How do we use money?

Offers a general introduction to credit and loans, covering their advantages as well as the disadvantages of accumulating debt, and provides advice on using credit responsibly.

Making your money grow over time is easier than you might think. Investing is a great skill to learn. The sooner you start investing, the more money you can make. But what kinds of investments are there? Which ones are risky, and which ones are safer? Read this book to learn how smart investors can grow their money.

Most people earn income by working at jobs. However, jobs are not the only way to make money. People receive money as gifts, by selling something they make or own, and by investing. But did you know people don't get to keep all of the income they earn? From allowances and salaries to paying taxes, read this book to learn more about income. "Decision time" sidebars help you analyze real-life scenarios and evaluate the choices people have to make about earning money. Learn how people find jobs and what factors you should consider for your future career.

People spend money on food, fashion, and fun. But how can you spend money wisely? How do you figure out what you want to buy and what you need to buy? Money is a key part of our world, and knowing how to use it is especially important. Read this book to learn how to save, to spend, and to build your own budget. "Decision time" sidebars help you analyze real-life scenarios and understand the choices people need to make when managing their money. Learn how to set and work toward short- and long-term financial goals, and explore the real costs of your purchasing decisions.