Be Smart About Money and Financial Literacy

Oh, the things you can buy with a small piece of plastic. It may seem like your first credit card is a ticket to buy anything you want, but be careful. Credit can be your best friend or your worst enemy if you don't manage it right. Credit may help you pay for college or buy your first car. It can be a great financial tool, but you must learn to use it wisely. This book shows readers the various forms of credit, the best ways to use credit, and will help them manage their debt so they can build a strong financial future.

Should you buy that smartphone at full price now or wait for the sale? Shopping can be fun but also stressful, especially on a teen-sized budget. That's why it's important to be a critical consumer. It's easy to spend money, but how do you save? With helpful tips and math word problems, this book will show readers how to make smart financial decisions, avoid the bad deal, and get the most for their money.

Doctor. Lawyer. Teacher. Astronaut. President of the United States. There are thousands of careers out there. Maybe you don't know what you want to be yet, but no matter what career you're interested in pursuing, the dream, and the hard work to get there, starts now. So it couldn't hurt to be prepared. From smart ways to pay for college to decoding a first paycheck, this book helps readers with the basics of choosing a college and setting a career plan they can achieve.

When you get your first paycheck, the impulse is to spend it right away. After all, there's the new smartphone and video game system you want, but if you choose to spend quickly, you'll find your money disappears, fast. How do you avoid this common mistake? Smart money management and budgeting. Be prepared for your first paycheck. Plan a budget. Save. This book shows readers the basics to managing money, provides smart ways to save and spend, and shows how to create a personal budget.

Have your readers ever been in a car accident? Did they ever go to the hospital because they were really sick? Accidents happen. People get sick. Life is unpredictable, and, unfortunately, bad things can happen. You cannot protect yourself from everything, but you can protect your future with smart choices and another helpful, life-saving tool, insurance. From auto insurance to health insurance to life insurance, this book helps readers to learn about the importance of insurance and risk management.

With 100 dollars in your pocket, you could buy new jeans, a pair of shoes, and a couple movie tickets. You might still have some left over, but what if you took that 100 dollars and invested it instead? In ten years, that 100 might turn into 1,000, even 10,000 dollars. Saving, planning, and smart investments can make your money grow. It might not be as much fun as spending it, but you'll be much better off in the future. This book will help readers get started on the best ways to save money, learn about the stock market, and plan their financial future.