Budgeting, Spending, and Saving

Budgeting, Spending, and Saving book cover — Contents Chapter 1 SPENDING MONEY page 4 Chapter 2 SETTING GOALS Page 12 Chapter 3 SAVING page 20 Chapter 4 CREATING A BUDGET Page 30 Top Ten Things to Know 37 Glossary 38 Learn More about Money 39 Index 40

Budgeting, Spending, and Saving — page 1 — Chapter 1 SPENDING MONEY Money makes our world work Adults earn money by doing jobs Kids may receive allowances Everyone buys products and services The people who make products or perform services get paid Money moves from person to person It can seem like money comes and goes too quickly Kids often get spending money from their parents How do adults earn money

Budgeting, Spending, and Saving — page 2 — Money is much easier to spend than to earn Many people develop bad money habits The good news is that smart money habits are easy to learn Kids who learn them become adults who make good money choices Poor money choices may mean you cannot see a movie with friends Adults face more serious problems with money They might not have enough money to pay bills Learning good money habits can prevent these problems Unpaid bills can start to pile up if adults have bad spending habits

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