Contents:Controlling your spending. Developing thrifty habits ; Balancing wants and needs ; Keeping financial records ; Common financial mistakes -- Banking basics. Choosing a bank ; Checking accounts and check registers ; Monthly bank statements ; Saving accounts -- Buy now, pay later. Dangers of debt ; Using credit cards ; Borrowing money ; Installment purchases -- Improving your budgeting skills. Your goal : a balance budget ; Keeping a personal expense record ; Typical budget adjustments ; Handling unexpected expenses -- Word list.