The following financial literacy resources are for financial institutions, educators, community groups and consumers. These consumer education programs and initiatives are some of the most useful available today. Many of these programs offer curriculum guidelines, instructional materials and other free consumer-oriented literature.

MoneySmart
Money Smart, from the FDIC, is a comprehensive financial education curriculum designed to help low and moderate income individuals outside the financial mainstream enhance their financial skills and create positive banking relationships. Money Smart has reached over 2.75 million consumers since 2001. Research shows that the curriculum can positively influence how consumers manage their finances, and these changes are sustainable in the months after the training.

Money Math: Lessons for Life
Money Math: Lessons for Life from the U.S. Treasury is a four-lesson curriculum supplement for middle school math classes, teaching grade 7-9 math concepts using real-life examples from personal finance. The 86-page book is a teacher's guide with lesson plans, reproducible activity pages, and teaching tips. A teacher needs only one copy of Money Math: Lessons for Life to teach several classes of students.

Free to teachers, the program was developed by the Center for Entrepreneurship and Economic Education at the University of Missouri-St. Louis in accordance with national school mathematics standards. The lessons were tested in Missouri schools and received rave reviews. Teachers need not be experts in personal finance to use Money Math in the classroom; questions and answers are clearly provided in the book.