This down-to-earth guide is filled with practical advice on everything from how to budget and be a smart shopper to student loans, mortgages and insurance. An essential book for equipping young people with the skills they need to manage their money now and in the future. Includes links to websites with more tips and advice. Chapters in this book include: - How do you manage your money? - So, what is money? - Thinking about your money - Setting up a budget - Earning money - Smart spending - Buying and selling online - Phones, games and apps - Returns and refunds (playing safe) - Starting to save - Banks and you - Work and pay - Student finance - Paying bills - Renting and mortgages - Borrowing money - Gambling - Investing - Insurance - Finding help and advice - Money words and terms