Help students learn about financial literacy concepts! This engaging book explains that you need to make money to spend money. A good way for kids to earn money is by doing choirs or helping neighbors. Once they have money, a decision needs to be made...save it or spend it. Readers will learn about short-term saving goals, long-term saving goals, and setting a budget. They will also discover how to make good decisions and spend money responsibly. This nonfiction social studies book includes a table of contents, chapter and section headings, interesting sidebars with helpful information, bolded vocabulary, a glossary, and an index. To enhance the reading and learning experience, a Remember It! activity, Your Turn! activity, and Read and Respond questions are included in the back of the book. Teachers can integrate social studies content and language arts instruction with this engaging book that is aligned to state and national standards.