Learn, Save, Budget
Meet the “W” Family
by
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It is important to LEARN as much as we can (from the cradle to the grave) and to be able to handle our well earned money to have a happy, satisfied, and enjoyable life. Without people, money can be useless. It will be part of us for a long time or until we leave this planet. It is important to learn to SAVE money from an early age whether it be for an account opened at the school bank where it is in operation or opened as a trust account by the parent or guardian in some other instrumentality. A BUDGET used as a help mate is also important if we are to reach our goals through saving money. It is considered advantageous to bank money with the same organisation if the need arises to seek a loan for that special purpose later on in life. That special purpose may be to build or buy a home, buy a car, go on a holiday or something else. It pays to be vigilant and shop around if necessary for the cheapest lender also. Be aware that the higher the rate offered on investments, the higher the risk. It is wise to “w” - double (“U “) you’re money if you can. MEET THE “W’ FAMILY The “W” family consists of several members and you are about to meet them. Their names are – WHO – WHY – WHEN – WHERE – WHAT - WILL, and WHICH. Who do we save money for? Why do we save money? When do we save money? Where do we save money? What do we save money for? Will I be able to save enough money for the future or retirement? Which bank or organisation will I use? Read the whole book and you will meet the “W” families friends too such as “ wait ” and “ wisdom “ to name two of them. It is also important to live within our means. It is suggested don’t spend more than we earn either. It is always wise to “ W - U “ - double your money if possible. The questionnaire is considered a helpful guide and the book covers answers to each question required to learn or gain an education about Australian money also. ( REFERENCE - THE QUESTIONNAIRE IS ATTACHED ). The poetry printed at the back of the book is an added feature. Overall, much could be said about Australian money. I was inspired to write this book as an education for all persons, both young and old within the guidelines available to me. I wanted to pass on my knowledge about money obtained from study and practical experience gained while working with the same bank over many years. I had such a diversified banking career. This gave me an opportunity to make a contribution to all people, both young and old who live in our society. I wanted to assist the younger generation to learn, save, budget and appreciate money matters for a happy and satisfied future. After all, I spent four years of my banking career travelling the State of Queensland to visit schools and remind students about the importance of money and to inculcate the habit of thrift. It is hoped that by reading my book and being money wise, it will be beneficial and knowledgeable towards one’s journey through life no matter how short or long life may be. Remember, the world is a school room, life an education, and we never stop learning.
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About the Book
The purpose of writing this book is to encourage young people from the earliest possible age and all persons to save some money for the future and to complete a budget as a helpmate. By doing so, your journey through life at different stages should add happiness, satisfaction, contentment, and comfort. It is hoped that, from the cradle to the grave, one will never stop learning about the values of saving some money each week, accompanied by a budget. We must become conscious of wise saving and wise spending. The school bank, where it is established, is a safe place for the young students to start. For others, it could be another financial institution. As you are aware, we are turning towards a cashless society. No matter how long we ride this planet, money will be a constant companion and will always be part of us. A budget can be a helper. Changes to our money system in the future is something we all have to live with no matter what. The world is a school room, life an education. We never stop learning—even about money. Good advice to help us all is to save some money wisely (and preferably on a weekly basis) and to spend it wisely using a budget as a helpmate. May reading this book be advantageous and an education about the money you earn.
About the Author
The author was employed with the one bank for forty-three years. The author gained honors from a technical college in bookkeeping and accounts. The author studied several other related banking subjects. You can’t beat on-the-job training in both the savings and trading banks—postage clerk; ledger keeper; examiner; teller; note issue teller; enquiry clerk and supervisor. The author also conducted searches at the titles office in Brisbane for home loans. His promotions eventually included school liaison officer, agency liaison officer, arrears officer in the home loans department—senior relieving officer and business development. The author was mainly attached to administration. As a senior relieving officer, the author acted as a senior supervisor, branch accountant, and relieving manager. Lending money was part of it. The author trained bank staff, merchants, and their staff in EFTPOS and ATM procedures. The author seconded to charge card services limited for six months to introduce Bankcard into Queensland. The author also opened many Christmas club accounts while acting as Santa for one month. Lastly, he was appointed a business development officer attached to Card Centre Brisbane due to restructuring of the bank. The author finished his banking career as a contractor to Card Centre Sydney and two other Sydney-based companies. The four years as a school liaison officer gave the author opportunity to travel throughout the state of Queensland and visit many schools. It was his role to inculcate the habit of thrift to students, reminding them of the importance of budgeting. Students appreciated being shown overseas currency also. These four years were enjoyed immensely. It was, practically, a marvelous, diversified banking career. Consequently, the author was inspired to write this book.