Overview

It is easy to spend money when you have a credit card or a loan. But it is also easy to spend or borrow more than you can afford. How can you use credit responsibly? How can you avoid going into debt? Read this book to understand how credit works.

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9781467752299

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These texts break down the most essential components of financial literacy for young readers, illustrating how to handle money carefully and make smart choices. 'Decision Time' charts put children in the driver's seat and ask them to make decisions, such as whether to pay with cash or credit. The visual graphics break down these complex ideas clearly and comprehensibly. The children featured look authentic and are from a variety of backgrounds. The books offer effective and concrete tips young people will easily grasp, such as motivating oneself by putting a photograph of a purchase goal on one's piggy bank or setting it as one's computer screensaver. Sidebars with numbers and percentages as well as numerous charts are useful. At times, however, the design is rather lackluster: dark greens and oranges give the cover a dated feel, and the selection of photos and graphics seem tired. VERDICT: A suitable but unexceptional series. School Library Journal, Series Made Simple --Journal

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