Smart Money Starter Pack

From overdraft fees to impulse buys, it’s easy to make money mistakes—especially when you’re just starting out. But knowing a few key tips can help you avoid debt and build financial confidence. Smart money management isn’t about being rich—it’s about making your money work for you.

💸 Your Task:
Below are four common teen money scenarios. Pick one and write what you would do and what might be a smarter move.
1. You get your first credit card and hit the limit in two months.
2. You start a side hustle and spend all your earnings on shoes.
3. You want to go to a concert but haven’t saved enough. Your friend offers to “spot you”—and says you can pay them back later.
4. You ignore your bank account until it’s nearly empty… again.

Then answer this:
👉 What’s one financial habit you want to build starting now?
📈 Bonus Challenge:
Set a SMART money goal (Specific, Measurable, Achievable, Relevant, Time-bound).
Example: “Save $200 by September for a new laptop.”