When you get your first paycheck, the impulse is to spend it right away. After all, there's the new smartphone and video game system you want. But if you choose to spend quickly, you'll find your money disappears—fast! How do you avoid this common mistake? Smart money management and budgeting! Be prepared for your first paycheck. Plan a budget. Save. BE SMART ABOUT MONEY will show you the basics to managing your money, provide smart ways to save and spend, and how to create your personal budget.