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for desired items to ensure they're financially literate BEFORE they get their first job or credit card! TEACHING KIDS HOW TO SAVE IN A DIGITAL WORLD. In a world where money is often a digital transaction rather than cash, it’s time to Setting financial goals isn't easy, especially for college students and recent grads. So we've added a tab to help young ad*lts prepare 'Northwestern Mutual' is the marketing name for The Northwestern Mutual Life Insurance Company, Milwaukee, WI and its subsidiaries and Martha Washington is the only women whose portrait has appeared on U.S. currency. It may seem silly to buy a winter coat in August, but you can save a lot by purchasing off-season items online. Keep a money diary that tracks what you save and spend. It will tell you about when, why, and how you use money. When you buy a stock in a company you become a shareholder, and own a 'part' of that company. Making a big purchase? Do your research at the library and online to make sure you are getting the best price. When you're shopping, avoid impulse purchasing. Make a list. It an item's not on the list, don't buy it. Coins usually survive in circulation for about 30 years and a one dollar bill usually lasts for about 18 months. Almost half, 48 percent, of the notes printed by the U.S. Bureau of Engraving and Printing are $1 bills. Looking for some low cost activities for your family? Check out the community calendar at the local library. If you had ten billion $1 notes and spent one every second of every day, it would take 317 to go broke. A quarter has 119 grooves on its edge, a dime has 118 grooves, according to the U.S. Mint. When you use a debit card, money comes out of your account immediately. It's like cash, not like a credit card. There are many ways to help others: you can give money, your time and energy or items you no longer use. The word budget comes from the French bougette, a little bag. Despite the New York Stock Exchange's notoriety, it was not the first stock exchange in the United States.