needs vs wants
categories to include in a typical budget (including side accounts to set up for future expenses - buying a car fund, car repair fund, summer vacation fund, Christmas fund, etc)
controlling your spending (common temptations, various attitudes regarding spending "shopoholics, tightwads, etc)
immediate gratification vs planning for the future (starting savings early
managing debts and methods to pay them off
etc
what to do if you "run out of money" (communicating with your creditors, payment arrangements, beware of loan offers that sound "too good to be true"