Author Archive

Ice Cream Day by Sammy Rabbit

Hello friends! 

With summer in full swing, I have been working on a new song called Ice Cream Day. I love ice cream, especially in the summer when it is hot. Here is a rough draft of lyrics to one of the verses:

Ice cream day…ice cream day…you used to be my favorite day … chocolate chip, cookie dough, even love me some rocky road…I should have had a hunch… if I ate too much and spent too much it would hurt a bunch… ice cream day…ice cream day…you used to be my favorite day…until I got carried away!

Sometimes it is easy for me to get carried away, especially when I am having fun and enjoy something. Does that ever happen to you? Spending smart and not over doing things, just like saving money, are great habits. Here a few things smart spenders do and so can you:

1. Smart spenders have a budget. They make a list of what they are going to spend on and how much.
2. Smart spenders compare prices and do research before spending.
3. Smart spenders, when they need to spend, use coupons and buy things on sale.
4. Smart spenders talk to other smart spenders about how to get the most for their money and make their money last as long as possible.

I hope you have a great summer and continue to work toward making your dreams and goals come true. You can do it! Now, go get to it!

Your friend,

 

Learn more about Sammy and his mission to help kids get in the habit of saving money and make dreams come true at www.itsahabit.com

© 2009 The It’s a Habit Company, Inc.

Spending Smart at 6 and 60 – Sammy’s Gold Karat Tip #1

Hello to All My Friends!

The next few months I am going to share some tips with you on how to “spend smart.” I like spending money almost as much as I like saving money to build my future. I like spending money almost as much as I like saving money so I am prepared for emergencies and to make dreams come true. How about you?

Sammy’s Gold Karat Spend Smart Tip #1: when you choose to spend, never, ever, spend more than you have. Do not do it when you are six or sixty!

One good way to not spend more than you have is to break down each dollar you earn or receive and separate it into categories.

Here is an example:

Sample Spending Plan

Saving                   10 cents

Giving                   10 cents

Investing                10 cents

Smart Spending   70 cents

Total                     $1.00

Notice, my plan is to never, ever spend more than seventy cents of every dollar I earn or receive. Why? It is simple. As much as I like to spend, building my future and giving are more important to me than spending everything I have. I think spending seven dimes or less out of every ten dimes I earn or receive is smart. What do you think?  What do your parents think?

Always spend less than you have! I know you can do it. Now, go get to it!

Your friend,

Learn more about Sammy and his mission to help kids get in the habit of saving money and make dreams come true at www.itsahabit.com

© 2011 The It’s a Habit Company, Inc.

The Savings Plan by Sammy Rabbit

The Savings Plan by Sammy Rabbit 

Hello friends!  

It is smart to have a money plan and do all you can to work that plan. It is smart to know where you want your money to go so it gets there and just doesn’t end up anywhere.  That’s what a plan can do – help you put your money where you want to. If you stick to it, you can do it. 

Here are a few things to know about plans: A good plan is in writing. A good plan is clear and easy to understand. A good plan has a start and an end date. A good plan includes small steps. A smart person puts energy, enthusiasm and pep into working each of those steps. A smart person reviews their plan regularly. A smart person gives their plan time to work. A smart person adjusts their plan when they know for sure the plan is not working. 

Anyone can have a plan and smart people do. So should you. You are smart too. You can do it! Now, go get to it! 

Your friend,

 

 PFCU has lots of ways to help kids save.  Check out the Kid’s Club at www.pfcu.org and become one of Sammy’s Pals!

 Make your Savings Plan today!  Download and print your goal setting sheet for free.

  http://www.pfcu.org/site/KidsClubSaving.pdf
 

Learn more about Sammy and his mission to help kids get in the habit of saving money and make dreams come true at www.itsahabit.com

© 2009 The It’s a Habit Company, Inc.