"Money Tips Worksheet: Encouraging kids to learn about budgeting and saving with practical advice."

- BUDGETING DOs: Track your spending, set financial goals, prioritize needs over wants, review your budget monthly, allocate money for savings.
- BUDGETING DON'Ts: Overspend on non-essentials, ignore small expenses, skip budgeting altogether, forget to plan for emergencies, borrow money without a repayment plan.
- SAVING DOs: Start saving early, automate your savings, save a portion of every paycheck, build an emergency fund, avoid dipping into savings for non-emergencies.
- SAVING DON'Ts: Spend all your income, wait until you have “extra” money to save, keep savings in a low-interest account, use savings for impulse purchases, neglect to increase savings as income grows.