When it’s time to leave home and start paying for real life expenses on your own, you’ve got two choices: paper or plastic. This guide covers everything you need to know to open your first checking account, apply for your first credit cards, and handle both so that there’s still some money left in your wallet at the end of the month.

The Real U Guide to Bank Accounts and Credit Cards starts with the basics–credit cards, debit cards, monthly statements, interest rates–and spells out all the options in an easy-to-understand style that is the trademark of award-winning journalist Ilyce Glink. From there, Glink delves into the finer points of Money Management 101, including such topics as:

· How to make the most of personal finance software

· How to pay your bills online

· Credit unions: Are they better than banks?

· How to bounce back from bad checks

· Six steps to a great credit rating

· How to lower your credit card interest rates

Filled with 4-color photographs, magazine-style layouts, and a quiz which asks: “Can You Be Trusted With a Checkbook?” The answer will be “yes” by the time you’ve finished reading this guide.