A easy-to-understand guide to mastering your money and getting a smart start on your financial life

If you're a college student or recent grad, chances are you're drowning in debt. That's because, like most Americans, you probably spend more than you make. In fact, the average college student graduates owing almost $30,000 to student-loan agencies and credit-card companies. But it's never too late to start making smart money choices. And with the easy-to-follow advice found in Don't Spend Your Raise, those choices don't have to be painful ones.

Written by one of America's leading advocates for personal finance education, this book offers dozens of practical, painless "money rules" guaranteed to help you make fewer money mistakes and instead make smarter decisions. You can start leading a more prosperous life with these simple, but powerful rules:

• Never have more than two credit cards
• Balance your checkbook
• Develop a credit history during college
• Never buy a new car
• Check your future spouse's credit report
• And many more

Take charge of your financial future today! And remember: money doesn't buy happiness, but money troubles will make you miserable.