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Cooperative Extension Service Departments
Family and Consumer Sciences Programming
Extension Resource Management Educational Curricula and Program Materials for
Adult Audiences, Including Focus and Base Programs
Updated June 2004
Programs that are *** are written for limited resource
audiences.
Other programs are also suitable. Consult with family resource management
specialist if in doubt.
Consumer Issues
Leader Training (EHC or Train the Trainer)
Charitable Giving: Who Really Benefits From the Dollars You Give?
- Do not be victim of a charitable scam. You want your gift dollars to make a
difference in person's lives. Learn how to determine which charities are
legitimate and which charities have low administrative expenses. (Volunteer
Leader Training Guide - 2001)
Fight Back and Win - Lead a discussion on steps to take to complain about
a purchase or service. Suggestions are given for how to make both oral and
written complaints work for you. (Russell)
Project
Medicare Fraud Patrol - A training program to teach EHC members and
others throughout Arkansas to spread the word about Medicare fraud and about the
power each of us has to make a positive difference. The training helps you learn
to identify behaviors that might be fraud and how a Medicare client or the
client's caregiver can go about getting the help they need.
Organizing Finances
Leader Training (EHC or Train the Trainer)
Selecting A Professional Advisor - Professional advisors come with
different credentials, such as, financial planners, brokers, insurance agents,
bankers, lawyers, and so. What do these credentials mean? What role does
confidence in the advisor play when hiring a professional? Discuss what
financial advisors can and cannot do for you. (Lynn Russell)
What A Spouse Needs to Know About Finances
- Teaches how to organize finances so another person can understand finances at
time of disability or death. (Volunteer Leader Training Guide - 2002)
Financial Goals, Planning Spending
Leader Training (EHC or Train the Trainer)
Families, Youth and Gambling: Who is Vulnerable? - Lead a discussion
on extent of gambling, by whom, and affect on the family. Discuss stages of a
gambling addiction. Learn questions to ask to determine if gambling is a problem
with a family member or friend. (Volunteer Leader Training Guide - 2000)
Financial Caregiving: Helping Your Older Adult Manage Personal Finances -
Lead a discussion on how to help a parent or other older adult manage their
money. The discussion is relevant for adults as they age and become more
fragile. Includes handouts to guide discussion. (Volunteer Leader Training Guide
- 2004)
Getting the Most Out of Your Medications: How to Buy - Lead a discussion in
the options available for obtaining prescription drugs at reduced costs outside
the new (2004) Medicare system. Learn the benefits of price shopping for
over-the-counter medications. Learn how to read an over-the-counter drug facts
label. (Volunteer Leader Training Guide - 2004)
How Do You Manage the Holidays? - Lead a discussion on how to manage holiday
schedules and minimize stress. (Volunteer Leader Training Guide - 1999)
How's Your Wealth's Health? - Learn how to calculate your net worth, a
first step before beginning any major financial step. Lenders want a list of
your assets and debts before approving a loan. Financial planners want to know
your net worth to best advise you how to divide your investments to meet your
financial goals. (Russell)
Making the Most of Your Food Dollar: Feeding Children - Seven parents
newsletters each with a teaching guide discuss how to save your food
dollar: Planning Meals and Snacks (1); Breads, Cereals, Rice, Pasta (2); Fruits
and Vegetables (3); Milk, Yogurt, and Cheese (4); Meat, Poultry, Fish, Dry
Beans, Eggs, and Nuts (5); Fats, Oils, and Sweets (6); Feeding Children on a
Budget (7). (2002 Agent Teaching Guide) (Forthcoming: Exhibits to illustrate
each lesson.)
Matching Your Money and Your Spending Month by Month - April, August, and
February are all difficult months when money is tight. Discuss daily suggestions
for stretching your money so you will have more month than money. (Volunteer
Leader Training Guide - 2001)
Reaching A Financial Goal - Learn how to determine how much money you
need to save to reach a financial goal? (Volunteer Leader Training Guide - Learn
A Bunch At Lunch packet)
Save Money and Save the Environment: A Lesson on Buying Energy Efficient
Products for the Home - This lesson explores 1) What's new in home
appliances; 2) How consumers can be sure they are purchasing energy efficient
products; 3) Guidelines to follow when it's time to replace your refrigerator,
clothes washer or dryer. (Volunteer Leader Training Guide - 2002)
Smart Money - Teaching Children About Money - When parents understand
money management, they serve as role models for their children. (Volunteer
Leader Training Guide - 2000)
Think Before You Spend - Planning spending and taking time to think about a
purchase rather than spending compulsively is the theme of this lesson.
(Volunteer Leader Training Guide - 2001)
Curricula
***Money & You (Limited Resource Audiences)
A multi-state money management curriculum for limited resource audiences is
accessed on a protected
web site.
To access user id: tristate; password: moneyalm). All counties received a
paper copy. Report this activity under extension programs, managing resources,
limited resource audiences. Lessons include:
Communicating And Money (1), Shape Up Your Spending (2), Avoiding
Unpleasant Surprises (3), Cash Crisis (4), Slim Down Your Debt (5),
Making It On Your Own (6), Earned Income Tax Credit (7), Making Wise
Decisions - Your Transportation Needs (8A); Your Child Care Needs (8B).
Financial spending lessons are in bold. Un-bolded items are credit
lessons.
***Money Management Lessons - Life Skills for Work & Family
Lessons not listed elsewhere include:
Paying Bills on Time - how to keep track of bills and what to do when can
not pay.
Tracking Expenses - simple ways to keep track of what you spend.
The Budget Game - an experiential activity to make a budget for family
who does not qualify for government programs.
Money2000 Workbook or in Files
The Spending Plan Workbook (self-study or individual lessons)
1. Identifying Financial Goals
2. Knowing Your Income
3. Tracking Expenses
4. Making A Spending Plan
5. Determining Net Worth
Individual Lessons
**Check It Out - Using A Checking Account to Manage Your Money (suitable
for limited resource audiences)
Let's Talk About Money
Shape Up Your Spending
Simulation Activity
*** Life in the "State of Poverty" - A simulation that teaches how
families manage a month of living in poverty. Each family is asked to pay all
bills, buy food and pay the rent or mortgage, and keep their children in school.
A debriefing and discussion follows the activity. Contact the family resource
management specialist.
Project
Money on the Bookshelf - The program is designed to encourage reading
children books with money themes. Includes a list of books an EHC could buy for
the local libraries and a leader's guide on how to engage the children in a
discussion of the money themes of each book. All counties received a notebook in
2001.
Decrease Debt
Money & You curricula for limited resource audiences:
Cash Crisis (4)
Slim Down Your Debt (5)
Money2000 Notebook - Individual Lessons
***Cash Crisis
Credit Danger Signs
Honey, I Shrunk the Debt
The Card Game Called Credit
***Slim Down Your Debt
Increase Savings / Investing
Money2000 Notebook
***How to Save A Dollar When You Don't Have A Dime to Spare
How to Save $1,000 or More A Year
***Feather Your Nest (suitable for limited resource audiences)
Investing for Your Future
The 11-unit series is on the web. Go to and link to families, money, and
investments. A printed master copy was distributed to the counties in August
2001.
Retirement
Late Savers
Guidebook discusses how to catch up on retirement savings including
strategies to increase retirement funds. There are numerous worksheets to help
you.
Plan Well, Retire Well
is a web-based educational program for younger workers in their 20s and 30s. It
will help you with investing, saving through tax-deferred retirement plans, and
show you how money grows over time. Interactive tools will help you evaluate
your current financial position and set goals for the future.
Retirement - Secure Your Dreams
Order license through family resource management specialist.
A web-based curriculum with six themes:
Saving/investing/asset management
Health and Long-term-care risk management
Interpersonal/intergenerational communication
Retirement income sources
Changing health/independence
Changes in life situations (widowhood, divorce)
Special Interest/Self-Study
Planning for A Secure Retirement (Available on Web Only) - A web-based
home/self study course or EHC study or special interest activity.
Link to families, money, and your money.
However, the lessons are short and easily copied. Many of the lessons involve
linking to other sites.
Legal Issues
Leader Training (EHC or Train the Trainer)
Leader's Guide - Use with EHC, Planning for the Long Term Focus Program, and
Financial Security in Later Life Focus Program
Financial Caregiving: Helping Your Older Adult Manage Personal Finances -
Lead a discussion on how to help a parent or other older adult manage their
money. The discussion is relevant for adults as they age and become more
fragile. Includes handouts to guide discussion. (Volunteer Leader Training Guide
- 2004)
Financing Long-Term Care - Lead a discussion on the financial issues when
planning how to finance health care costs, home-care, nursing home care, and
other types of custodial care. (Volunteer Leader Training Guide - 2003)
How to Make A Living Will
- Discusses how to make a living will and designate a health care proxy.
(Volunteer Leader Training Guide - 2003)
What Every Spouse Needs to Know - Discusses what you need to do in event of
death of a spouse. (Volunteer Leader Training Guide - 2002)
Who Gets Grandma's Yellow Pie Plate? - Transferring Non-Titled Property -
More conflicts among family members may happen when deciding who will get the 25
cent Christmas ornament than dividing the deceased funds. Discuss why there is
not a "fair" way to make these decisions but some methods may be better than
others. (Order copy from family resource management specialist.)
Workforce Preparation
Leader Training (EHC or Train the Trainer)
Experience Resumes and Targeted Cover Letters - Experience resumes are for
persons with little formal job experience but marketable skills and for persons
with a ragged resume. Targeted cover letters enhance a resume by focusing on
getting an interview for a specific job. (Volunteer Leader Training Guide -
2002)
***Job Skills for Work. A 12-lesson series in the Life Skill for Work
& Family curriculum designed to help a person prepare a job search, search,
secure and sustain employment. Lessons include: How do I look; Being the best
you can be; What jobs are available?; Changing jobs? Looking for a job?; Filling
out an application; How to have a successful interview; Getting along with
people on the job; So you got the job-now what?; Meeting the public; Work
relationships; Making a career change.
Youth Workforce Preparation. See
Resource Management
Materials
- Youth.
Time Management
Time Management: The Care and Feeding Monkeys - An analysis of time use and
how to "get the monkey off your back." (Volunteer Leader Training Guide - 2002)
2004, July. Judith R. Urich, Ph.D., CFP, Family
Resource Management Specialist
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