1. It Will Be Your Money Someday!

2. It will be your money someday! Credit or Debit? Needs v. Wants Free stuff Carpe diem, Semper eadem, Mo money, mo problems $100 $200 $300 $400 $500

3. $100 When you swipe this card with a VISA logo the money comes directly out of your checking account. Home

4. $100 What is a debit card?

5. $200 Using one of these is just like having a short-term loan. Home

6. $200 What is a credit card? Credit Cards are no different than a loan. If you are using credit cards and not paying your balance each month but are avoiding student loans that is not a good strategy.

7. $300 When you don’t pay your credit card balance in full each month you will accrue these. Home

8. $300 What are finance charges? Finance charges are based on your interest rate and will accrue daily after your initial grace period.

9. $400 When you swipe your debit card a few times over the weekend but don’t actually have any money you can accumulate a lot of these. Home

10. $400 What are overdraft fees? Most banks can prevent these charges by declining your card or you can tie your checking account to your savings account if you have one.

11. $500 When you get a credit card the lender uses APR ÷ 365 to calculate this. Home

12. $500 What is your daily periodic rate? Yes, everyday interest accrues on your credit card if you don’t pay your balance. This is known as compounding interest.

13. $100 The new iPhone 5. Home

14. $100 What is a want?

15. $200 Advertisers spent this much money to tell you what you “needed” in 2010. Home

16. $200 What is $94,000,000,000? One of the largest influencers on how we determine what we need comes from advertising and media.

17. $300 Every semester you’ll need these and they are not getting any cheaper. Home

18. $300 What are textbooks? Obvious, yes, but you’d be surprised at how easy it is not to plan for things we know are coming.

19. $400 True or False If something is a “want” that means you cannot have it. Home

20. $400 What is false? You can have it but you need to plan for it and it needs to be purchased on your terms…no buyer’s remorse or retail therapy.

21. $500 This song catapulted the album Paper Trail to double platinum with it’s self-help, money management lyrics. Home

22. $500 What is Live your Life? “Now everybody watchin’ what I do come walk in my shoes and see they way I’m living if you really want to. I got my mind on my money and I’m not goin’ nowhere. So keep on gettin’ yo paper and keep on climbin”

23. $100 Humans saw the first one of these in 1893 and it lasted for 34 seconds. Home

24. $100 What is a motion picture? You can see them for free most weekends. Thankfully they are much better today. www.unc.edu/cuab

25. $200 Most Americans spend on average $41 per month for this? Home

26. $200 What are gym memberships? You already have it all basketball courts, weight rooms, swimming pools, badminton, inner tube water polo…. www.campusrec.unc.edu

27. $300 Hopefully you won’t need one but if you do they are free. Home

28. $300 What is a lawyer? Student Legal Services is located in the Union and they can advise you on most legal issues. Google: UNC Student Legal Services

29. $400 Call this service we you need to get from Davis to Townhouse safely late at night. Home

30. $400 What is SafeWalk? www.safewalk.unc.edu

31. $500 When you are feeling a little stressed or overwhelmed these folks can help. Home

32. $500 What is Counseling & Wellness Services? Individual and group sessions available. www.campushealth.unc.edu/cws

33. $100 It’s as simple as writing down what you spend your money on and where your money comes from. Home

34. $100 What is a spending plan or budget?

35. $200 Creating a budget helps you see these more clearly. Home

36. $200 What are your goals?

37. $300 True or False If you don’t earn any money you don’t need a budget? Home

38. $300 What is False? Developing good habits are important so even if you don’t have income you should still get in the habit of budgeting.

39. $400 Vanilla, half-caf, grande Americano and bottled H20. Home

40. $400 What are spending leaks? These items can destroy your budget. If you must have coffee get drip and invest in a good water bottle.

41. $500 Two online campus resources that can help you with a budget. Home

42. $500 What are….. www.studentaid.unc.edu www.cashcourse.org/unc

43. $100 I should check this three times a year and it is just as important as any book report. Home

44. $100 What is your credit report? There are three credit bureaus and you should check one every 4 months to monitor your credit. www.annualcreditreport.com

45. $200 True or False Getting a department store credit card that saves me 20% on my purchase is good for my credit score. Home

46. $200 What is False? These types of cards are usually bad for your credit score if you don’t pay them off immediately.

47. $300 This was the original capital of North Carolina. Home

48. $300 What is New Bern? Everyone just needs to know that.

49. $400 It is never too early to start one of these. Home

50. $400 What is a… Savings Account CD Money Market Roth IRA

51. $500 You would have this much money on your 50 th b-day if you began saving $200/month at 8% on your 20 th b-day. Home

52. $500 What is $300,000?

53. Resources CashCourse http://www.cashcourse.org/unc Office of Scholarship and Student Aid http://studentaid.unc.edu Financial Management for College Students: The UNC-Chapel Hill Student’s Guide to Wise Financial Management https://studentaid.unc.edu/referencedocs/financial_literacy.pdf