A book aimed at everyone who wants to be smarter with their cash. Told in Duncan's straightforward style, he explains the forces and choices that influence how much we have in our pockets. Today's turmoil in the financial markets illustrates how important it is to be in control of your money. This book addresses the core fundamentals of financial literacy, telling readers how banks work and why city traders earn such enormous bonuses. It plots paths out of debt and builds financial confidence so readers feel in charge of their finances. Duncan knows the true value of money: now worth 310 million, he was born into extreme post-war poverty. Taking each area of our financial lives in turn - earning, spending, borrowing, investing, saving, budgeting and the wider economy - he helps us understand where we are in our own financial cycle and how to achieve financial security. Giving simple examples of how money works and how it can work harder for you, 'How to be Smart with Money' is an indispensable guide to understanding the stuff that makes the world go round.