Volume 2, Issue 3 - Fall 2025

 Hey Junior Investors!

Fall’s here—school’s back, the air’s getting cooler, and it’s the perfect time to sharpen your money skills while juggling homework, sports, and hanging out with friends. This issue has everything you need to make smart financial moves before the year wraps up. Let’s get started!

Budgeting Tips: Managing Your Money During Busy School Months
Fall gets hectic fast—football games, club dues, field trips, and weekend plans can drain your budget before you know it.

• Prioritize Your Calendar: List upcoming events and estimate costs so you’re never caught off guard. 
• Bundle & Save: Carpool to games or split rideshares and snacks with friends to cut costs. 
• Skip the FOMO Splurges: Not every hangout needs to cost money—host game nights or study sessions at home.
   

Saving for Big Goals: Holiday Season Prep Starts Now
From Halloween costumes to holiday shopping, fall is the time to stash away cash.

• Create a Holiday Fund: Even $10 a week adds up before December. 
• Earn on Your Terms: Rake leaves, help neighbors decorate for the holidays, or sell last year’s clothes and gadgets. 
• DIY to Impress: Handmade gifts or decorations save money and feel more personal.
   

Investment Basics: Dividend Stocks 101
 

Want to get paid just for owning stock? That’s what dividends are all about.

• What They Are: Companies share a portion of their profits with shareholders, usually every quarter. 
• Why They’re Cool: They can provide steady income on top of stock price growth. 
• Getting Started: Look for companies with a long history of paying dividends—but don’t skip your research.
   

Financial News: Student Loan Changes You Should Know About
Even if college feels far away, changes in student loan policies can impact your future.

• What’s New: The federal government is expanding income-based repayment options and offering more forgiveness programs for certain careers. 
• Why It Matters: Knowing your options now helps you make smarter college and career decisions later. 
• Your Move: Stay updated—financial aid and loan rules change more often than you think.
   

Q&A Section
Q: How do I balance saving for big goals with enjoying my senior year?

A: Think 80/20—save 80% of any extra cash for your future goal, but enjoy 20% guilt-free. That way you make progress without missing out on the fun.