Money Smarts A Guide to Financial Literacy Table of Contents Introduction........................................ 2 Acquiring Money................................ 2 Money in the Bank.............................. 3 Being a Smart Consumer................... 5 Ways to Pay......................................... 6 Building Good Credit........................ 11 Borrowing Money............................. 13 Creating a Budget............................. 14 Earning While You Learn.................. 17 Paying Taxes...................................... 18 Growing Your Money........................ 21 Protecting Your Assets...................... 24 Paying for College............................. 26 Closing Words................................... 30