You may pay off a purchase on a credit card or do something more complex, like take out a small business loan. That’s why it’s important to know how to build and keep an eye on your credit, make informed decisions about borrowing money, and do your best to pay back what you owe on time.

1. Explore real-life expenses

2. Learn the ins and outs of credit cards

3. Investigate loans

4. Find out how to establish good credit

5. Make your commitment to financial responsibility

When you’ve earned this badge, you will know how to pay attention to your credit and plan for a big financial goal.