By Cecilia Minden,Timothy J. Whiteford,Ryan Spaude

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Money Sense for Kids. Hauppauge, NY: Barron’s, 2004. Heckman, Philip. Saving Money (How Economics Works). Minneapolis: Lerner, 2006. Holyoke, Nancy. A Smart Girl’s Guide to Money: How to Make It, Save It, and Spend It. Middleton, WI: American Girl, 2006. html Money management information and games Real World Math: Saving for the Future 31 Index allowances, 4, 5, 9, 10, 13, 16, 24 financial goals, 5–7, 12–14, 16, 23–24, 25–26 banks, 9–10, 14, 15 interest, 14–15, 18 calendars, 13 charities, 24, 25 chores, 21 computer programs, 26 coupons, 21 jobs, 4, 21–22 long-term goals, 5, 7, 13, 14, 16, 23–24, 25 money diaries, 17–20 deposits, 10 expenses, 7, 9, 11, 19, 20– 21, 25 needs, 7, 9, 11, 19, 25 negotiation, 21 patience, 12–13 research, 15, 27 sales, 21 savings plans, 24–26 short-term goals, 5–6, 7, 13, 23–24, 25 unexpected expenses, 5 wants, 5, 7, 9, 11, 13, 19, 22 Web sites, 15 About the Author Cecilia Minden, PhD, is a literacy consultant and the author of many books for children.

80 to spend as he wants. 00 on his 16th birthday. 80 Real World Math: Saving for the Future 29 Glossary charity (CHEHR-uh-tee) an organization to help the needy, or a gift to such an organization coupons (KOO-ponz) pieces of paper that give you discounts on purchases deposits (dih-PAW-zutz) amounts of money put in a bank interest (IN-tuh-rest) the amount earned on money kept in a bank negotiate (nih-GO-shee-ate) to talk over something with others and reach an agreement 30 21st Century Skills Library For More Information Books Harmon, Hollis Page.

53. 53 more to buy the MP3 player. 00 from her allowance. 00 babysitting for Mrs. 00 babysitting for Mrs. Lambert. 00 Yes, Amy will be able to buy the MP3 player after 4 weeks. 20 to charity. 40 for short-term goals. 80 to spend as he wants. 00 on his 16th birthday. 80 Real World Math: Saving for the Future 29 Glossary charity (CHEHR-uh-tee) an organization to help the needy, or a gift to such an organization coupons (KOO-ponz) pieces of paper that give you discounts on purchases deposits (dih-PAW-zutz) amounts of money put in a bank interest (IN-tuh-rest) the amount earned on money kept in a bank negotiate (nih-GO-shee-ate) to talk over something with others and reach an agreement 30 21st Century Skills Library For More Information Books Harmon, Hollis Page.

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