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Future-Ready · Financial Literacy

Smart & Safe with Money

Be a SAVVY, SAFE consumer — compare prices, see through ads, and spot scams (if it's too good to be true, it probably is!).
🚩Spot the Scam: Red Flags on Your Phone
⚠ Unknown Sender pr1ze-winner@b0nus.xyz 🎉 YOU WON a FREE iPhone!!! 🚩 ⏰ Act NOW — offer ends in 5 min! 🚩 Send your PASSWORD + $20 to claim your prize 🚩 tap-here-now.xyz 🚩 DELETE & BLOCK
🚩 4 warning signs of a scam
🎁Too good to be true: a free prize you never entered to win. Real life doesn't give away iPhones to strangers.
⏰Rushing you: "Act NOW!" pressure stops you from thinking. Real offers can wait.
🔑Asking for secrets or money: a stranger wants your password or cash. Never send either.
🔗Sketchy links & senders: odd web addresses and misspelled names. Don't tap — delete it.
When in doubt, stop and ask a trusted adult before you click, reply, or pay. Slowing down beats getting tricked.
💳Credit: Borrow Now, Pay More Later
🕐 NOW · BORROW 💵 + $100 money you get today ⏳ time passes 🕓 LATER · PAY BACK $100 (borrowed) + $10 (interest) = $110 total 💸 Credit costs extra! that extra = interest Borrowing $100 today means paying back more than $100 later.
Credit can help in a pinch — but the longer you take to pay it back, the more interest piles on. Pay it off fast!
💳 Borrow = a promise
Using credit means you're borrowing. You must pay it all back — plus interest. Money you still owe is called debt.
🏷️ Smart spending
Whether you pay cash or credit, compare prices first so you don't overpay — and only buy what you actually need.
🛒In Real Life: Compare Before You Buy
Same backpack 🎒 — two different stores. Which is the better deal? Store A $12 pricier 😕 vs Store B $8 better deal ✅ ⭐ Comparison shopping saves you $4! 💰
Don't grab the first price you see. Comparison shopping means checking a few stores (and reading the ad's fine print) to find the real best deal.
🔑Key Terms
💳Credit Borrowing money now with a promise to pay it back later — usually with extra added on.
📉Debt Money you have borrowed and still owe. The more you owe, the more you must pay back.
💸Interest (Cost of Borrowing) The extra money a lender charges you for using credit — the price of borrowing.
🛒Comparison Shopping Checking prices at different stores for the same item to find the best deal.
🎣Scam A trick that tries to take your money or secrets by lying — often a fake prize or urgent demand.
🛡️Online Safety Protecting yourself online — never share passwords, don't click sketchy links, and ask an adult.
⭐ Remember: if a deal looks too good to be true, it probably is — slow down, compare prices, and never hand a stranger your password or money!
✏️ Future-Ready Anchor Chart · Smart & Safe with Money
From ClickClass — hundreds of free printables at clickclassedu.com/printables