. Following a brief overview, there is a list of the key ideas of the area. This list is accompanied by a list of questions for development--points of inquiry that can be pursued by teachers and students. A number of illustrative activities then follows. These have been planned to influence and reveal behavior, as well as develop the key ideas. A coding system is used to identify experiences believed to be appropriate for students in primary, intermediate, and secondary grades. Suggestions are included for transparencies, bulletin boards, and charts. The last element of each major section, Evidence of Learning, lists what an educated person knows, can do, and does about the theme. A number of special statements provide guidelines for the use of specific teaching techniques, e.g., discussion, evaluation, problem solving, and decision making. (Author/JLB)