I work with my mom, and every time I get paid, I put one-fourth of it in my savings account. I put the rest in my spending account. The money that I put in my savings account is for college, a car and a house. The money I put in my spending account I can spend on things I want.
The first year, I bought little things like candy. The second year I bought a My Twin Doll, which cost $139. The third year I bought an MP3 player.
My mom has been encouraging my brother and sisters and me to save for big things.
When you buy little things, you don’t really like that stuff, but if you buy something big you will either like it or play with it more than you would little things.
Last year my brother and sisters and I started saving pennies to help families and children in need. We hope to buy a gallon of water, a first-aid kit and blankets. I suggest to my friends and church members to do this, too.
When I said I worked with my mom, I didn’t tell you what we do. We garden for a lady in Kansas. I keep encouraging my friends and neighbors to save their money.
April O’Kelley, age 12