WHAT EVERY PRETEEN, TEENAGER AND YOUNG ADULT NEEDS TO KNOW TO AVOID CREDIT CARD DEBT DO YOU KNOW HOW TO SUCCESSFULLY MANAGE YOUR CREDIT CARDS? This book provides 21 statements that are presented in a concise, easy to read format for anyone interested in improving his or her financial skills and future finances. The ideas are presented in a user friendly manner, for anyone to incorporate the information into almost any lifestyle. Preteens, teenagers and young adults will find a wealth of information for them to start thinking about. Here are 21 statements that may change the way you handle money the rest of your life. Read them through and see for yourself. This is a handy book to keep as a reference that will help to make your future financially secure. Deanna W. Schwartzman and Deanna M. Suckow are former teachers who have retired, each after more than a quarter-century in the classroom. Their experiences have been with regular and special education students. Each has been married for almost 50 years. Their current total of grandchildren stands at nine. It was with these grandchildren in mind that they began the research project which has culminated in this book. They were determined that their grandchildren have the knowledge of money management for a successful, well-informed financial future. With all these grandchildren and the present day economy, they joined together to write Teaching Children Money Matters (a resource guide for parents, grandparents, teachers and students ) and its companion book, What Every Preteen, Teenager and Young Adult Needs to Know to Avoid Credit Card Debt (21 statements that may change how the future generations handle money to secure their future finances.)