The document provides tips on being smart with money, including saving, spending only what you have, and keeping accurate records. It discusses the advantages and disadvantages of being smart with money and presents a scenario about choosing which pair of jeans to buy with $50. The document also lists websites that teach about investing, business camps, banking history, smart shopping, and the value of the dollar over time.

1. Using Money Wisely Miss McCall Picture below from: http://www.topnews.in/files/middle-school-students301.jpg

2. Things you can do to be “smart” with your money Save Spend only what you have Keep accurate records (remember Miss McCall is still learning this process as well as you!) Always budget for more than less

3. Advantages and Disadvantages of being “smart” with your money Advantages Disadvantages

4. You have $50.00. You are heading to JCPenny to shop for jeans. The first pair you find is for $46.50 The second pair you find is for $25.00 The third pair you find is for $60.00 Which option do you choose and why? Picture from: http://www.sagradoquilmes.edu.ar/schoolvirtualtour/Jeans%5B1%5D.gif The Jean Question

5. Advantages and Disadvantages to your option Advantages Disadvantages

6. To Save or Not to Save List at least two reasons why it is important to save List any disadvantages you see to saving

7. Business Connections This website allows students your age to connect and learn about the business world! You can learn how to invest in stocks! You are able to gain information on Business Camps! http://www.youngbiz.com/

8. Smart Money Quiz Show Tests your basic knowledge of bank and credit. This is a good game to help you learn how to STAY out of debt! http://www.practicalmoneyskills.com/games/trainingcamp/ (Click on the games link to access SMQS)

9. Banking History The following link is from FDIC. http://www.fdic.gov/about/learn/learning/when/index.html When you click on this link, you will be led through the history of the United States banking system.

10. Other Cool Websites to Check Out The following website teaches you how to manage your money from a young age. It is very helpful to elementary students (maybe you can teach your younger siblings as well as learn something yourself! http://member.kids.growingmembers.com/ The following website teaches youth to be smart shoppers (remember don’t always go and blow your money on just anything)! http://pbskids.org/dontbuyit/ The following website helps students understand how much the dollar has been worth through the years. http://data.bls.gov/cgi-bin/cpicalc.pl

11. CPI, . (n.d.). Inflation calculator. Retrieved from http://data.bls.gov/cgi-bin/cpicalc.pl CUVillage.com, . (2007). The Early bird savings club. Retrieved from http://member.kids.growingmembers.com/ FDIC, . (2006, May 02). Fdic: learning bank. Retrieved from http://www.fdic.gov/about/learn/learning/when/index.html KCTS Television, . (2004). Don't buy it: get media smart. Retrieved from http://pbskids.org/dontbuyit/ Practical Money Skills for Life, . (2010). Financial literacy for everyone. Retrieved from http://www.practicalmoneyskills.com/games/trainingcamp Young Biz U.S.A., . (n.d.). Youngbiz.com. Retrieved from http://www.youngbiz.com Bibliography

12. Notes to remember… I created this with the idea my students would be able to use this as a note taking strategy (hence the advantages and disadvantages).