1396 proof #1client: WSCUproj: Youth in Action newsletterdate: Dec 10/05

trim: 17 x 11”quantity: 7,500Approved: Apr 6/06 NS

CYANYELLOW

MAGENTABLACK

We want to hear from you. Send us your success

story about managing money or making a difference.

Your story may be featured in a future newsletter.

You may inspire other young people to take action.

Enter by December 15, 2006 for a chance to win exciting prizes!

Include your name, address, credit union branch and age.

Email to: youthinaction@wscu.com or mail to:

Youth in Action, Westminster Savings Credit Union,

Unit 406 – 960 Quayside Drive, New Westminster, BC V3M 6G2

Send us your entries!

Do you have a Success Story?

i n A C T I O N Youth i n ACTIONW I N G R E AT P R I Z E S B Y

TA K I N G T H E P O W E R P L AY C H A L L E N G E !

printed on 10% recycled post consumer paper

i n i n A C T I O NA C T I O NYouth

parentsWe want to hear from you. Send us your success

story about managing money or making a difference.

Your story may be featured in a future newsletter.

You may inspire other young people to take action.

Enter by December 15, 2006 for a chance to win exciting prizes!

Include your name, address, credit union branch and age.

Email to: youthinaction@wscu.com or mail to:

Youth in Action, Westminster Savings Credit Union,

Unit 406 – 960 Quayside Drive, New Westminster, BC V3M 6G2

Do you have a Success Story? Creating Success In the last newsletter, you were challenged to make your own money management system using the PowerPlay Money Model.

Congratulations to everyone who entered the challenge and took steps towards success. Check out the winners inside . . .

In This Issue• Find out how to be in control of your money

• Learn expert saving strategies that can help you achieve your goals.

• Discover simple tips that will help you be happy with your spending decisions.

Look inside for more information . . .

Take Action

Enter the current PowerPlay Challenge by December 15, 2006 to win exciting prizes!

Read on for the PowerPlay Challenge . . .

Two times per year, Youth in Action™ offers

a PowerPlay Challenge with exciting prizes

specially chosen for three different age groups.

Review the challenge details and encourage

your child to complete it on time. The deadline

to enter is December 15, 2006!

Help your child take action by discussing his

or her savings goals and spending choices.

Encourage your child to make decisions and

treat “mistakes” as learning opportunities.

Free Resources

Youth in Action Money Planner – A practical tool that introduces the PowerPlay Money System.

Kip and Zara’s Money Adventure” – An engaging picture book that teaches members ages 8 and under about important money concepts.

Classroom Challenges – Curriculum-based lesson plans related to fi nancial and social responsibility. Request a brochure at youthinaction@wscu.com.

ISSUE 3

“

$3 billionS M A RT S P E N D I N G

Did you know that Canadian youth spent over $3 billion in 2005?

Many companies spend large amounts to convince young people to buy their

products. Some advertisements can make people feel they need those products to be happy. Are you being infl uenced by advertisements?

Be in control of your money by using these PowerPlay Spending Tips:

1. Know what you want.• Keep a list of things you would like to buy near your Spending Pot.• Decide what to buy and how much to spend before you go shopping.

2. Set goals and work towards them.• Write down what you want, how much it costs and when you’d like to buy it.• Whenever you get money, put some into a special Spending Pot for this goal.

3. Think for yourself.• Stick to your goals and don’t be swayed by ads.• Don’t buy something just because it’s a brand name or on sale.

Take action and be a smart spender.

Find the section for your age group to take the PowerPlay Challenge.You’ll fi nd details about your challenge, the prizes you can win and how to submit your entry. Good luck and have fun!

Entry deadline is December 15, 2006!

The PowerPlay Chal lenge

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Share your money smarts.

Invent a way to teach others how to achieve a savings goal. Draw a diagram, make an art project or simply write a description of your ideas.

Send in your project to be entered into a draw for the prize below. Include the information on the back page of this newsletter.

Prize: You can win $200 cash to go towards one of your goals. Your ideas will also be featured in the next Youth in Action™ newsletter.

Help others think for themselves.

Consider advertising techniques and create a unique way to teach other youth to be more savvy consumers. You can use a poster, essay, diagram or video to explain your ideas.

Send in your project for a chance to win the prize below. Include the information on the back of this newsletter.

The winning entry will be chosen based on originality, creativity and effort.

Prize: You could win a $300 gift certifi cate to Future Shop. You will also have a chance to suggest how your idea could be used to help other youth members.

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to Future Shop. You will also have a chance to suggest how your idea could be used to help other youth members.

kids agES 8 & under

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3

Pretend you’re a money expert.

Make up your own tip for spending money wisely.

Create an art project to show how your tip can help. You can make a drawing, poster, song or poem.

Send in your artwork with the information on the back of this newsletter. It will be entered into a draw for the prize below.

Prize: You can win a $200 gift certifi cate for Toys ‘R’ Us, plus a chance to teach a WSCU money expert how to spend money wisely.

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Here are the winners of the last PowerPlay Challenge:

Katherine Widmer (top left), age 7, of New Westminster entered a colourful drawing of her new money management system into a draw. She won $100 and an ice cream party for her and 10 friends with the author of “Kip and Zara’s Money Adventure.”

Kaitlin Fuller (bottom left), age 12, of Maple Ridge won $200 for designing her own system for managing money. She would like to donate money to two hospitals and save for a vacation.

Jordan Wallis (right), age 14, of Coquitlam won $300 and a meeting with a WSCU fi nancial advisor. When Jordan earns money, he saves 20%, gives 20% to charity and uses the rest for spending.

W I N N E R ’ S C I R C L E

ages ages 1313-1-188TEENS