1. Making Money Makes $ense

2. W HAT WOULD YOU R ATHER HAVE ?

3. D OES M ONEY H AVE V ALUE ?

4. D ID M ONEY ALWAYS EXIST ?

6. O THER F ORMS OF M ONEY AdvantageDisadvantage Debit No need to carry large amounts of cash. Can only spend what you have. Service charges. Presents a security risk.

7. O THER FORMS OF M ONEY AdvantageDisadvantage Credit Good for emergencies when you don’t have enough money. Can be used for identification, phone or Internet orders and internationally. Can easily get into debt by spending more than you are able to pay back. Service fees. Presents a security risk.

8. M ONEY What does money mean to you? What do you value? What are needs and wants?

9. B EFORE Y OU B UY, ASK YOURSELF : Do I NEED it? Why do I want it? What else do I want? Is there an alternative to buying it?

10. W HERE DID ALL MY MONEY GO ?! What do you spend your money on in a normal day? (Lunch? Snacks? Shopping? Music?) What income did you receive? (Allowance? Pay cheque? Odd jobs? Babysitting? Gifts?) What are some ways you can think of to spend less? If you did that, how much money would you have available to save?

11. M ANAGE Y OUR M ONEY Budgets help you balance your spending and saving. Budgets help you spot where you may be over spending and where you can save more. If you have a plan to follow each month, you are more likely to reach your goals. What do you think happens to money that is invested wisely year after year after year?

12. S ETTING G OALS What is a goal? Setting goals What do you want to accomplish? When do you want to accomplish it? (Short term or long term?) How much money will it take?

13. W ANT TO LEARN MORE ? www.makeitcountonline.ca www.InvestInKnowingMore.ca Follow us @NBSecuritiesCom