WINTER

2019R E A L

THE FUN NEWSLETTER FOR SMART MONEY KIDS

YOUTH MONTH: Picture yourself saving money for a new car, a trip to New York or Disneyworld, being at the zoo with your favorite animals, being a fireman or a chef! You may just want to picture yourself having fun riding your bike or playing with the new toy you received for Christmas.

April IS Youth Month. It’s your month. This is the time you can express yourself by saving money and dreaming about picturing yourself doing something fun with a pictographic.

PICTURE THIS!1. Imagine yourself saving money in your Buck Club for something fun (see the first paragraph for a few good ideas)2. Cut out a picture in a magazine (you may enlarge or make smaller if needed to fit your picture frame)3. Cut a picture of yourself out of an old photo you have around the house and glue it to the magazine picture where you think it looks the best and is most creative!4. THEN, find an old picture frame around the house or stop by the credit union and pick up one and decorate it using your creative talents. RFCU will have a box in both CU lobbies with old magazines and blank picture

frames you can use to create your picture and maybe even some fun decorating stuff!All picture entries will be set up on a table in the branch offices and members can vote on the most creative!

1st prize receives $100 Cash2nd prize receives $50 Cash3RD prize receives $25 Cash

ALL entries will receive a $10 DEPOSIT into their savings account from BUCK!!Enter during the month of April. See Official Contest Rules at www.RiegelwoodFCU.org/youth

APRIL YOUTH MONTH: SAVE MONEY & “PICTURE THIS”

w w w . R i e g e l w o o d F C U . o r g

Inside This

Issue Getting Money& Where It Goes

Watch Your Money Grow

Decode the Secret Message

How to Save Money

Q:

A:

EMOJI-VILLE:

JOKE BOOK

1

www.RiegelwoodFCU.org

What type of diet did the snowman go on?

The Meltdown Diet

Q: Q: Q:

A: A: A:

EMOJI-VILLE:

2 3 4

HA HA: Fun Ways to Annoy a Teen

What type of diet did the snowman go on?

How does a penguin build a house?

What is a snowman’s favorite snack?

What did the snowman order at Wendy’s?

The Meltdown Diet

Igloos it together Ice Krispy treats A Frosty

Credit Unions are great places to save your money. They are not-for-proft member-owned; money goes back to your, not to shareholders. That’s the credit union difference.

Watch Your Money GrowDo you know your regular allowance, gift money, or money you earn for jobs you do can make more money? When you put your money in a credit union savings account, it’s called INVESTING.

The credit union then pays you for letting it use your money to give loans to other people. So, how does your money grow in a savings account?

The first time you invest, you will be paid a dividend on just the amount

you put in your account. The next time your account pays a dividend, you’ll be paid on the money you put in your account, plus on the money you’ve already earned in interest. That’s called COMPOUND INTEREST.

So, you see, if you promise yourself to put a bit of money into your savings account every week (and don’t take it out!), you’ll watch it grow so fast you’ll soon have enough to pay for something really special, like a trip or a bike!

Secret Message Answer:

WHAT ARE THOSE? COOL GADGETS, TOYS AND GAMES OF INTEREST FOR KIDS OF ALL AGES HANDPICKED FOR RFCU MEMBERS BY OTHER COOL KIDS.

Some Images Created by Freepik 37157-YNL122018

Whiffer Sniffers Benny Barista Scented Backpack BuddyCost: $9.00

Scented backpack clip, hottest new collectible!

Kidzlane Pretend Veterinarian Doctor Kit Cost: $19.99

Realistic Pet Vet Play Set with 3-in-1 Carrier, Exam Table & Storage Case

Laser Tag Set Toys and Carrying Case Cost: $74.99

4 different team settings, for single or 4 players. No vest needed.

Found on: Amazon.comWorth Saving For?

Found on: Amazon.comWorth Saving For?

Found on: Amazon.com Worth Saving For?

Math: Common Denominator for Saving Money

SCHOLARSHIP OPPORTUNITY FOR YOUTH MEMBERS

Most kids think math isn’t very useful in everyday life. With smartphones and computers in the palms of their hands, kids think they won’t use math once they finish school. You can use math in your everyday life to save money. Most people use math without knowing it, although some people don’t use it as often as they should, and miss many money-saving opportunities. There are other ways to save money with math. Another example is to compare prices

with different unit costs. The most common way unit prices are important is when you’re buying large quantities of things. It can get tricky to know which is better just by looking at it.Using math also can help develop savings and spending plans. For example, if you want to buy a Nintendo Switch, which costs roughly $400, you can figure out how much allowance money to save per week or month.Doing the math helps you set realistic goals for saving.

If you’re an up and coming sophomore, junior or senior and want to add something unique to your resume or college application, RFCU has a fun and special opportunity for you.

“The things that I learned in those four days are more important than anything I have learned in the past 17 years.”

--Kyle B., Past Participant

Apply for the scholarship to attend the 2019 Cooperative Council of NC Leadership Camp. The camp will be held at the NC FFA Center at White Lake June 17-21.

RFCU sponsors two high school students and pays for registration costs.

To learn more or request application, contact:EWilliams@RiegelwoodFCU.net or pick up an application at the credit union.

Apply by May 15. Winners notified before May 31.

by Alex, age 11