Personal Money Management. Dollars and Sense

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1 Personal Money Management Dollars and Sense

2 2 Copyright Copyright Texas Education Agency, These Materials are copyrighted and trademarked as the property of the Texas Education Agency (TEA) and may not be reproduced without the express written permission of TEA, except under the following conditions: 1) Texas public school districts, charter schools, and Education Service Centers may reproduce and use copies of the Materials and Related Materials for the districts and schools educational use without obtaining permission from TEA. 2) Residents of the state of Texas may reproduce and use copies of the Materials and Related Materials for individual personal use only, without obtaining written permission of TEA. 3) Any portion reproduced must be reproduced in its entirety and remain unedited, unaltered and unchanged in any way. 4) No monetary charge can be made for the reproduced materials or any document containing them; however, a reasonable charge to cover only the cost of reproduction and distribution may be charged. Private entities or persons located in Texas that are not Texas public school districts, Texas Education Service Centers, or Texas charter schools or any entity, whether public or private, educational or non-educational, located outside the state of Texas MUST obtain written approval from TEA and will be required to enter into a license agreement that may involve the payment of a licensing fee or a royalty. For information contact: Office of Copyrights, Trademarks, License Agreements, and Royalties, Texas Education Agency, 1701 N. Congress Ave., Austin, TX ; phone ;

3 3 Economic Decisions to Provide Safe and Nutritious Foods Know the basics of selecting the best food products for your family * Understand the key nutrients in foods * Be a smart shopper * Follow your budget Eating Healthy on a Budget (click on link)

4 4 Tips for Maintaining a Food Your budget is determined by the number of members in the family, family income and personal preferences Budget Squeezed by Raising Food Prices? (click on link)

5 5 Economic Clothing Decisions Careful planning includes: Wardrobe Planning is the key! Having clothes for the right season, activities and places you need to go.

6 6 Economic Housing Decisions Types of housing can include apartments and houses Before deciding on a place to live, set up a budget for housing costs for: Utilities Insurance Taxes Incidentals

7 7 Economic Health Care Decisions Your lifestyle and the choices you make are vital for good health Staying healthy means taking care of yourself Get regular checkups Find qualified health care providers Get plenty of sleep, eat right, and exercise daily Maintain a healthy weight Avoid alcohol, tobacco, and drugs

8 8 Economic Recreational Families spend their free time participating in activities such as: Decisions Going on a vacation Movies Electronic devices Sporting events Music events Dining out

9 9 Economic Transportation Careful consideration must be included in determining your transportation needs Decisions Budget Comfort Safety of the vehicle Operation and maintenance fees Finance charges

10 10 Economic Rights and Responsibilities of Individuals as Consumers To be an informed consumer, know what community resources are available: People Places Organizations Government Agencies

11 11 Economic Rights and Responsibilities of Individuals as Consumers If a consumer is offered inferior products, if prices are exorbitant, if drugs are unsafe or worthless, if the consumer is unable to choose on an informed basis, then his dollar is wasted, his health and safety may be threatened, and national interest suffers. President John F. Kennedy

12 12 Economic Rights and Responsibilities of Individuals as Consumers Sample Consumer Complaint Letter Consumer Letter of Complaint (click on link)

13 13 Making Financial Decisions How people make financial decisions When it comes to making financial decisions, you want to be wise and through. The key to financial well-being is spending less than you earn. Habit Financial Decisions No action Impulse

14 14 How to Successfully Manage Your Money How to Organize Tasks and Responsibilities Determine your needs and wants Establish your priorities Use a systematic process. A decision-making process can help you make the best financial approach Become your own personal accountant Keep accurate and current records of money

15 15 Money Management Plan Income Weekly Monthly Yearly Once your plan is put into action, evaluate your budget periodically. Is your plan working? Are you able to attain your goals with your plan? Is this plan helping you control your spending? Allowance Wages Gifts Other Total Income $ $ $ Expenses Fixed: Varied: Total Expenses $ $ $ Balance $ $ $

16 16 How to Set Your Money Goals Biz Kids host shows you how to set your money goals and make them real The S.M.A.R.T. Approach (click on link)

17 17 What To Do With Your Money 20% 10% You can delete these coins. 70%

18 18 Teens Buying Power in 2012 Eight to 24-year-olds are ready to spend $211 Billion Dollars According to the 2012 Harris Poll YouthPulse study, today s teens have a huge purchasing power in the world of economics. 70% 60% 50% 40% 30% 20% 10% 0% Ages 8-12 Ages 13-17

19 19 Budgeting Tips It is never to early to plan for your future Keep it in a binder and write down your plan Be specific about the plan but keep it simple Be ready for the unexpected by being flexible. Remember to be disciplined!

20 20 Tips of How to Manage Your Money See and learn the financial wisdom on how to manage money wiser Tips of How to Manage Your Money (click on link)

21 21 Careers in Personal Care Services Employment in this area is anticipated to grow by 27 percent over the next decade. This growth will add more than 1.3 million job

22 22 These are the keys to Personal Money Management. Questions?

23 23 References and Resources Microsoft Clip Art: Used with permission from Microsoft Textbook: Campbell, S. (2010). Foundations of personal finance. (5th ed., pp , ). Tinley Park: The Goodheart-Willcox Publishing Company. Websites: Better Business Bureaus in Texas Better Business Bureaus (BBBs) are nonprofit organizations that encourage honest advertising and selling practices and are supported primarily by local businesses. Hands On Banking Want to take charge of your own finances and reach your goals? Just pick your age group and get started! How to Set Your Money Goals Biz Kids host shows you how to set your money goals and make them real. He uses S.M.A.R.T approach. If you are ready to be successful check out entertaining site for teens with lots of useful information at

24 24 References and Resources The National Endowment for Financial Education The National Endowment for Financial Education (NEFE) is the leading private nonprofit 501(C)(3) national foundation dedicated to inspiring empowered financial decision making for individuals and families through every stage of life. NEFE High School Financial Planning Program For over twenty-five years this award-winning, free, non-commercial financial education program has been provided to millions of students in thousands of schools and community organizations throughout the country. Recipe Finder Contains over 600 low cost, nutritious, and delicious recipes in both English and Spanish Saving Fitness: A Guide To Your Money and Your Financial Future This guide is to help you succeed in setting financial and retirement goals. Tips of How to Manage Your Money See and learn the financial wisdom of our elders become wiser on how to manage money wiser. Here are some great tips from Warren Buffet: American billionaire, investor, businessman, and philanthropist. Distributed by Tubemogul.

25 25 References and Resources University of Missouri Extension Squeezed by Raising Food Prices? Small changes in your shopping habits can mean saving money at the grocery store. USA.gov Consumer Guides and Protection USA.gov Sample of Consumer Complaint Letter United States Department of Agriculture With USDA s Cost of Raising a Child Calculator, you can estimate how much it will annually cost to raise a child. This may help you plan better for overall expenses including food, or to purchase adequate life insurance.

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