Now that you have a steady income, what do you do with it? The authors suggest creating four “pots”. Put 30 percent toward everyday expenses, another 30 percent toward short­term savings

　　and the other 30 percent toward long­term savings. Consider giving the last 10 percent to charity.

　　How do you get the most out of each dollar spent? Don’t be afraid to shop at second­hand or thrift stores. Many times generic cosmetics have the exact same ingredients as the brand­name cosmetics; you are paying for the marketing and fancy packaging. Do your own nails. Read the details of your cellphone plan and know exactly what you are paying for. Bottle your own water instead of paying for it, and think about hosting a DVD night with your friends instead of going to the movies.

　　Savings accounts are an easy and safe way of making your money grow. For those who are more daring, perhaps investing in the stock market is the way to go. The potential payoff is greater, but so is the risk of losing your money.

　　There are alternatives to “retail therapy”， the pick­me­up that comes from spending money. Hold a clothing swap, exercise, discover the things that your library has for free or become a volunteer at an organization that does work that you care about.

　　The authors do a wonderful job at painlessly taking the reader through the world of money. There are colors and graphics throughout, so it is really easy to read. Boys should not be put off by the title, this book is equally recommended for you, too.

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