01 Nov

Are You a Spender or a Saver?

Do you like to spend your money fast, or save it for a rainy day? Answer these questions to find out if you’re a spender or a saver.

1. When you get money for your birthday, you:
a. head to the store.
b. save it in your piggy bank.
c. buy one thing you want and save the rest.

2. You see a toy you really want at the toy store for $50. You see a similar toy for $30 in a different store ad. You:
a. buy the original toy. It’s more money, so it must be better.
b. decide not to buy either toy and save your money for something else.
c. look at a few other stores to compare prices.

3. You are walking along the street and see something green. You pick it up and it’s $20! You:
a. walk into the nearest store and buy all you can.
b. put it in your piggy bank until you can go to your credit union.
c. stick it in your wallet until you see something you really want..

HOW’D YOU DO?

If you chose mostly A answers, you’re a spender. You like to spend your money and rarely save it for later.

If you chose mostly B answers, you’re a saver. You like to save your money for a rainy day or something special.

If you chose mostly C answers, you’re a thinker. You may enjoy spending some money, but you think about things first.

Do you want to change your spending habits? Maybe you’d like to put some more coins in your piggy bank. Try saving half of your money and spending half, rather than spending it all. Deposit it in your Navvi-Gator Super Saver’s Club account to keep it safe and sound.

01 Nov

Gift IdeasGet Creative for the Holidays!

The holiday season is about spending time with the people you care about. It’s also a fun time to give gifts. Sometimes it’s hard to think of gifts for adults. Here are some creative gift ideas that don’t cost a lot, but can mean a lot. They can be special surprises for your teachers, parents,
grandparents, aunts and uncles!

Colorful chip clips. Turn plain clothes pins into mini works of art that are useful, too. Use markers or paint to color them, or add stickers. The clips can be used to keep bags of chips and pet food closed.

Cookie and tea set. Fill a mug with some tea packets and a nicely wrapped bag of cookies. Ask your mom or dad if you can help make cookies for gifts!

Tote bag designed by you. Check craft stores for plain white canvas bags. You can use fabric markers to draw pictures on them. Let the person you give a tote bag to know it can be used in place of paper or plastic bags at a store.

IOU coupons. These are great gifts for parents. IOU stands for “I owe you.” Make coupons that say you’ll clean your room, empty the dishwasher, clear the table and more. Also add some coupons that are good for hugs!

SAVE FOR SOMETHING SPECIAL

Navigator can help you save money for gifts, and help you save money you receive as gifts too. Make a deposit to your Navvi-Gator Super Saver’s Club account, and we’ll keep it safe!