Value-based Financial Education

A Financial Literacy Book by SmartCo and Marshall Cavendish.

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Financial Literacy Book - Take Charge: be Money Smart in 7 Steps

Financial Literacy for Beginners

Take Charge: be Money Smart in 7 Steps is a financial literacy book for teenagers and young adults. This book is about MONEY. We need money for daily living and for big events in life. We need money to be prepared for unexpected situations and to retire comfortably.

Money is important - 1
Money is important - 2
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Money is important - 4
smart financial decisions
Why read this book?

The money that you have is not infinite. You need to make smart financial decisions to manage your money, or you will be left with none.

People often make mistakes with their money at some point in their life. We will look at some common money mistakes to help you avoid painful financial pitfalls.

Learn Financial Literacy in a fun way

We make financial literacy fun and interesting with more than 170 pages of lively illustrations conveying relatable real-life experiences. Be engaged and inspired!

lively illustrations
Be Money Smart in 7 Steps

Be Money Smart in 7 Steps

We believe money is a means, not an end in itself. Money is not, and should not be, an end goal in life; it is just a means to get you to your goals. The promise of Take Charge: Be Money Smart in 7 Steps is this: you will learn to improve your financial well-being and develop your own life goals to long-lasting happiness. We will guide you step by step.

Take Charge of your Education and Career Pathways
Take Charge of Your Education and Career Pathways

With so many different jobs in the global job market, it is possible to find one that interests you and pays well enough to cover your needs and wants for a comfortable lifestyle. But understand that most well-paying jobs require years of training and skills development. How do you plan to achieve your career goals?

Take Charge of your Education and Career Pathways
Take Charge of Your Income

The amount of money you make during your lifetime is dependent on your life choices. Do you want to make more money? I do! We all want to earn more money, but not everyone has the know-how or motivation to act.

Take Charge of your Education and Career Pathways
Take Charge of Your Expenses

How do you decide if something is a need or a want? It depends on your perspective and circumstances. Food is a need, but the expensive food served at a fancy restaurant is a want. A computer is a need if you use it for learning or work. The same computer becomes a want if you only use it to watch movies on Netflix.

Take Charge of your Education and Career Pathways
Take Charge of Your Debts

When you buy a computer with cash for $2,000, the purchase value is $2,000. However, if you take a loan to buy the computer, the purchase value is $2,000 plus interest. The same computer costs more when you take a loan!

Take Charge of your Education and Career Pathways
Take Charge of Your Investments

Investing without adequate research is akin to shooting a target in the dark. You need to do your homework to increase the chances of choosing the right investment to grow your money. The more you know, the better the decisions you can make.

Take Charge of your Education and Career Pathways
Take Charge of Your Future

Your financial needs change at different points in your life. The responsibilities and monthly expenses of a fresh graduate are different from someone close to retirement. You can predict your financial needs at various life stages to define your financial goals and priorities.

Take Charge of your Education and Career Pathways
Take Charge of Your Happiness

In today’s society, happiness and financial well-being are interconnected. Understanding the relationship between money and happiness can help you make informed decisions and take charge of your happiness.

About the Authors
Dr Koh N.K

Dr Koh N.K

Dr Koh N.K. is the founder of FinTech Academy which spearheads talent development programmes and certifications for fintech in Singapore, and Advisor to the Institute of Blockchain, Singapore, which offers certification courses in blockchain. She is also co-author of Singapore: The Fintech Nation (2020).

Chris Teo
Chris Teo

Chris Teo is the founder of SmartCo, an education company that imparts values to future-proof one’s financial well-being through fun and engaging content. He has conceptualised various educational tech products throughout his career, advocating technology and gamification in learning.

share with our loved ones

Managing our finances well will mean we will have enough to share! As money is only a means, we amass it to be able to share with our loved ones and those who are less fortunate.

It is a joy to be able to afford a comfortable lifestyle for our aged parents, or to have a nice meal with our friends to celebrate a birthday.

Come, we will journey with you!

Marshall Cavendish

Marshall Cavendish International is a leading general interest trade publisher in Asia, with a history spanning more than five decades.

SmartCo

SmartCo is an education company that imparts values to future-proof one's financial well being through fun and engaging content.


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