Money Smarts A Guide to Financial Literacy Table of Contents Introduction...................................................... 2 Acquiring Money................................................ 2 Money in the Bank ........................................... 3 Be a Smart Consumer ....................................... 5 Ways to Pay ..................................................... 6 Build Good Credit ............................................ 11 Borrowing Money ........................................... 13 Create a Budget .................................................. 14 Earn While Learning ........................................ 17 Paying Taxes ...................................................18 Grow Your Money........................................... 21 Protect Your Assets......................................... 24 Paying for College .......................................... 26 Closing Words................................................. 30