For example, our Bosnian and Vietnamese refugees are quite savvy with money with the exception of the illiterate few. We use play money and copies of local utility billings to teach. When the students have mastered those, I have my teachers introduce savings and checking accounts. I wrote these materials myself. They include practice deposit slips, checks, and transaction records.
Students are at first given word problems and eventually actual bills.
We eventually teach budgeting in the same way if the students are with us long enough. We use actual application forms and teach word recognition so that clients are able to complete job applications on their own. They have a great deal of trouble with work related materials especially policy and benefits books. A few employers have paid us to translate their material. Communication at work is generally verbal.