17
Chapter 20 Balancing Family and
Work 428
20:1 Work Patterns
430
Work Patterns for Men 430
Work Patterns for Women 431
Dual-Career Family Work Patterns 431
Choosing a Work Pattern 432
20:2 Managing Multiple Roles
435
Identifying Resources 435
Substitute Child Care 436
Choosing Substitute Child Care 437
Managing Household Tasks 440
Think It Through: Balancing Family
and Work 443
Chapter 21 Becoming a Leader in
Your Community 446
21:1 Effective Leadership
448
Responsibilities of Group Leaders 448
Leadership Roles 449
Leadership Styles 450
Developing Your Leadership Style 451
21:2 Effective Groups
454
Qualities of Successful Groups 454
Roles and Responsibilities of Group
Members 455
How to Plan, Organize, and Evaluate a
Group 456
21:3 Your Role as a Citizen
459
Your Voting Rights 459
Levels of Government and Their Laws 460
Types of Laws 461
Paying Taxes 462
Citizen Involvement 464
Think It Through: Using Leadership
Skills 467
Connecting with Career Clusters:
Human Resources Manager 470
Unit Six
Managing Your World
Chapter 22 Managing Your
Time 474
22:1 Why Manage Time?
476
The Benefits of Time Management 476
Time Management and Values 476
Time Management and Goals 477
22:2 How to Manage Your Time
479
Your Time Management Plan 479
Avoiding Time Wasters 480
Time Management Tools 481
Think It Through: Managing
Time 483
Chapter 23 Managing Your
Money 486
23:1 Your Income
488
Income from Work 488
Income from Savings and Investments 489
Income During Emergencies 490
23:2 Using a Budget
491
Establishing Goals for Your Income 491
Estimating Income 492
Planning Expenses 492
Planning for Savings 492
Making a Budget Work for You 493
23:3 Banking Services
495
Checking Accounts 495
Online Banking 496
Savings Accounts 497
23:4 Using Credit Wisely
499
Credit Cards 500
Loans 500
The Cost of Credit 501
Applying for Credit 501
Think It Through: Hans and Britta’s
Budget 503