| Getting It All In Order |
| By Lauren Pahnke |
 Learning to save your money at an early age is one of the most helpful tools in life and will lead to success. My name is Lauren and I am 15 years old. I always had a savings account at my credit union but never really paid much attention to it or even used the account. Before about a month ago I had a total of about $5.00 in the account. Recently though, I set up my nCharge™ teen account. That was an easy start to something big. It was especially good in my situation because I am starting my first job. All right, I know enough about me, but here is the important part about how my credit union helped me manage my money.
When I got the account I first thought it would be a way access my money more easily, so I could spend it faster on clothes and other material things that I really do not need. Now that I get tips and a regular paycheque through work, I have money coming in that I can save for college, a car, and other things. Now that I have the account, I make regular deposits. I feel like I have a lot more responsibilities coming into my life right now and the nCharge™ account is something that just makes the financing easier. Now that I can deposit, withdraw and even check on my account at home, I have improved my money managing skills. I look every week at what I have to pay, like cell phone bills, money owed to my mom for tanning and other things that come up. I also set aside $20 a week for things I might want to buy. Daily, I also save a portion of my money and make sure I do not spend it, so I will have more money in the future. Now that I have learned to manage my money, I realize that I’ve overcome a great hurdle and have skills that I will need to use in the future.
nCharge™
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