1. $8: What can you get for an Hour?

2. Anthony Thomas, Senior Advancement Representative, Messiah College Samantha Sheppard, Regional VP, Primerica Financial Services Janelle Curtis-Beaman, Admissions Recruiter, Messiah College

3. Common Banking Products Checking Account – Average interest rate: 0.27% – Average minimum balance: from $0-$1000 (higher balance, higher interest rate) Savings Account – Average interest rate: 0.30% – Average minimum balance: $100-up CD – Average term/interest rate: (3 mos. 0.5%)(6 mos. 0.84%)(1 yr 1.1%) Money Market Account – Average interest rate per balance: $2,500 (.37%) $10,000 (.46%) – Average minimum balance: $250-$50,000 – Average transactions per month: 3 electronic transactions

4. Sample MonthlyBudget based on $298 per month ($156 per two weeks) Eating out: $20 7% Phone: $50 17% Short term Savings(books): $29 10% Long term Savings(tuition, rings, sports equipment, etc): $29 10% Giving: $29 10% Clothes/Electronics/Hobbies: $21 7% Friends: $25 8% Travel: $25 8% Groceries: $50 16% Car/Insurance: $20 7%

5. Budget to Win Create a working budget of your own Meet monthly with one of the Presenters to discuss success and failure Live within your budget until the next program Present your experience at the next “$8” program and win $50

6. Online Resources http://www.accelservices.org/calculators/bud pct.html http://www.accelservices.org/calculators/bud pct.html http://www.mint.com/#budget http://www.daveramsey.com/fpu/home/

7. Scripture about Money WORK - Earn an honest living 2 Thessalonians 3:12 “In the name of the Lord Jesus Christ, we appeal to people- no, we command them: Settle down and get to work. Earn your own living.” BUDGETING – Plan your spending & Keep good records Proverbs 27:23-24 “Be sure you know the condition of your flocks, give careful attention to your herds; for riches do not endure forever…” Proverbs 21:5 “Good planning and hard work let to prosperity, but hasty shortcuts lead to poverty.” Proverbs 21:20 “The wise have wealth and luxury, but fools spend whatever they get.”

8. Scripture about Money INVESTING – Save for the future Proverbs 21:20 “The wise have wealth and luxury, but fools spend whatever they get.” Proverbs 13:11 “Wealth from get-rich-quick schemes quickly disappears; wealth from hard work grows.” TITHING – Return back to God Proverbs 3:9-10 “Honor the Lord with your wealth and with the best part of everything your land produces. Then he will fill your barns with grain.” CONTENTMENT – Enjoy what you have Ecclesiastes 6:9 “Enjoy what you have rather than desiring what you don’t have.” Hebrews 13:5 “Be content with what you have.”