Being Money Smart

by Sydney Robertson

The BeMoneySmart program has taught me how to keep track of my money, realize the rewards in saving money, and show me that getting good grades is rewarding. Keeping a record of how much you spend and save keeps you more aware of your money. Keeping track of your money is a good habit because when you get older what you do with your money determines what kind of life you will have. Making good habits when you are young sets you up for a lifetime of good money management.

The BeMoneySmart program not only shows you how to manage you money but, it shows you the rewards of being money smart. In this program they earn prizes and rewards. In real life, when you manage your money wisely you also get rewards. In life the rewards for wisely spending, tracking, and saving money, are a secure and abundant life. You don’t have to be a millionaire to have a secure life style. This program shows me that even if I don’t have a lot of money I can still make wise choices with what I have.

One of the greatest things about the BeMoneySmart program is how it encourages students to get good grades. This is an excellent idea because it motivates students to make the most of each class. A good education is so valuable; it sets up your success for latter life. Hopefully students realize that with a good education you can make a lot more that one dollar for every “A” grade.

The BeMoneySmart program offers many tools and aids; the one I use most is the dollars for “A’s”. I like the motivation it gives me to work hard in my classes and to do my best. I believe that education is very important to our country’s future. Showing students that education has rewards is an important principal to learn at any age.

One way to help other kids learn about being money smart is to send letters to the youth that have accounts at the Utah Community Credit Union. When I get a letter specifically addressed to me I read it. I believe that more youth would become aware of the BeMoneySmart programs if they individually were receiving letters.

The Utah Community Credit Union does so much for its accountholders. I appreciate the help and concern that I receive. I am grateful for the many opportunities that are offered. I have learned a lot about being money smart.

Be Money Smart Essay

by Nathan Allen

Have you ever gotten paid and in a couple days that money is completely gone? I have, the “Be Money Smart” program is there for you. The “Be Money Smart” program is very efficient. Those who invest in this program will be greatly benefited in many ways. One of those ways will definitely solve the “where’s my money!” problem.

This plan provides away to keep track of your spending. I keep track of what I spend. It is crucial to being thrifty with your money. Utah Community Credit Union provides a pocket register. Once it is filled they give you back 15 dollars! Now that is money smart.

Just being a part of the “Be Money Smart” program has its benefits. Being enrolled enters you into a quarterly prize drawing where many cool things are given out. Good grades get you money too. More tips on how to be money smart also come every quarter.

Many adults use checks being unaware of what is in their checking account. With this program you receive a check card. If you have no money in your checking account your purchase will be declined. This teaches to always know where your money is and be aware of what you can and cannot spend.

The “Be Money Smart” program has definitely helped me on my way to being money smart. From tracking spending to knowing what money I do and don’t have. If you are not involved in this program get involved! It is just plain smart!

Being Money Smart

by Emily Schramm

I have developed many great habits by participating in the BeMoneySmart program, great habits such as depositing money in the credit union frequently and keeping track of my money. The main habit I would like to highlight is saving money in the credit union. I’ve always been a “saver,” but this program has encouraged me to store my money in the credit union. By putting my money in the credit union, I make interest off of it. This is better than the alternative choice, keeping it at home making no interest. The number one motivator for me to deposit my money in the credit union has been the punch card. Every time you make a deposit, you get a punch. If you get all thirty punches you get a ten dollar visa card. This punch card, along with other tools, has helped me establish useful money management habits that I will use throughout my life.

As mentioned above, one of the useful tools I use is the punch card. It reminds me to make deposits often. It also supports the principle that even a little deposit makes a difference. A punch may be received for depositing even a small amount of five cents. This little deposit helps toward the goal trying to be reached in the end. The other tools that have served useful in my life are the debit card and the register for the checking account. Putting my spending money on my debit card is a lot safer than carrying around cash. With the debit card, you can get a register to keep track of the balance on your card. Keeping a register is a good habit to be learned that will lead to success in life. As a bonus, when a register is completely filled out, you can receive a fifteen dollar visa card.

There are many easy and effective ways to spread the word about the BeMoneySmart program. The most effective way to spread the news about this program is to post it on the internet. Most of our friends and family members have Facebook now. When you set your status on Facebook, it appears on all your friends’ homepages. By posting a status update stating the great benefits you are experiencing, you inform all the readers and leave them wanting to learn more about the program. You can also converse with a friend about the program. Word spreads around quickly. Your friend might tell their parents, who will tell their friends who have children, and so on and so forth. BeMoneySmart is a fantastic youth money management program and will not go unheard.