People spend money on food, fashion, and fun. But how can you spend money wisely? How do you figure out what you want to buy and what you need to buy? Money is a key part of our world, and knowing how to use it is especially important. Read this book to learn how to save, to spend, and to build your own budget. "Decision time" sidebars help you analyze real-life scenarios and understand the choices people need to make when managing their money. Learn how to set and work toward short- and long-term financial goals, and explore the real costs of your purchasing decisions.