It is easy to spend money when you have a credit card or a loan. But it is also easy to spend or borrow more than you can afford. How can you use credit responsibly? How can you avoid going into debt? Read this book to understand how credit works. "Decision time" sidebars help you analyze real-life scenarios and evaluate the choices people have to make when they need money. Learn about credit cards, loans, interest, and how to make good decisions about borrowing money.