Being out on your own can be fun and exciting, but it also means taking on new financial responsibilities. The decisions you make now about how you manage your finances and handle money and credit can affect your ability to get more credit in the future, as well as the cost of that credit. It also can affect your ability to rent or buy a place to live, get auto or life insurance, or sometimes get a job. This supplement has tools to help you make smart financial decisions. It explains credit, credit reports and credit scores; offers tips on how to get and maintain credit; has information about how to avoid consumer fraud and identity theft; and navigates the ins and outs of buying a car. Everyone shops for products and services, and everyone spends money. But not everyone knows how to do it right. Spending money wisely usually takes skill, time, and experience. The FTC and Jump$tart want you to learn how to shop smart, manage your finances responsibly, and become a more confident consumer.
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