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A Guide to Making Smart Financial Choices (40 pages) is a 10-chapter workbook designed to help individuals understand basic concepts about money and making informed financial decisions. Exercises progress from the simple concept of earning money up to the point of setting personal financial goals and creating an action plan to achieve them. Some of the topics discussed include: opening a bank account, planning for purchases, paying bills and budgeting, credit cards, and saving money. Topics are presented in a straight-forward, easy to understand manner and the exercises challenge participants to apply this information to their own life. The program is designed to be implemented in an open-ended group format, where completion of each step is checked by the facilitator.