Mattie Reynolds - Saving for the Future

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12

cover

by Mattie Reynolds

Saving for

the Future

An introduction to nancial literacy

Saving for the Future

Publishers Cataloging-In-Publication Data

(Prepared by The Donohue Group, Inc.)

Reynolds, Mattie.

Saving for the future : an introduction to financial literacy / by Mattie Reynolds.

p. : col. ill. ; cm. -- (Start smart: money)

Issued also as an ebook.

Summary: Learn ways to save a part of what you earn for things you want in the future.

This book will teach you words and ideas about saving.

Interest age group: 004-008.

Includes bibliographical references and index.

ISBN: 978-1-937529-42-0 (hardcover)

ISBN: 978-1-937529-38-3 (pbk.)

1. Saving and investment--Juvenile literature. 2. Children--Finance, Personal--Juvenile

literature. 3. Saving and investment. 4. Finance, Personal. I. Title.

HQ784.S4 R49 2013

332.024/0083 2012943325

Copyright 2013 Red Chair Press LLC

All rights reserved. No part of this book may be reproduced, stored in an information

or retrieval system, or transmitted in any form by any means, electronic, mechanical

including photocopying, recording, or otherwise without the prior written permission

from the Publisher. For permissions, contact info@redchairpress.com

Photo credits:

iStockphoto LP: pages front cover, 1, 5, 6, 9, 11, 13, 19, 20, 21

Shutterstock Images LLC: pages 3, 4, 7, 8, 10, 12, 14, 15, 16, 17, 18, back cover

Reading specialist: Linda Cornwell, Literacy Connections Consulting

This edition first published in 2013 by

Red Chair Press LLC PO Box 333 South Egremont, MA 01258-0333

Printed in The United States of America

1 2 3 4 5 17 16 15 14 13

Please visit our website at www.redchairpress.com .

Find a free catalog of all our high-quality products for young readers.

ISBN: 978-1-684526-07-9 (ebook)

CHAPTER 1

Why People Save................... 4

CHAPTER 2

How People Save................... 10

CHAPTER 3

When to Use Savings............... 16

GlossARy ......................... 22

FoR MoRE INFoRMATIoN ............ 23

INDEX ............................ 24

Words in bold type are defined in the glossary.

Table of Contents Table of Contents

CHAPTER

Many people work at a job. People earn

money when they work. Most people do not

spend every dollar they earn. Some of the

money they are paid for a job is put aside.

This is called saving.

But why do people save? Why dont they spend

the money they have worked hard to earn?

Why People Save Why People Save

People save money.

People save so they can pay for things they need

and things they want. Some people who work

have families. They may save part of what they

earn to pay for things their children will need.

By saving money, the family can pay for visits to

the dentist or doctor.

Other people save money for clothes and food

they need. A parent may need to buy food for

their family. We all need food, clothes, and a

place to live. These things cost money.

Sometimes a family may want to take a trip. By

saving money each time a person gets paid, the

money adds up. By saving the family can pay

for the trip they want.

Some kids have jobs. Saving money from a job

is a way to get the money you need to buy

items you want. Pretend you earn $10 doing

chores. If a soccer ball costs $40, you will have

to save money to buy it. The more you save, the

sooner you can buy what you want.

CHAPTER

When someone works at a job, they

may be paid by getting a paycheck . A

paycheck is like money. It can be taken to

a bank where it can be traded for money.

Other paychecks go directly to the persons

bank. Most people keep some of the money

to spend. Part of the money will go into an

account at the bank. The bank is a safe

place to save money.

How People Save How People Save

Banks help people save money.

Most kids who have a job do not get a

paycheck. Many adults and kids are paid

with money. It is easy to spend money right

away. You dont have to go to a bank to take

dollars and cents out of an account. So it is

important to have a safe place at home to put

aside some of your earnings.

Emma earns money by helping her mother at

home. She gets paid $10 each week for the

chores. Emma would like to spend the money

right away. But she made her own safe place

to save money. Now Emma puts aside $5 each

week. In four weeks, she will have the money

saved for a new shirt she wants to buy.

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