1. Ch. 19- Balancing Act

2. Priorities- things most important Maintaining balance – Take charge of time – How do you use your time? Learning: – Get more out of class time – Pay attention – Take notes – Review your notes Family & friends – Time management – Plan ahead, make choices Manage energy – Morning or afternoon person? – Improve healthy habits= more energy

3. Ch. 20- Managing Money Why? – Make money work for you – To create a balance between spending and saving Money and you – Keep track of what you receive- income – Keep track of your spending- expenses – Categorize expenses- flexible vs. fixed

4. Make most of your money…. – Create a budget- plan for spending and saving money Make it a reality Record income Write down what you plan to spend Review budget periodically

5. Use financial services – Checking accounts Opening an account Depositing money- endorse Using a checkbook – Checks – check register Using debit and smart cards Check financial statements – Savings accounts- interest – Credit- loans, sales credit or charge accounts Credit rating Income and money resources

6. Assignment: Check book activity