A Smart Girl's Guide: Money. Nancy Holyoke

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      Published by American Girl Publishing

      Copyright

      ©

      2006, 2014 American Girl

      All rights reserved. No part of this book may be used

      or reproduced in any manner whatsoever without written

      permission except in the case of brief quotations

      embodied in critical articles and reviews.

      Questions or comments? Call 1-800-845-0005,

      visit americangirl.com, or write to

      Customer Service, American Girl,

      8400 Fairway Place, Middleton, WI 53562-0497.

      All American Girl marks are trademarks of American Girl.

      Editorial Development: Sara Hunt, Carrie Anton, Peg Ross, Darcie Johnston

      Art Direction and Design: Jessica Meihack

      Production: Janell Wisecup, Jeannette Bailey, Judith Lary, Paula Moon, Alicia Curtis

      Consultants: Carol Malanowski; Chris Spencer; Glen Allen; and

      Janet Garkey, Center for Personal Finance,

      Credit Union National Association, Inc.

      This book is not intended to replace the advice of financial planners and

      tax advisors. It should be considered an additional resource only.

      Library of Congress Cataloging-in-Publication Data

      Holyoke, Nancy.

      A smart girl’s guide : money : how to make it, save it, and spend it

      / by Nancy Holyoke ; illustrated by Brigette Barrager.

      p.

      cm.

      —

      (A smart girl’s guide)

      Audience: Ages 10 and up.

      ISBN 9781609584405 (e-book)

      1. Finance, Personal—Juvenile literature.

      2. Money—Juvenile literature.

      3. Teenage girls—Finance, Personal—Juvenile literature.

      4. Money-making projects for children—Juvenile literature.

      I. Barrager, Brigette, illustrator.

      II. Title.

      HG179.H5946 2014

      332.02400835’2—dc23

      2013025896

      Dear Reader:

      When you were little, you didn’t have to think about

      money. Your parents took care of that. But now you

      have some money of your own, and you’re making

      more of your own decisions about what to do with it.

      If you’re like most girls, some of those decisions have

      been smart and some haven’t. You know that being

      “money smart” feels better.

      In fact, being money smart can feel great. How come?

      Money’s a tool. People use it to get the things that

      they want the most in life—freedom, opportunity,

      comfort, good health, safety, and pleasure. They also

      use it to avoid the things they want least—things like

      poverty, fear, stress, and hunger. Having money won’t

      make you happy, but knowing how to use it wisely

      can help you build a future that will.

      This book is packed with tips on how to make, save,

      and spend money. It includes lots of quizzes, advice

      from girls like you, and a list of over a hundred

      different moneymaking ideas. You’ll even find

      business cards and other printable items to use on

      the job at a special Smart Girl’s Guide: Money link

      at americangirl.com/play.

      Put it all together and you’ll be amazed at how much

      easier it is to get what you want from your money.

      You have big dreams about what you can do and

      accomplish in this world, and we hope this book

      does a thing or two to help you achieve them.

      Your friends at American Girl

      contents

       money! money?

       a girl and her money

       money moments

       money emotions

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