These student learning materials deal with various life skills vital to personal development. The following topics are covered in the individual units: human relations (personality traits, employer expectations, human relations situations, and job attitudes); techniques for securing a job (locating employment opportunities and developing job search skills); time management (developing a time plan and analyzing effective use of time); personal income management (factors involved in money management, steps in making a satisfying decision, and procedures for evaluating personal money management); banking procedures (writing checks, reconciling a bank statement, and selecting appropriate banking services for personal needs); obtaining and using credit and loans (evaluating credit and loan situations and applying for credit); and risk management (evaluating insurance coverage and determining insurance needs). A variety of learning materials is provided, including unit and specific objectives, information sheets, assignment sheets, and unit tests. (MN)