The other day I found this book at the library, The Teen Girl’s Gotta-Have-It Guide to Money which has ideas about ways to make, save and spend money. It has ideas of ways to make money besides having a full time job such as babysitting, dog walking, cleaning houses, etc.
And when you are ready to apply and interview for a job it gives you tips on things to do and not do to ace an interview.

When it comes to saving the author explains The Rule of Four way of spending. To think of the money you have as a grid divided into four squares. Spending, Saving (Short term), Saving (Long term) and Charity. Their suggestion is to allot 30% of your money to spending, 30% to each of the Saving squares and 10% to Charity.

The book shows you how to make a list of your short term and long term goals and how to save money towards them.

It also explains compound interest and the different kinds of savings accounts.

It is a good book with basic ideas on saving, spending and giving to help a teen gain the knowledge of how to earn and spend money. It is only 95 pages so it is a quick read and a great reference. In the back there is a list of websites to check out.

One of the personal finance authors I follow is <a href=http://www.finishrich.com>David Bach</a>. He has a new book, Debt Free for Life that just came out and he is offering a free <a href=http:// http://www.walletpop.com/david-bach>download</a> of it until midnight tonight.

A couple of his other books are Smart Women Finish Rich and The Automatic Millionaire. I have read all of his other books and would recommend all of them. They are easy to read and understand.

Debt Free for Life includes 10 steps to get out of debt and stay out of debt.

He calls it the Finish Rich Plan to Financial Freedom.

So I hope you get a chance to get the free download, otherwise checkout your library or go purchase it.

I am sure it will be worth the money.

Nancy Kvamme