Smart Money Moves for Young Earners
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Smart Money Moves for Young Earners
Financial Literacy for Year 7 Students Making Wise Money Decisions Building Your Financial Future
What is Money Management?
Money management means making smart choices with your money It involves five key areas: earning, spending, saving, investing, and donating Good money habits start early and last a lifetime Every money decision affects your future
Earning: Getting Money for Work
Money you receive for doing work or providing a service Examples: allowance for chores, babysitting, selling crafts The more valuable your work, the more you can earn Always do quality work to build a good reputation
Spending: Using Your Money Wisely
Using money to buy goods or services Examples: toys, food, movie tickets, clothes Think before you spend - do you need it or just want it? Compare prices and look for good deals
Saving: Money for Your Future
Keeping money to use later for something important Examples: saving for a bike, emergency fund, future purchases Start with small amounts - every dollar counts Use a savings account or piggy bank to keep money safe
Investing: Growing Your Money
Using money now in hopes it will grow and become more later Examples: starting a lemonade stand, buying supplies to make and sell crafts Investing always involves some risk Start small and learn as you go
Donating: Helping Others with Money
Giving money or items to help people, animals, or causes you care about Examples: animal shelter, food bank, charity fundraiser Even small donations can make a big difference Donating feels good and helps build a better community
The SMART Decision Framework
S - Short-term or long-term? M - Money available A - Alternatives R - Responsibility (need vs want) T - Think about others
Money Choice Challenge
Scenario 1: Mia has $15. Candy for $5 now or save for a $20 game? Scenario 2: Noah earned $10 walking dogs. Wants a toy but also wants to donate $2. Scenario 3: Ava wants to spend $8 on seeds and pots to grow flowers to sell. Scenario 4: Luca has $25 and sees a sale ending today.
Your Financial Future Starts Now
Every money decision is practice for your adult life Start building good habits with small amounts Use the SMART framework for all money choices Remember: earn responsibly, spend wisely, save regularly, invest carefully, and give generously