1. Let’s Talk About Your Money

2. LifeSmarts is a program of the National Consumers League

5. Independence is more than not living with your parents. 5

6. Establishing your own home takes planning, time and savings. 6

8. Shop smart when purchasing online. 8

9. Understand and beware of online fraud. 9

10. Check your credit report on a regular basis. 10

12. Cash flow is a picture of your spending—where does money really go? 12

13. Curb undisciplined spending. 13

15. Record spending as you go. 15

16. Check your bank balance frequently. 16

18. Control risk by planning. 18

19. Avoid risk. 19

20. 20 Reduce risk.

21. Transfer risk. 21

22. Assume risk. 22

24. Create a strategy. 24

25. Plan for the inevitable. 25

27. A budget helps you reach financial and personal goals. 27

28. Estimating expenses helps control spending. 28

30. Pay for needs first. 30

31. Defer impulse spending. 31

32. Budget for “wants.” 32

34. It is always more fun in the moment to spend instead of save. 34

35. Saving for the future takes discipline. 35

36. Money is linked to emotion. 36

38. Advertising works. 38

39. Few purchases give long-lasting value or satisfaction. 39

40. Find pleasure in things that don’t require spending money. 40

42. LifeSmarts An educational program teaching teens and tweens important real-life knowledge A competition – students compete online and in-person A teaching toolbox. Check out our resourcesCheck out our resources An opportunity for students to gain leadership skills, and fulfill community service requirements community service requirements A chance to develop strong partnerships with national groups such as FBLA and FCCLA Learn it. Live it. Visit LifeSmarts at www.LifeSmarts.org LifeSmarts is: