Budgeting

There are many ways to spend your money. Should you buy that new book you’ve had your eye on or save up for a weekend of fun with friends? There’s a simple way to help decide: Make a budget — a plan for spending and saving money. This badge will help you learn to create a budget that’s right for you.

1. Practice budgeting for your values
2. Learn to track your spending
3. Find out about ways to save money
4. Explore different ways to give
5. Create a budget that focuses on your values

When I’ve earned this badge, I will be able to keep track of my money, save for the things I need and want, and help others by giving.

Earned by Scouts.

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Business Owner

Do you have a passion for fashion? Are you kooky about cooking? Or maybe you’re just wild about animals? With this badge, you’ll find out that it’s possible to turn something you love into a successful business!

1. Explore a business you might like to start someday
2. Learn the basics of running a business
3. Find out what kind of support is available for small-business owners
4. Investigate what makes great customer service
5. Understand the importance of consumer research

When I’ve earned this badge, I’ll know the basic steps to plan and create a new business

Earned by Scouts.

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Buying Power

It might be tomorrow. It might be a year from now. Or it could be 10 years away. Someday, you will want to make a big purchase that you’ll end up paying for over time. It could be a cell phone with a monthly service plan; a new car, which comes with loan payments; or even a new home, which includes a monthly mortgage payment. By earning this badge, you’ll understand the long-term impact of making a big purchase, and how you need to be prepared to keep paying for it long after you’ve started to use it.

1. Compare costs and options
2. Conduct consumer research
3. Calculate the long-term costs
4. Investigate ways to find better deals
5. Create a savings plan for a big purchase you’d like to make

When I’ve earned this badge, I’ll know how to research and budget for a big purchase for myself or my family.

Earned by Scouts.

Comparison Shopping

From cardigans to cars, you can buy just about everything online these days. Even if you end up buying an item in an actual store, you can use the Internet to compare prices and find the best deal. Although online shopping is convenient, there are certain things to know so you can make sure that you’re paying a fair price and don’t fall victim to a fraud!

1. Learn to comparison shop
2. Find out how to use online reviews
3. Check out the fine print
4. Investigate how to avoid online fraud
5. Know how to manage your online shopping!

When I’ve earned this badge, I’ll know how to go online to find the best deals on the best products in the safest way possible.

Earned by Scouts.

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Financing My Dreams

When you daydream about your future, what kind of job do you think you might have? Do your daydreams include owning a home or traveling the world? Now’s your chance to dream — and dream big! By earning this badge, you’ll explore how your dream job and dream life really match up.

1. Explore dream jobs
2. Price out buying your dream home
3. Research dream vacations
4. Make a dream giving goal
5. Add up your dreams!

When I’ve earned this badge, I’ll know the realities of budgeting and how to practice financial habits that will help me in the future.

Earned by Scouts.

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