Do you ever notice how some people seem to always have a dollar and others are always broke? Do you ever notice how some people seem to get by on a small amount of money? Do you ever wonder how these people do it?

It is called good money management. The following questions may help make you a better money manager.

Buying tips!

1. Ask yourself, is this something I really need?
2. Do I need to buy it right away?
3. Should I look around for a better price?
4. Can I afford it right now?
5. Can I wait and get it later?
6. Are there other things I need more?
7. Is it worth the asking price?
8. How much use will I get out of it?

Buyer Beware!

1. Is there a warranty or guarantee with the product?
2. Can I return it if I am not satisfied?
3. Will someone be available to service it if it needs repairs?
4. Will I be able to get replacement parts?
5. Do I know how reliable the product is, do I know someone who has one?
6. How expensive will it be to operate?

A Penny Saved is a Penny Earned

There is no question that saving to buy something has more advantages than buying on credit. You will avoid paying high interest charges which are often hidden in contracts. Small monthly payments may look attractive but you must look at the number of payments you will have to make. Many times major purchases are well worn out or no longer useful and you are still paying them out. It is very important to plan major purchases. There will be times when you will not be in a position to pay the complete amount. A down payment, even a small one, can make a big difference in the final cost.

Complete the following math problems. All the answer will add up to 2000.

1. 7 + 4 + 8 + 9 + 6 = _____
   
   
2. 42 - 21 = _____
   
   
3. 432 - 217 = _____
   
   
4. 6 x 7 = _____
   
   
5. 140 x 9 = _____
   
   
6. 150 ¸ 3 = _____
   
   
7. 1600 ¸ 20 = _____
   
   
8. 930 ¸ 31 = _____
   
   
9. A farmer planted 14 rows of cabbage in his field. He planted 18 cabbage in each row. How many cabbage would he expect to harvest? _____
   
   
10. Mary was born in 1984. She had a birthday on January 1, 2000. How old is Mary? _____