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Do you consider yourself a "smart spender"? How do you save money on things you want and need to buy?

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Spending Smarts: Think Before You Buy!
Ticket, soda, fast food, record, ring, jeans, DVD player, money

Topics on
Spending Smarts:
Think Before You Buy!
What We Wear
Toys, Gadgets, and
    Sports Gear
Crazy for Collecting
Food and Fun
Books, Music, and
Surfing the Sales
Ten Super Shopping
From the Mentors
Spending Stories:
Cast Your Vote!

The Brand Name Battle
The Spending Safari
Did you know that tweens in the U.S. spend about $15 billion of their own money each year? Yikes! That's a lot of dough. But do you spend it SMART? Do you identify with any of these IML'ers?

"I only buy something if it's on sale," says Tamara, 12. "I like the feeling of knowing I got something cool for less money than someone else did."

Luke, 11, told us: "If it's something I really want, and I want it at that moment, I'll just pay whatever price it is. I'm not patient enough to shop around."

"I think I'm good with shopping for clothes and stuff," says Laci, 13, "but I spend a lot on food every week. You can't really get food on sale!"

Cooper, 12, admits that "I buy things too fast. I don't usually think about whether or not I really need or want something until after I bring it home."

Being a young person doesn't have to mean being confused when it comes to the how's, what's, when's, and where's of spending money. IML is here to help you...

  • Understand some of the tips and tricks that companies, stores, and restaurants use to get us to buy as much as possible.

  • Learn what makes something a good value.

  • Find different ways to get the things you want for less or even no money.

  • Put time and thought into big purchases so you won't regret them later.

Printables Take a hard look at your own spending smarts with a printable IML Journal page and the Spending Smarts Word Search. You can
also check out a list of great books on the subject or try these discussion questions that will help you talk about this topic with
an adult.

Ready? Okay, let's go, starting with What We Wear!

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Mad Money
Mad Money!
Can you control
your cash?

Vote Now
Do you compare prices when you shop?
Yes, I'm careful
       to always look
       for the best deal.
Yes, but only
       on big-ticket
Nope, I usually
       just buy what I
       want without

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