It’s Winter! Let’s
see what kind of fun
things this month’s
newsletter has for us!
Winter 2007/2008
Pee Wee Penguin
Young Savers’ Club
Do You Want to Save Money For Something Special?
Learning how to save money is important, whether you have a lot or a little.
These tips will help you get started:
Start at the finish line!
To begin, start at the end. It might sound silly, but knowing what you want
at the end can help you plan. Are you saving for college? Maybe you want to
buy a new bike. Whatever your goal, post a picture of it where you’ll see it
every day so you’ll remember what you’re saving for.
Are you spending more than you’re saving?
The second step is to look at what you’re spending and how much you’re actually saving.
This is where even most adults panic. But it’s not hard–compare the numbers and ask
yourself if you’re spending too much money.
Make a plan.
To save successfully, your expenses should not be greater than the total amount you want
to save each week. Let’s say you want to save $400 for a guitar, your allowance is $15 a
week, but you spend $10 every week on snacks and video games. This means you’re only
saving $5 a week. It will take you a long time–80 weeks–to save for that guitar. On the
other hand, if you save $10 a week, it only would take 40 weeks–half the amount of time–to
save for the guitar.
Look for opportunities to save your money. You’ll be surprised how quickly it adds up!
‘Snow
Patrol’
Penguin
Riddle M
e
Color Me!
Q. What sort of animal
is a slug?
A. A snail with a
housing problem!
Q. What is “out of
bounds?”
A. A tired kangaroo!
Q. Why does a flamingo lift up
one leg?
A. Because if he lifted up both
legs he would fall down!
Q. What has two humps and is
found at the North Pole?
A. A lost camel!
Q. Where do tadpoles change?
A. In a croakroom!
Fa
cts
• A quarter is worth 25 cents.
• The quarter was designed in 1932 by John Flannigan.
• There are 119 ridges around the outside edge of a quarter.
• A picture of George Washington is on the front.
• An eagle was on the back until 1998. Since then, there have been
separate designs for each state on the backs of the coins.
• Many people collect coins from each state.
Have you ever found a quarter from your state?
Every day, the Bureau of
Engraving and Printing produces 38
million paper bills with a face value
of about $541 million.
Why?
Answer: To replace
worn out money.
Kid Craft!
Whipped Snow
Materials
• 2 cups warm water
• 1 cup pure laundry soap or
soap flakes
• Large bowl
• Electric mixer
• Food coloring (optional)
Directions
1.Put water and soap in a large bowl
and beat with an electric mixer until
very fluffy. (Have an adult help you.)
2.Add color if desired.
3.If you like, separate the mixture into
a number of bowls, and tint each a
different color.
4.Mold the fluff into shapes and allow
the shapes to dry.
Oreo
Loose Change?
Save a leftover tomato sauce jar or
plastic container with a cover.
Decorate it with your favorite designs
and colors. Glue pictures on the jar of
things you want to save for as a treat.
(Ice cream, a movie rental, small toy.)
Then cut a hole in the lid (an adult can
help you with this) and put the jar in
an easily accessible area.
Put any loose change in the jar as a
way of saving instead of having the
loose change in your pockets.
At the end of the month, count up all
the change and treat yourself as a
reward for saving!
Quiz Me
1. Credit unions give you
interest on the money
you save there because:
a. they like you.
b. they pay you to borrow
your money.
c. they think you might
need a few extra bucks.
d. they want you to stop
asking your parents
for money.
2. The smartest thing to do
with your money is to:
a. spend it.
b. give it to your brother
or sister.
c. use it to open a
credit union share
savings account.
d. bury it underground.
Answers: 1. b, 2. c
Money
Word Search
Find these words, either
down, across, or diagonally.
Allowance Dividends Penny
Branch
Dollar
Quarter
Charity
Finance
Save
Checking Goals
Savings
Credit
Loan
Share
Union
Member
Spend
Deposit
Nickel
Withdraw
Penguin Snack
Ingredients:
• Oreo Cookie
• Candy Corn
• Hershey Kiss
• OPTIONAL: White icing or frosting
Directions:
1. Divide the Oreo into two pieces.
(An adult can do this easily without
breaking the cookies by using a
sharp knife.)
2. Break or cut (with serrated knife) the
half that does not have the icing on it.
3. Unwrap candy Kiss and push
the flat part into the frosting of the
Oreo cookie.
4. Take the two halves of the other part
of the cookie and place on icing with
curved sides facing the center.
5. Use two pieces of candy corn to
make the feet.
6. OPTIONAL: Eyes can be added
using small pieces of icing or by
‘stealing’ a little bit of frosting with
a toothpick.
Artists’ Corner
Check out these drawings
sent in by my friends. They
show me going to school, in
Tae Kwon Do, playing in snow,
and dancing! Don’t forget to keep
sending me your drawings of me and your favorite
activity, and I will try to put it into the next issue.
(Don’t forget to include your name, age, and the
name of your credit union.)
Mail your drawings to:
Pee Wee Penguin, MACUA, PO Box 7250,
Bismarck, ND 58507
Brian B., age 10
MS FCU
Jackson, Mississippi
Amy B., age 11
Richland FCU
Sidney, Montana
Ezmerelda J., age 10
Capital Educators CU
Boise, Idaho
Katelyn W., age 12
Fergus County FCU
Lewistown, Montana