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Fabian often runs out of money before his monthly credit card bills are due. He does eventually pay the bills, but he also has to pay fees for late payment. What is the MOST financially responsible action Fabian could take?

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Financially literate individuals use financial knowledge to make better financial decisions. From everyday spending to long-term financial planning, effective money management means using money to further your personal goals - no matter what they are.

Much of the material in this guide comes from our Financial Basics course, which concentrates on some of the basic knowledge young adults need to know - especially when transitioning to college. If you don't have access to Financial Literacy 101, these topics will get you started on the path to smart spending. If you do have access, you can log in for expanded resources and to create a personalized plan.

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