Don't take on the world without this book. Learn the essential money skills before you: hand over your credit card, take out a student loan, sign up for a car loan, start a new job, buy one more thing online. Practical, no-nonsense guide to managing your money so that you waste less and have more. This book offers real-life skills you can use right away, not fake promises to make you rich or to find "easy money." "I learned more about managing my money than I learned in school or from my parents." Learn how to avoid the money minefields awaiting you at every turn. Don't waste another dime on fees, sneaky retailer pricing games, and online come-ons. Master the essential money skills - not theory - and apply them right away. Endorsed by the Jumpstart Coalition for Personal Financial Literacy, a non-profit coalition of public and private sponsors committed to furthering financial literacy for K-12 with chapters in 49 states.