FINANCIAL WELLBEING A Student's Guide to Financial Wisdom
Acknowledgement of country It was and always will be Aboriginal land. This Financial Wellbeing Booklet acknowledges the Kaurna, Boandik and Barngarla First Nations Peoples as the traditional custodians of the unceded lands that are now home to the Univeristy of South Australia’s campuses in Adelaide, Mount Gambier and Whyalla. This financial literacy booklet respectfully acknowledges their Ancestors and Elders, past, present and emerging. This financial literacy booklet also acknowledges the Traditional Custodians and their Ancestors of the lands and waters across Australia.
This book belongs to
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123 Financial Wellbeing
4
Budget
11
Spending & Saving
27
Benefits of financial wellness
5
What is a budget?
11
28
12
6
Activity 4: Road map
Activity 16: Shortterm savings
Activity 1: colouring in
Savvy shoppers
29
13
9
Activity 17: Spender vs saver quiz
30
Activity 2: Your feeling about money
Activity 5: Find a word Activity 6: Budgeting plan
14
Activity 18: Saving goals colouring in
39
Activity 3: What makes you financially you
10
Activity 7: Needs vs wants case studies
15
Activity 19: Rocket colouring in
43
Activity 8: Needs vs wants
16
Activity 20: Mantra colouring in
44
Likes vs Loves
18
45
Activity 9: Matching game
19
Activity 21: Fiveminute shower challenge
20
Activity 22: Crossword puzzle
46
Activity 10 and 11: Financial wellbeing newspaper
Activity 23: Living expenses
48
Activity 12: Colouring in
22
Activity 24: Food habits
49
Activity 13: Three Emergencies
24
Get utilities smart
50 55
Activity 14: Financial goal
25
Activity 25: Fill in the sentences
56
Activity 15: Money confess
26
Activity 26: Savings tracker Activity 27: Money saved
57
Fun ways to save
58
2•USASA
456 Debt
60
Activity 28: Wordsearch
61
Activity 29: Beyond credit card
62
Activity 30: Buy now pay later
63
Scam
64
Summary
66
Activity 31: Being a detective
65
Activity 32: The money adventure game
67
Activity 33: Draw your own portrait
72
Activity 34: Imagining your future selfs
73
More Resources
74
Your Certificate
75
It is highly recommended that you do the activities in this booklet in order
Chapter
1
i c n n i al F a Wellbeing Definition: Financial wellbeing relates to everyone. You do not have to be “wealthy” to have a sense of financial wellness. Financial wellbeing is more about having a savings or emergency plan that you can access whenever you need to, which gives you financial freedom to have the choices that allow you to enjoy life. This comfort around your finances brings you the confidence and safety that can positively impact your mental health.
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w
Benefits of financial wellness to mental health The benefits of good financial wellness include high concentration on your studies, more engagement at work, increased productivity, academic success, a good diet, high-quality sleep, more social activities, a healthy lifestyle, and more enjoyment of life. There is a clear link between financial wellbeing and mental health. If you are financially sufficient and resilient, you tend to have more confidence to achieve personal efficacy. Financial wellness can also reduce your level of anxiety so that you are more likely to make positive decisions towards your future.
Benefits of good mental health to personal finances Good mental health can make earning, spending, and managing money easier. The effectiveness of your money is determined by the boundaries of your mindset!.
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Activity
1
Colouring in
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IS PAYDAY A GOOD DAY OR BAD DAY? Advice Some students believe that their payday is a good day: “I go shopping a lot to treat myself at my pay day”. While others don’t: “As soon as I get paid, I start to buy things I don’t necessarily need. This makes me feel guilty because I still have an outstanding bill overdue.” Your feeling towards a Pay Day depends on how well you understand your finances and how you manage your finances.
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Activity
How do you feel about money?
2
Close your eyes for 15 seconds. Now, how do you feel about money? Write down the first three words that popped into your mind.
Comment
The way you feel about your money now affects your financial habits and eventually shapes your financial future.
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Activity
3
What makes you financially you? Write down three phrases that best describe yourself financially.
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Chapter
t e d u G B What is a budget? It is a road map for your money to follow.
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2
Activity
4
Tips: Some of the road maps are designed for you, including a start point (road arrow), a bank, a shop, and a destination. Please connect these icons together, or you may want to draw your own icons along the way!
Comment
With your map, you can easily find your way. Similarly, with a budget, you can easily keep track of your finances, pay your bills on time, and see your financial goals.
LIVING WITHIN YOUR MEANS
START
12•USASA
Activity
5
Find a word M A
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Budgeting
Transport
Grocery
Parents
Surplus
Gas
Clothing
Fund
Deficit
Mobile
Insurance
Tuition
Rent
Internet
Vehicle
Dream
Housing
Cooking
Emergency
Cost of living
Utility
Takeaway
Health
Electricity
Energy
Food
Dependant
N O E D F Y
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Activity
6
How to create a budgeting plan First, determine how much income you take home per week/month. Second, categorise your expenses. Various budgeting methods group your cost of living. For instance, you can organise your expenses by percentage, fixed, variable and flexible costs, your needs and wants, etc. Third, implement your chosen method for a month or two. Fourth, review your current spending behaviour and estimate next month’s spending.
Comment Weather forecast helps you prepare for how to dress and plan for activities. Likewise, a budgeting plan is your finance forecast, which indicates how much you allow yourself to spend on which aspect over a particular period of time. Spending less than you make or living within your means is the most essential money principle you need to know, which, by all means, gives you financial flexibility and freedom and eventually brings you financial wellbeing. 14•USASA
Activity
How to categorise the spending into Needs or Wants
7
A need is something you must have to survive.
Needs
A need is an essential, a basic of life. E.g. food, water, shelter, electricity, and clothing.
Wants
Discretionary spending: something you desire or would like to have but don’t need. Wants are always items that are nice to have or make us happy -e.g., a tablet, a trip to the beach, new earrings, or an online subscription.
Please fill in the blanks with the word "need" or "want":
Needs vs Wants Case study 1 You just got a new job. The office isn’t within cycling distance, and public transport does not go in that direction. A car is
, but the type of car you
buy can veer into the
lane.
Needs vs Wants Case Study 2 You
jeans, sneakers, and t-shirts, but brand-
name clothing is a
. USASA•15
Activity
8
Needs vs Wants Circle “needs” or “wants” underneath each picture based on your own needs and wants. Example:
Needs Needs
or
or
Wants
Wants
Needs Needs
or
Wants
Needs 16•USASA
or
Wants
or
Wants
Needs
or
Needs
Wants
Needs
or
or
Wants
Needs
or
Wants
or
Wants
Wants
Needs
Needs
or
or
Wants
Wants
Needs
Needs
or
Wants
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Likes
Things or activities that you enjoy and get pleasure from. For instance, you enjoy takeout. You may want to substitute cooking for takeaway when you realise that cooking at home is three times cheaper than taking out.
Loves
You would have a strong feeling of liking a thing or an activity and would like to contribute your money, time, and energy to it in the long run. For instance, your love of data science can drive you to study a postgraduate degree and, therefore, become a data analyst.
Comment
If you spend more on needs and loves, you focus more on your life. You are living less of a life when you spend more on your wants and likes. At the end of the day, you are more than welcome to give yourself a treat. It could be a warm beverage in winter or an ice cream in summer. It is also important to find a balance between your own needs and wants.
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Activity
Matching the value of stuff
9
Draw a line to match the value of each item.
$100
$2K
$1.50
$30K
$600K
$5.50
$600 USASA•19
FINANCIAL
WELLBEING VOL 1. - NO.23
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3 THINGS YOU DID WELL FOR YOUR FINANCES
ACTIVITY 10 Write down three things that you did well for your finances.
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NEWS ADELAIDE, SOUTH AUSTRALIA
GOOD 3 THINGS YOU WOULD LIKE TO IMPROVE NEWS FOR YOUR FINANCES
ACTIVITY 11 Write down three things that you would like to improve for your finances.
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Activity
12
Money Candle Colouring In Split your finances into five candles, write down the amount on the line below each candle and colour the candles in.
Example:
My daily expense $50
22•USASA
My house and utility bills
My tuition fee/ debt savings
My emergency savings
My treat/dream savings
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Activity
13
Name the top 3 emergencies you could face and the minimum savings your need to tackle these issues.
Comment
24•USASA
Emergencies could include a broken mobile phone, car breakdown, health issues, and losing your purse. You need $400 to $2000 in savings to lodge your insurance claim or to find a Plan B for your daily activities.
Activity
How to set your financial goal?
14
What if you are planning to save towards buying a pre-loved vehicle? Fill in the blank lines in the sentences below, and an example has been done for you. I am planning to save towards buying a pre-loved vehicle.
Example:
My budget is $2000. My budget is I have
savings in my account.
My family/friends can support me My take-home salary is
every month.
My monthly cost of living I need
months to drive
my vehicle home.
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Activity
15
Money Confess Name one thing you regret buying, and list: how much you spent, when, what and why you regret.
I regret buying, How much I spent
When What
Why 26•USASA
$
Chapter
n i d e p n g S & Sav ing It is vital to develop your own spending and saving habits by prioritising your needs and wants to live a financially sustainable life.
3
Activity
16
Cut and paste for your short-term goal savings: 1. Find a picture 2. Cut it out 3. Glue it on this page
28•USASA
How to achieve this goal Hint: Savvy shoppers always ask themselves three questions before they buy.
FIRST: Is it a need or a want?
Advice
Step back and think twice. Mull it over for a day or two if it is a want.
SECOND: Am I getting a good price?
Advice
Compare prices on the internet, evaluate the shop’s return policy and research the product quality.
THIRD: Can I reduce costs?
Advice
Comment
Look for discounts for paying cash and buying in bulk, search for coupons and wait until the price drops.
Seeking a way to spend less and save more is not being cheap, it represents that you are walking down the right path and living in a financially healthy lifestyle!
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Activity
17
SPENDER VS SAVER QUIZ Do you save your money or do you spend, spend, spend? Do the Saver VS Spender Quiz and find out!
QUESTION 1 OF 10
You get your fortnightly income. Do you:
A
Go shopping to treat yourself straightaway
B
Spread it out over the week
C
Spend what you need and save the rest
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QUESTION 2 OF 10
Do you borrow money from your friends and family?
A
Only in an emergency
B
Always
C
Maybe once a month
D
I never borrow money
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QUESTION 3 OF 10
You buy groceries from a supermarket, and when you go out of the shop and check the receipt, you notice that the cashier overcharged you $2 for apples. Do you:
A
Leave it until the next time you go shopping and ask for the reimbursement of the overcharge
B
Go straight back in and ask for the $2
C
Go home and forget about the $2
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QUESTION 4 OF 10
You see something you like at a discounted price during a sale. Do you:
A
Buy it – you are saving by buying it
B
Stop and think. Do I need it? Can I afford it?
C
Get one for yourself and one for a friend, it’s a bargain after all
D
Talk yourself out of buying it
QUESTION 5 OF 10
You found two 5c coins in your dirty jeans pocket before doing laundry. Do you:
A
Make sure you spend them
B
Save them in a moneybox
C
Throw them away because they are worth very little
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QUESTION 6 OF 10
You get a gift card for your birthday. Do you:
A
Head for the shops to buy stuff
B
Think about what you want/need from the shops and spend the money in the gift card on those things
C
Buy yourself one thing from the shops as a treat (it is your birthday after all!) and save the leftover credit for next time
D
Save it all, as you have big plans for buying from that shop in the next couple of months
QUESTION 7 OF 10
You go to the vending machine and notice the price of your favourite snack bar has increased. Do you:
A
Find a cheaper snack bar as a substitute
B
Reduce the number of snack bars you buy
C
Look around for a better deal
D
Ignore it as you mainly buy that snack bar from time to time
QUESTION 8 OF 10
Do you shop around when buying items:
A
This does not sound like me at all!
B
Occasionally
C
Yes, always
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QUESTION 9 OF 10
A new movie from your favourite movie series has been released in the cinema and you would really like to buy a ticket to it. Do you: A
Lean into your savings to pay for the movie ticket
B
Borrow from friends or family to buy the ticket, as you are the biggest fan of this movie series!
C
You don’t have the money to pay for the movie ticket this week. But you would like to save the money yourself for two weeks so that you can still watch it in cinema two weeks later.
QUESTION 10 OF 10
Which statement would be your money mantra:
A
Rain, rain, that’s okay. I have savings for a rainy day.
B
Spend, spend, as much as I may. I spend tomorrow’s money to start today.
C
Save, save, save – this is how I ride the wave.
36•USASA
Look back at your answers to each of the quiz questions. Calculate your score for each question and finish by adding up your total score at the end.
QUESTION
1
2
3
4
5
6
7
8
9
10
OPTION
SCORE
A
1
B
3
C
5
A
5
B
1
C
3
D
5
A
3
B
5
C
1
A
3
B
5
C
1
D
3
A
3
B
5
C
1
A
1
B
5
C
3
D
5
A
5
B
3
C
5
D
1
A
1
B
3
C
5
A
3
B
1
C
5
A
5
B
1
C
3
Total
MY SCORE
How did you score? Super Saver – Over 40 scores You are a Super Saver, no doubt! You are a frugal individual that try to limit spending and avoid waste. You could offer some great tips to your peers!
Saver – 30-39 scores Overall, you display a sensible attitude towards your finances. But remember there is always room for improvement. There must be more economical ways around. Go dig deep!
Saver/Spender Mix – 20-29 scores You stay somewhere in the middle. Sometimes, you have a keen sense of planning ahead, while other times, you don’t think about tomorrow when you spend.
Spender – 10-19 scores Without doubts, you love spending! You might find it less stressful to keep track of your finances and try to save from your earnings. This would give you more financial stability and confidence.
Super Spender – Less than 10 scores There is an opportunity for you to improve your spending habits. Book a free, confidential, and non-judgemental financial wellbeing service today and see what advice are available for you.
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Activity
Saving goals
18
Saving goals can be short-term (within a month) or long-term (more than 1 month).
Short-term Example: Save $400 emergency buffer in a month
GOAL AMOUNT USASA•39
Long-term Example: Save $6,000 to buy a car in a year
GOAL AMOUNT 40•USASA
Either Short-term or Long-term Example: Buy a $1,600 laptop
GOAL AMOUNT USASA•41
Saving goals Fill in the blank lines in the sentences below: You have short-term goal(s) and long-term goal(s). You decide to divide your your goals as follows:
savings between each of
You allocate $
per week towards your short-term goal.
You allocate $
per week towards your long-term goal.
By dividing your savings this way, you can work out: How many weeks or months it will take you to achieve each of your financial goals.
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Activity
19
Saving goal colouring in Reward yourself with a nice food treat after you have achieved your financial goal and completed your colouring in.
100% 75% 50% 25%
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Activity
20
A mantra colouring in
-Benjamin Franklin
44•USASA
Activity
Five-minute shower challenge!
21
Timer on, take a 5-minute shower and colour in the shower head. Whenever you have done five consecutive 5-minute showers, treat yourself to a nice beverage!
Comment You might want to take some time and scarce resources challenges to change your existing living habits.
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Activity
22
Spending money crossword puzzle 3
1
6
2
7
4
10
5
8
46•USASA
9
Down: 1.
I always
two or more products when shopping.
3. Instead of buying a 4. Buying a
, I can borrow it from a library. is my next financial goal.
5. After the exam, I always
a huge meal.
involves joining USASA clubs to find 6. My likeminded indviduals. 9. Ice cream is always my favourite summer
.
Across: 1.
Sometimes I need to
2.
is the amount of money required when I pay for goods and services
3.
I always
7.
I know where to check the due date of my
8. A 10. I eat at
between two things.
groceries from a supermarket. fee.
phone can be either my need or my want. for special occasions.
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Activity
23
Name your top five most costly living expenses, such as:
entertainment
rent
d
o fo
utili
ty bi
tex
tbo
1.
2.
3.
4.
5.
48•USASA
oks
t
por s n a r
t
lls tuition
fee
Activity Food habits, write down how much you spent last month on cooking at home vs takeaway.
Comment
24
Your own spending can take a big part of your finances. You can take control of your cost of living by budgeting carefully and changing your spending habits. For instance, you are busy juggling between your study and work commitments. You always take out. The exam week is coming, and your budget is tight. Why not write down a weekly meal plan, go shopping at supermarket every week, buy ready-to-cook meals and then stick your meal plan on the fridge?
$ Cooking at home
VS
$ Takeaway
Get utilities smart Please read the following and then do Activity 25.
Tips for choosing energy plans
Energy Made Easy is a government website that enables you to compare plans, find your right plan, control your utility bills, and get energy smart. Scan the following QR code to find the Energy Made Easy website and more resources on how to improve your finances.
USASA FINANCIAL WELLBEING BOOKLET
50•USASA
Here are the general steps for energy comparison:
STEP
1
Choose from three categories: electricity, gas or bundled (one retailer).
Electricity
Gas
STEP
2
Type in your suburb or postcode.
STEP
3
Select how many people in your household.
STEP
4
Provide your meter data or upload your utility bill. USASA•51
Tips for choosing mobile plans Mobile plans generally have two categories. It depends on whether you need a phone in your mobile plan or it is sim card only. Here are a few tips to help you decide which plan suits you:
STEP
1
STEP 1.1 If you needed a mobile phone, the first step is to choose your phone. Ask yourself a few questions before you sign a mobile plan. The questions include: • • •
Is your old phone still usable? Is this new phone a need or a want? Is there any cheaper alternative?
After choosing your phone, you need to decide your budget.
STEP 1.2 If you had a phone and needed a sim-only plan, then you can jump straight to decide your budget.
STEP
2 52•USASA
What is your budget? If your budget is $20 per month, then go to the next question to check how many options for you.
STEP
3 STEP
4 STEP
5
Under your budget, how much data would you like to have per month? Under $20 monthly budget, the mobile plans vary from as little as 0GB to 0.05GB per month to 20GB or more per month.
How many national calls and texts do you need per month? Some mobile plan providers provide unlimited national calls and texts.
How many international calls and texts do you need per month? Does this plan include limited while free international calls? This is an optional extra, but may be worth paying for if you have family overseas.
STEP
6
How long do you have to stay in this contract?
Summary: A mobile plan is a personal preference that reflects
your needs or wants. The cost of a monthly mobile plan can vary from as little as a few bucks to over $100. Please always bear your budget in mind and read the contract before you sign it.
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Tips for choosing internet plans
The best internet connection for you depends on your internet needs and your location. There are different internet options including NBN, ADSL 2+, Cable, and Home Wireless. Here are the general steps for internet comparison:
STEP
1
Find your suburb or postcode.
STEP
2
Count how many people in your household.
STEP
3
Decide your speed requirement.
STEP
4
Decide your budget.
You can do free internet comparison on the bottom of the QR code page 70. * Please be mindful that some of the websites are commercial websites, so fees and charges might apply if you access their services. 54•USASA
Activity
25
Fill in the sentences: I spend $ $
on my mobile phone every month. is for my mobile plan and $
Besides, I pay an extra $
on my new phone.
every month on international calls,
as my family is overseas. There is a cheaper plan on the market that could saved me $
if I change my mobile plan.
Comment
Cost of living contributes to a big part of your expenses. It is always good to know whether there is a better option for your utilities on market.
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Activity
26
Savings Tracker I'm saving for:
DATE
Completion Date: 56•USASA
Goal: $
AMOUNT
DATE
TOTAL: $
AMOUNT
Activity
How much money you could have saved after doing all the above?
27
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4 ways to make saving fun!
1. Make it a game! Compete with a friend to see who can save the most money in a month.
58•USASA
2.
Save for something fun! Make sure your efforts will be rewarded at the end.
3.
Use a stylish moneybox! Your moneybox could be eye catchy, and/or digital! Make sure it has separate compartments for: • • • • •
My daily expense My house and utility bills My emergency savings My treat/dream savings My tuition fee/debt savings
4.
Think of fun ways to earn more!
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Chapter
4
Deb t Debt can be a doubleedged sword.
Debt can be both good and bad. People can take debt, such as a mortgage, which can increase their future income. However, Australian households have the world's second-largest debt, each owing $250,000 on average. In 2020, almost 10% of the 8 million Australian renters and landlords who 60•USASA
rely on the rent are in debt. You might have noticed that credit card debts can eat up your earnings and drain you when you struggle to repay your monthly instalments. As a student, you should try to live within your means. In other words, you are encouraged to shift from your credit to debit spending habits.
Activity
28
Borrowing Money Wordsearch K
S
F
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H W O I
M E
L
B
O L
U O R
R
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J
R
O L
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O F
B
A
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M U B
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Q D D M H R A
C
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Q K
M U B
J
Z
T
Debt
Less
Lend
Card
Loan
More
Limit
Account
Interest
Earn
Credit
Contract
Back
Borrow
Debit
Investment
L
N F
Mortgage
USASA•61
Activity
29
If your monthly money-in is $2700 and your monthly money-out is $2500, you would have $200 savings brought forward. Therefore, ask yourself, “Is there anything I can lean into instead of my credit card”?
Fill in the blanks Whenever you swipe your credit card, you are taking out a . The interest charged on the loan can be as high as 20%. Imagine this: if you used your credit card to pay for your $10 beverage, you would have to pay $ when you could not make the payment due. Suppose you only make the minimum each period; you will have to pay more , and it will take you longer to pay off your loan (and this is what your bank would have told you on your bank statement!). You should split your into several parts, including a debt fund and a credit card fund, to repay them quickly. You can shift your credit spending habits to spending habits by implementing this method month after month.
Activity
Buy Now Pay Later
30
Please try to answer the questions below: What is Afterpay/Zip Pay?
What is the difference between Buy Now, Pay Later and a loan?
Please refer to page 70 for the QR code containing the USASA's podcasts and more resources about Buy Now Pay Later.
USASA•63
Chapter
5
Sca m The best way to deal with a scam is to delete it! Various scams include pay for you now and you pay later, pump & dump, Ponzi scheme, pyramid scheme, multiple level marketing, and coaching scheme. Please disregard or delete the scam!
64•USASA
Activity
Being A Detective!
31
A person contacts you via WhatsApp claiming that they are a finance company helping you solve any finance issues. They can pay upfront on your behalf and then you repay them later. They use a gmail address as their company email. They have no business address with various accounts in multiple locations. If you were a detective, are you able to identify any fraudulent/suspicious parts from the statement above?
USASA•65
Chapter
6
Sum mar y So far, we have trained ourselves financial literacy through various activities of financial wellbeing, budgeting, spending, saving, debt, and scam. Now, it is time to test your financial literacy. Complete Activity 32 and 33 and see how you go.
66•USASA
Make your own dice! Instructions: •
Cut out template and fold along the lines wherever two squares meet.
•
Apply glue on the dotted flaps and stick the flaps onto the other end to make your dice.
•
Use this dice for Activity 32 The money adventure game on Page 66
USASA•67
Activity
32
7
6
5
4
You spent all your $30 on ice cream, slide down 4 spaces
3
$200 income as a shop assistant, move up 2 spaces.
11
8 You sa ved $1 00 being an Ube f rom r driv Move a head t er. o 10.
u 20 en p y oc ter our ca tai tr Yo si nm ea u on e ts se s. nt ac t M a c ov nd ou n e ah sp t f e ea ci or d al t 24 o .
9
19
of ck a r ll s. tt ep s. We ace k p u s e 10 Yo nanc up 2 fi e ov ur yo e! M n do
18
You repaid $500 borrowed from a friend. Move ahead to 21.
17
21
22
Your car broke down. Luckily, you have your $400 emergency fund. Slide down to 16.
FINISH
68•USASA
23
You found a better paid job! Move up 5 spaces.
24
You reviewed your spending habits and would like to implement budgeting methods to manage your personal finances. Well done! Move ahead to the finish spot!
35
The money adventure game 2
Make a dice: Please make your own dice using the template and instructions found on Page 67. Once you have made your own dice, come back to this page to play the game.
1 START
12 You lost your Metrocard,
and you need to buy a new one. Slide down to 5
16 You saved $400 for
14
15
28
your emergency fund! Move up 4 spaces.
13
25
26
Have you got your dice ready? Great! Let's roll it, move forward according to the number of spaces rolled, and follow the directions on the board.
You set up your financial goal and would like to save money to achieve it! Move ahead 5 spaces.
29
Have fun!
You a re ha lf your finan way achie cial g v ahea oal! M ing d to 3 ove 3.
30
27
31
34
33
32
You buy take away food a lot, as the exam week is coming soon, and you are busy fulfilling both your study and work commitments. Slide down to 27. USASA•69
Activity
33
Your own portrait Close your eyes or look in the mirror, draw your own portrait or the image you see yourself today.
70•USASA
Activity
34
Imagining your future self Imagining your future self - Draw your future self-portrait, scan the QR code to submit your self-portrait by the due date 19th of April 2024 to have a chance to win a $100 Officeworks voucher.
USASA•71
More Resources! Did you know you can apply for UniSA-wide equipment grants and scholarships? Scan the QR code to see all the options available to students.
UNISA GRANTS & SCHOLARSHIPS
Scan the following codes to find more resources on how to improve your finances.
PODCAST LEVERAGED
USASA FINANCIAL WELLBEING BOOKLET
ANSWERS: Activity 22: Spending Money Crossword Puzzle. Down: 1. compare, 3. book, 4. car, 5. eat, 6. entertainment, 9. treat Across: 1. choose, 2. price, 3. buy, 7. tuition, 8. smart, 10. restaurants Activity 29: Filling the blanks. loan, $12, payment, interest, income, debit. 72•USASA
CERTIFICATE This certificate hereby confirmed:
Has increased the awareness of financial literacy by educating yourself through various financial literacy activities in this Financial Wellbeing Book. Congratulations, you will be more financially intelligent for your future endeavours! And please bear in mind that it is a lifelong journey for financial literacy education!
USASA Financial Wellbeing Officer
Date: USASA•73
This book is your companion on the path to financial wisdom! Inside, you'll find a variety of engaging activities designed to help you improve your finances. Take it with you, dive in, and let's embark on this financial journey together!