Volume 2, Issue 4 - Winter 2025

 Hey Junior Investors!

Winter’s here—shorter days, colder weather, and a whole new set of financial challenges (and opportunities). Between the holidays, school breaks, and the start of a new year, now’s the perfect time to reset your money habits and plan ahead. Let’s dive in!

Winter fun can get expensive fast—gifts, outings, travel, and last-minute plans all add up.

• Set a Gift Budget Early: Decide how much you’ll spend before shopping so emotions don’t take over.
   
• Track Small Purchases: Hot chocolate runs and online deals seem small, but they add up quickly.
   
• Use Cash or Debit for Extras: It’s easier to stick to limits when you see money leaving your account.
   

A new year is the perfect time to build better saving habits.

• Try the “Pay Yourself First” Rule: Save a portion of any holiday money or paycheck before spending the rest.
   
• Open a Dedicated Savings Bucket: Label it for something specific—college, a car, or investing.
   
• Make It Automatic: Even $5–$10 a week saved automatically builds consistency.
   

You don’t need perfect timing to start investing.

• The Idea: Invest a fixed amount of money regularly, no matter what the market is doing.
   
• Why It Works: You buy more shares when prices are low and fewer when prices are high.
   
• Who It’s Best For: Beginners who want a simple, low-stress way to invest long-term.
   

Interest rates don’t just affect adults—they impact students too.

• Higher Rates: Savings accounts earn more interest, but borrowing becomes more expensive.
   
• Lower Rates: Loans are cheaper, but savings grow more slowly.
   
• Why You Should Care: Interest rates affect student loans, car loans, and even credit cards.
   

Q: I got money as a gift—should I save it, spend it, or invest it?

A: Try splitting it into thirds: save one part, invest one part, and spend one part. You’ll enjoy your money now and build smart habits for the future.