I dedicate this book to Lilly. I would like to let you know that I don't think you are a waste of air.

Preview audio:

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is for Account

Money is a very importat part of our daily lives. We can't keep all of our money in our house, there is way to much! We keep our money in something called a bank Account. When we want to spend it, just go to the bank, and take some of the money out!

is for Borrowing

Sometimes, we don't have all the money that we need to buy something we want. When this happens, we have to borrow money. When we borrow money, we take money from someone else, or the bank, and then give it back later.

is for Conserving Money

Sometimes, we have to save up for something, that we know is going to cost a lot of money. When we do this, we have to conserve money. This means, that maybe we don't by that jacket we wanted, and just use the one that we already have, in order to save money!

is for Dollars

Dollars are the type of currency the USA uses. Currency is a type of money. In Mexico, their currency is Pesos.

is for Expenses

Expenses are anything you spend money on. Weather they like it or not, everyone has expenses. Adults have to pay bills. Those are expenses. Childeren may have to buy their own toys. Those are expenses too!

is for Frugal

When you are frugal, you are always thinking about if you really need it or not. When you are frugal, you always think about if the price is worth what the object is. When you are frugal, you especially don't spend money that you don't need to.

is for Green

Green is the color of the US currency. Most other currencies have more than one different colors for their bills, but not ours! We have never changed the color of our bills because the US has always had a lot of green ink, and it makes it harder to produce fake money.

is for House

A house is a very good example of something you need to save up for. Houses are very expensive, or they cost a lot of money. When saving up for a house, you have to be very frugal, and carful about how you spend your money.

is for Invest

When you invest in something, this means you put money into something and expect to get more money back. Most of the time, people invest in things like thier education, their community.

is for Jobs

Jobs are something that most grown ups to to earn money. People to go college to get an education about one specific thing, and then get a job that they can use their education on. They then earn money for doing their job!

is for Karat

Have you every heard of 24 karat gold? Karats are a measure of the amount of worth a piece of gold, or diamond. When you buy 24 karat gold, you have to think, is it really worth

it? It cost's a lot of money,

and looks the same as

fake gold.

is for Lending Money

Lending is another word for borrowing. When your out with a friend, they might want something from one of the shops you go to, exept they don't have enough money. You might give them the money they need, and they will give it back to you later.

is for Money

Money is one of the main things our lives are built around. You cannot live without having money. There are many ways to get money, and once you have it, you must be careful about where you choose to put it. Before you buy something, always think, is it worth it?

is for Negative Numbers

Sometimes, when people don't think about if it is worth it, they can go into negative numbers. This means that you have spent more money that you have, and the bank must start buying things for you. The bad thing is, you have to pay the bank back, and the longer it takes to pay them back, the more the bank can charge you!

is for Overspending