Top 10 Tips For Developing Money Management Skills

Readers are encouraged to think about money as a tool—like a Swiss Army knife that can be used for many different tasks, to create things we want in our lives. Money is like a tool, in more ways than one. It is an all-purpose survival kit, because life gets tough without it. If we handle money carelessly, it can do serious damage. And just like any tool, sometimes it works great, sometimes it doesn’t. The ten tips found in this book are ideas shared by many people, from billionaires to working-class moms, dads, and kids. Readers will learn about spending, saving, investing, setting financial goals, budgeting, borrowing, and seeking financial advice. Some tips involve doing specific things: writing, adding, and subtracting. Others suggest ways of thinking about money and what we do with it. This volume is intended to help readers get the most out of this tool we call money, whether dealing with a lot of it, or just a little. Readers are encouraged to think further with 10 Great Questions to Ask an Economics/Finance teacher and Myths & Facts.

Readers are encouraged to think about money as a tool-like a Swiss Army knife that can be used for many different tasks, to create things we want in our lives. Money is like a tool, in more ways than one. It is an all-purpose survival kit, because life gets tough without it. If we handle money carelessly, it can do serious damage. And just like any tool, sometimes it works great, sometimes it doesn't. The ten tips found in this book are ideas shared by many people, from billionaires to working-class moms, dads, and kids. Readers will learn about spending, saving, investing, setting financial goals, budgeting, borrowing, and seeking financial advice. Some tips involve doing specific things: writing, adding, and subtracting. Others suggest ways of thinking about money and what we do with it. This volume is intended to help readers get the most out of this tool we call money, whether dealing with a lot of it, or just a little. Readers are encouraged to think further with 10 Great Questions to Ask an Economics/Finance teacher and Myths & Facts.

A career is more than a job. It is the contribution a young adult will make to his or her community and world. This helpful handbook supports teens in beginning the career planning process. Structured in the form of "tips," the book presents important steps in the process, including examining one's own characteristics and values, investigating the world of work, and studying the changing career outlook. The text also gives information and advice for strengthening one's career readiness, such as learning valued 21st -century skills and polishing one's self-presentation.

All students need strong study skills in order to succeed in school. Unfortunately, there often isn't time in content-focused middle schools and high schools to teach the fundamental strategies for academic success. This friendly, accessible guide gives students an experienced educator's top ten tips for doing well in school, including setting goals, getting organized, and studying effectively. Topics such as taking good notes, outlining an essay, studying with mnemonics, and planning long-term projects are covered in a fun and memorable way. Armed with new strategies, any student can become more organized, confident, and successful.

Unlike other animals, which are born with strong instincts, we humans must learn how to live socially—and we learn from the people around us. As a result, we’re closely linked to the community we’re raised in. Our daily lives and identities are affected by the common experiences shared with the people in our community. We learn the community’s values, history, and rules. When we become part of a community, it becomes part of us. Citizenship is the state of being an active, engaged, and productive member of a community. As citizens, we get certain rights, but also certain responsibilities. To be good citizens, we must live up to these responsibilities. That’s because we share our future with the other individuals in our community. Our actions affect them, and theirs affect us. A community can only grow and flourish through time if good citizens do their best to improve it. We all have a sense of right and wrong, but we don’t always follow our better judgments—good citizens must also live ethically, or morally. Whenever we decide not to live ethically, we risk hurting the people around us and ourselves. Being a good citizen has immediate rewards. Ethical living and good citizenship can improve your academic and social success, your happiness and quality of life, and your future prospects for professional success. By being good citizens and living ethically, we encourage others to do the same. This book provides ten tips on how to be a good citizen and live ethically—ethics 101, consider the consequences of your actions, be a good neighbor, take every opportunity to make friends, be respectful, obey the law, know and stand up for your rights, know your rights, stay informed, and get involved. The book also provides reasons why readers should care, and how they will benefit their community and self by being a good citizen and living ethically.

With people spending an increasing number of hours every day using computers, tablets, and smartphones, safe and responsible digital communication awareness is absolutely essential. Making pre-teens and teens aware of the dangers that exist alongside the enriching information and entertainment to be found online is pertinent. Tweens and teens are vulnerable to various Web-based pitfalls, such as cyber-addiction, overspending, over-sharing, and downloading viruses—not to mention cyber-predators, scam artists, bullies, and flamers. In order to use digital communication technology safely, responsibly, and successfully, people need to learn how to avoid, prevent, or respond to uncomfortable or even threatening situations. Awareness is brought to readers through the elaboration of ten incredibly useful tips, exactly how to navigate the Web and use digital technology safely and responsibly, and how to do so without causing harm to oneself or others. Learning and following these precautions will not only keep users safe from predators, bullies, and scammers, but will also protect their hard drive, their credit rating, their identities, their reputations (both online and offline), and even their future job prospects. Emphasis is placed not only on learning how to avoid becoming a victim of negative digital activity but also on warnings against becoming a perpetrator, especially of cyberbullying, flaming, and other types of online peer harassment. Readers are encouraged to learn even more with 10 Great Questions to Ask an IT Specialist and Myths & Facts.

Navigating the financial world in the modern economy can be tough for teens. Studies show that teens often don't understand the basics of creating and maintaining a budget. This volume shares some creative and smart tips to help anyone interested in developing a budget to do just that. The short, to-the-point format makes for a quick, informative read. Quick tips and financial facts are included for fast reference to invaluable information.

Teens are big consumers, spending more than $200 billion yearly in the United States alone. But many have scant knowledge and skills for spending money responsibly now and in the future. With the ten secrets for wise spending revealed in this book, readers gain the tools to both afford their expenses and save more cash. In addition to budgeting, teens learn to shop smart, accurately judging affordability, discerning needs vs. wants, identifying value, and calculating the true cost of an item. Fascinating financial facts, questions for an expert, common myths, and a helpful glossary all contribute toward helping make readers financially literate.