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Hey kids, teens, and young adults! Get yourself on the right foot of managing your money now and when you grow up.

It's a money thing


Making Money (Jr.)

There's different ways people can make money. People earn an income when they are hired by an employer to work at a job. Income is earned as a wage, a salary or a sales commission.

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Spending Money (Jr.)

You make many choices every day. You choose how to spend your time. You choose how to spend your energy. You also choose how to spend your money.

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Saving Money (Jr.)

Imagine this: you are out for a walk and you find a stack of shiny gold bars. Where do you put your treasure to keep it safe?

  •   Do you hide it in your room?
  •  Do you bury it in the ground?
  •   Do you carry it with you at all times?

You have to make a similar choice with your money. There are many places you can save your money to keep it safe.

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Borrowing Money (Jr.)

Why do people borrow money? Borrowing money comes at a cost. This extra cost is called interest. If borrowing money costs more, why do people still do it? Here are three reasons why:

  •   They don't want to wait
  •   They need to buy something REALLY big
  •   They have an emergency

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Common Money Beliefs

How did you decide where to open your first bank account? Where did you learn to budget or pay bills? If you have a money question now, what do you do? Who do you turn to?

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Credit Union Myths

Even though there are over 5,000 credit unions in the United States, many misconceptions about their structure and their services still exist.
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How to Save on Tuition

Successful scholarship applications take considerable time and effort. Although there’s
no shortcut to a quality application, there are steps you can take to make your efforts as
rewarding as possible. Tackling your scholarship search with strategy and efficiency can
translate into extra applications—and therefore, extra tuition dollars.
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Budgeting Basics

Budgets are like the New Year’s resolutions of personal finance. We all know we should have one and we all know it’s a fairly simple thing to follow—at least in theory. Like resolutions, we often map out personal budgets with the best of intentions, only to abandon them a couple of weeks later.
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Responding to Financial Emergencies

The COVID-19 pandemic is a sobering reminder that financial challenges come in all shapes
and sizes. Some obstacles—such as job loss or income reduction—are immediate and obvious.
Others—such as fear or uncertainty about the future—are more subtle, but they can still disrupt
our regular spending and saving patterns in a negative way.
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Good vs. Bad Spending

When you start looking for financial advice, experts will share their take on what’s “good” and what’s “bad.” In personal finance, there are some classifications that we can all agree on: Debt is bad. Emergency funds are good. Overdrawing your account is bad. Earning interest on your savings is good.

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