by Nancy Holyoke
illustrated by Brigette Barrager
Money
a smart girl
’
s guide
how to make it,
save it, and spend it
Published by American Girl Publishing
Copyright
©
2006, 2014 American Girl
All rights reserved. No part of this book may be used
or reproduced in any manner whatsoever without written
permission except in the case of brief quotations
embodied in critical articles and reviews.
Questions or comments? Call 1-800-845-0005,
visit americangirl.com, or write to
Customer Service, American Girl,
8400 Fairway Place, Middleton, WI 53562-0497.
All American Girl marks are trademarks of American Girl.
Editorial Development: Sara Hunt, Carrie Anton, Peg Ross, Darcie Johnston
Art Direction and Design: Jessica Meihack
Production: Janell Wisecup, Jeannette Bailey, Judith Lary, Paula Moon, Alicia Curtis
Consultants: Carol Malanowski; Chris Spencer; Glen Allen; and
Janet Garkey, Center for Personal Finance,
Credit Union National Association, Inc.
This book is not intended to replace the advice of financial planners and
tax advisors. It should be considered an additional resource only.
Library of Congress Cataloging-in-Publication Data
Holyoke, Nancy.
A smart girl’s guide : money : how to make it, save it, and spend it
/ by Nancy Holyoke ; illustrated by Brigette Barrager.
p.
cm.
—
(A smart girl’s guide)
Audience: Ages 10 and up.
ISBN 9781609584405 (e-book)
1. Finance, Personal—Juvenile literature.
2. Money—Juvenile literature.
3. Teenage girls—Finance, Personal—Juvenile literature.
4. Money-making projects for children—Juvenile literature.
I. Barrager, Brigette, illustrator.
II. Title.
HG179.H5946 2014
332.02400835’2—dc23
2013025896
Dear Reader:
When you were little, you didn’t have to think about
money. Your parents took care of that. But now you
have some money of your own, and you’re making
more of your own decisions about what to do with it.
If you’re like most girls, some of those decisions have
been smart and some haven’t. You know that being
“money smart” feels better.
In fact, being money smart can feel great. How come?
Money’s a tool. People use it to get the things that
they want the most in life—freedom, opportunity,
comfort, good health, safety, and pleasure. They also
use it to avoid the things they want least—things like
poverty, fear, stress, and hunger. Having money won’t
make you happy, but knowing how to use it wisely
can help you build a future that will.
This book is packed with tips on how to make, save,
and spend money. It includes lots of quizzes, advice
from girls like you, and a list of over a hundred
different moneymaking ideas. You’ll even find
business cards and other printable items to use on
the job at a special Smart Girl’s Guide: Money link
Put it all together and you’ll be amazed at how much
easier it is to get what you want from your money.
You have big dreams about what you can do and
accomplish in this world, and we hope this book
does a thing or two to help you achieve them.
Your friends at American Girl
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