Don't Break the Bank: A Student's Guide to Managing Money
Language: English
Pages: 224
ISBN: 0768936470
Format: PDF / Kindle (mobi) / ePub
Middle school and high school students spend more money than ever these days, but most have very little (if any) knowledge when it comes to personal finances. The truth is that most schools don't have time to teach a Personal Finances 101 course. So what are today's students (and their parents) to do? Peterson's Don't Break the Bank comes to the rescue! It's a brand new, easy-to-comprehend guide to help students become financially savvy. Readers will find such financially relevant chapters as All About Money, Part-Time Jobs and Ways to Make Money; Analyzing Your Paycheck; Making Sense Out of Banking; Online Banking and Bill Paying; Saving for a Rainy Day; Understanding Debt and Credit; Charge It! (Paying with Plastic); Don't Spend It All in One Place: Creating-and Sticking to-a Budget; Money U: Managing Your Finances While in College; Investing; and How to Make Your Money Grow! Inside you'll find:
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and general running of the county. The amount withheld is applied to an employee’s annual tax liability itemized on the yearly tax return. State/Local Income Tax Similarly, states and many local taxing authorities also require employers to withhold income tax from their employees. These dollars are used to fund state and local programs, such as road maintenance, local law enforcement, and other state and local expenses. Social Security Tax Social Security Tax, also called
aid.” In health care, first aid is meant to prevent further harm and promote recovery. If someone is bleeding, first aid may involve applying pressure to the wound. Instead of losing blood, over-spenders bleed money, and much of it is borrowed. Financial first aid involves putting a stop to overspending and oftentimes halting the use of credit cards. Shop with cash to help avoid impulse buying. It might seem like a small action, but it can be a giant leap toward financial fitness. Studies
or start to foreclose on your house. Next, you should pay credit card bills. These are most likely to report late payments to credit agencies, which can hurt your credit. Utility companies are least likely to report late payments, so you usually have some wiggle room with them. However, keep in mind that they may suspend your service if your bill is past due, so you should always contact them to try and set up a payment arrangement to avoid that. Building Good Credit You don’t
whether to approve you for credit or a loan. Debit Card: card linked to a bank account, usually a checking account, used to pay for things instead of cash or check. You can only spend as much as you have in your bank account at that time; otherwise, your transaction will probably be declined, or your account will become overdrawn. Debt: money that you owe to someone. Debt is often the result of a loan or a credit account. Deposit: money put into a bank account. Direct deposit:
Quarters program). Half-Dollar The half-dollar features John F. Kennedy on the front and a design based on the presidential seal on the back. Dollar Right now, there are two dollar coins being produced in the United States: the Presidential $1 Coin Series (started in 2007) and the Native American $1 Coin. Both types of dollar coins look golden in color, although there is no gold in the mixture of metals used to make these coins. Presidential $1 Coin Native American
