This project is appropriate for high school, college or adult education classes. Included in this project are handouts pertaining to the difference between wants, needs, and budgeting each month for both. Also included are handouts covering tracking expenses for 7 days, how to organize records and receipts, importance of insurance and evaluating credit cards, explanation of payroll deductions, tips on retirement and health insurance, etc. Included are 26 shopping tips for cutting expenses and