Independent Living Program - Florida's Center for Child Welfare

Banking and Credita. Maintains a balanced checkbook for six consecutive months.b. Maintains positive balance in checking account and has no overdrafts for six consecutive months.c. Obtains and successfully pays off one loan or credit card to establish credit.Budgeting/Spending Plana. Established a monthly budget/spending plan.b. Limits spending to pre-planned financial budget for six consecutive months.c. Pays all required bills on time for six consecutive months.Consuminga. Consistently demonstrates skills of comparison shopping.b. Demonstrates frugal shopping skills for three consecutive months, staying within budget.c. Uses product label information to make purchasing decisions (e.g., food labels give nutritional information, clothing labelsprovide washing instructions).d. Consistently chooses generic products when value is equal.e. Consistently chooses necessities and avoids “fads” when purchasing products.Leisure Timea. Participates in leisure activities which are legal for his/her age for 12 consecutive weeks.Legal Issuesa. Consistently remains within legal standards in his/her community for six consecutive months.b. Successfully adheres to legal commitments, such as leases, credit commitments, and other contractual arrangements for oneyear.Life Skills Guidebook 163©2004 by Casey Family Programs.