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What you’ll learn

Managing your money wisely

Budgeting

Knowing the difference

Debit vs credit

Smart choices, long-term gains

Spending and saving

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Would you rather have...

$10 million now?

$20 million years from now?

Talk about your answer with a peer.

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Budgeting

Creating a budget is key to having a healthy financial lifestyle. It helps you to:

Plan your spending

Save for the things you want

Afford the things you need

Avoid getting into debt

Build confidence with money

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Total Income
Allowance	$30
Part-time job	$20
Total	$55

Budgeting

Take a look at the sample tables below. How much is left over, and where could you make changes to stay within budget?

Total Expenses
School Supplies	$15
Transportation	$15
Snacks	$25
Total	$55

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Debit vs. credit

How are these two different?

Uses your own money from your bank account

Uses the bank’s money, which you have to pay back later

Debit

Credit

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Debit vs. credit

How are these two different?

	Advantages	Disadvantages
Debit	Avoids interest or fees when used responsibly	Requires money in your account
	Prevents you going into debt	Offers limited protection against fraud
Credit	Enables you to buy what you need, when you need it	Can lead to debt if not paid off on time
	Allows payment in installments	May have high interest rates

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Quick Check

What would you do if someone gave you $1,000 today?

Would your answer change if you had to make that money last a whole week?

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Spending and Saving

Saving a little each month helps you handle the unexpected, like a surprise trip to the doctor or a last-minute move.

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Wondering how much to save?

The 50-30-20 rule is a good place to start:�50% for needs, 30% for wants, and 20% for savings.

Spending and Saving

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Money Management Tips

Write down everything you spend, even small purchases

Set aside even small amounts from allowance, gifts, or part-time jobs.

Make a weekly or monthly plan for your money, and stick to it.

Ask, “Do I really need this? Can I afford it?”

Track your spending

Save a little, often

Create a budget

Think before you spend

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1-week spending tracker challenge

Track your daily spending for 7 days

Create a chart to show your spending by category

Then answer:

Where did most of your money go?
What will you change next week?
What surprised you?

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