Money & Using It Wisely

Which are you more likely to do?

Pay $1.25 for a soft drink out of a machine or buy a 12-pack on sale at 25 cents per can?

Pay $125 for the coolest shoes in town or buy gently-worn retreads for a buck, twenty-five at the consignment store?

Which is the better buy? 

No matter how much money you have, it pays to manage it wisely.  In 4-H, kids learn the difference in a “want” and a “need,” how a bank account works, how to create a budget, to get the most for the money spent, to use a credit card responsibly, to save for the future, and to make money work for you through investments.  These are skills you’ll use throughout life…starting right now!

To get a project book or see if there is a 4-H Club or special interest group near you, contact your county's Extension agent for 4-H.

 

Curriculum

Youth Projects

Consumer Savvy Series

4-H Build a Million: for youth, ages 14-18. Source: eXtension

 

Volunteer Leader's Guide

4-H Build a Million:  for volunteer leaders working with a 4-H club or group of youth ages 14-18.  Source: eXtension 

Building a Healthy, Wealthy Future:  for volunteer leaders working with a 4-H club, group or school classroom of youth in grades 6-8.  Source: KY Cooperative Extension Service; contact your county's Extension agent for 4-H youth development. 

Consumer Savvy Series Helper's Guide: for volunteer leaders working with a 4-H club, group or school classroom of youth in grades 4-12 Source: 4-H Mall 

Financial Champions Helper's Guide: for volunteer leaders working with a 4-H club, group or school classroom of youth. Source: 4-H Mall

High School Financial Planning: for volunteer leaders working with youth in grades 9-12.  Source: National Endowment for Financial Education;  For "Hot Topics" to use in discussions with teens, contact Bob Flashman directly at rflashma@uky.edu.

It's Your Reality: Guide youth through six hours of instruction on financial concepts, followed by a simulation called "Dollars and Sense" or "Reality Store" where youth put the concepts into action.  Intended user: Volunteer leaders working with a classroom of youth in grades 4-12. Source: Kentucky Cooperative Extension, contact your county's Extension agent for 4-H youth development.

 

Related 4-H Events & Activities

County Fair or Exhibit Day: In many counties, 4-H members have an opportunity to enter a consumer poster in the local fair.  Your agent can provide details.  Your poster might even be selected to represent your county in Cloverville at the Kentucky State Fair.  For specific poster requirements, take a look at the 2016 State Fair Catalog--Consumer Ed. The State Fair contest is sponsored by the Kentucky Attorney General's Office and Consumer Protection Division and state champions win cold, hard cash,      

Exhibits are judged against a set of standards.  Take a look at the standards for the poster...

Communications Competition: Are you interested in giving a speech on a financial or consumer topic you learned in this project?  Would you like to demonstrate some of the practices or skills you learned?  Most county 4-H programs host communications competition sometime during the year.  Contact your county's Extension agent for 4-H youth development for more information on county opportunities.

Achievement Program: Youth who are actively involved in 4-H are often tapped to serve in leadership roles.  If leadership or service to others is your thing, ask your county's 4-H agent about 4-H Achievement.

If you are considering a future career in family and consumer sciences, check out what's happening in UK's School of Human Environmental Sciences.

To learn what's happening in 4-H in your county, contact your county's Extension agent for 4-H youth development.

State Contact: Kimberly Adams Leger, Extension Specialist for 4-H Youth Development, Office: 209F Scovell Hall, University of Kentucky; Mailing address: 212 Scovell Hall, Lexington, KY 40546; Phone: 859-257-7179; Fax: 859-257-7180; Email: kladams@uky.edu