Local teenagers learned the importance of understanding financial management last week when Kim Kutzer, branch manager from NBT Bank of Manlius, offered a talk on credit scores, how to build good credit and how having good credit can save them money over time. The talk, which occurred July 21 at Manlius Library as part of the Manlius Library Summer Program, discussed issues from safe places to keep money to credit cards and student loans. The purpose was to help the teens develop strong financial habits and pay more attention to their money during their teenage years, college and future careers.