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Many kids have asked their parents for an advance on their allowance; in this book they learn how this is similar to using credit. Further, the text defines how and why adults use credit in the forms of loans, mortgages, or credit cards to meet different financial goals. The responsible use of credit is also explained, including the importance of making timely payments and the consequences of misusing credit. Readers will learn that understanding how credit works is part of learning financial responsibility.

How to Use Credit