Spending Money

Overview

When you work for a paycheck or do chores around the house to get an allowance from your parents, you're exchanging the value of your time for money. Thinking of money as the time you spent working to earn it can help you understand the value of your time, your money, and the things you buy with it.

All it takes to make a smart spending decision is to stop and think about the item you're buying.

Advertising, buying things impulsively, shopping ...

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Spending Money

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Overview

When you work for a paycheck or do chores around the house to get an allowance from your parents, you're exchanging the value of your time for money. Thinking of money as the time you spent working to earn it can help you understand the value of your time, your money, and the things you buy with it.

All it takes to make a smart spending decision is to stop and think about the item you're buying.

Advertising, buying things impulsively, shopping for entertainment, shopping at the last-minute, and shopping at the mall can all lead you to make unwise spending decisions.

Whether you're using cash, credit, or checks to pay for the items you buy, each form of money has its own benefits and drawbacks.

Spending your money wisely when you're young will help put you on a path to financial security in the future.

Learn all this and more in Spending Money.

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Editorial Reviews

Children's Literature - Jean Boreen
This text is part of a series specifically focused on introducing young adults to issues related to the world of money. This particular text, focused on learning how to spend money in a smart way, contains twenty-six well-detailed chapters that follow a general introduction concerning why young adults need to think of a number of issues before they spend their money, then proceeds to discuss everything from the enemies of wise spending to credit and inflation issues. Topics such as tips for making one's money last, keeping a money diary and making a budget, whether to use cash, checks or credit cards, and the goods and bad of credit are also considered. The "Here's What You Need to Remember" section recaps the text with strong suggestions and tips for being a successful saver/shopper. The "Further Reading" and "Find Out More on the Internet" sections provide additional useful information for teens wanting to learn more before they enter the job market. This book, and the series in general, provides an interesting look at issues related to finances and money that young adults should be able to read, understand, and incorporate into their own daily financial affairs. Part of the "Junior Library of Money" series. Reviewer: Jean Boreen, Ph.D.
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Product Details

  • ISBN-13: 9781422218891
  • Publisher: Mason Crest Publishers
  • Publication date: 9/28/2009
  • Series: Junior Library of Money Series
  • Pages: 64
  • Age range: 12 - 15 Years
  • Lexile: 1170L (what's this?)
  • Product dimensions: 7.10 (w) x 9.10 (h) x 0.20 (d)

Table of Contents

Introduction 6

Spending Money: What's Really Going On? 8

What's Money? 10

Be a Wise Spender 12

The Enemies of Wise Spending 14

Advertising 16

Impulse Buying 18

Shopping for Entertainment 20

Last-Minute Shopping 22

Mall Shopping 24

Smart Spending Tips: Shop the Sales 26

Smart Spending Tips: Cheaper Entertainment 28

Smart Spending Tips: Use the Internet 30

Keeping a Money Diary 32

Making a Budget 34

Cash, Check, or Credit? 36

Checks 38

Debit Cards 40

Keeping Track of Your Checking Account 42

Credit 44

More About Credit and Spending 46

The Good Things About Credit 48

The Bad Things About Credit 50

Keep an Eye on Inflation 52

s Why Be a Wise Spender? 54

Here's What You Need to Remember 57

Words You Need to Know 58

Further Reading 60

Find Out More on the Internet 61

Index 62

Photo Credits 63

About the Author and Consultant 64

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