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Now a lot of people tend to get into habits that they see everyone else doing. I can tell you the two biggest habits I see at school are coffee and smoking. Now for coffee I cannot say quit cold turkey because a lot of people need there coffee to wake them up and get them started for the day. I was also one of these people in high school. You do end up spending a lot of money, but if you can afford a reusable coffee cup then you can save yourself a lot of money by making your own coffee in the morning! As for smoking once you get addicted it can be hard to stop. It is a very expensive habit. Try to either stay clear to begin with or seek help to stop. Reducing or even stopping both of these habits will leave you with lots of money for you to put into your savings!

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Savings. Factors used to evaluate various saving plans. By: Isaac Guay

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Savings. Factors used to evaluate various saving plans. By: Isaac Guay

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This picture makes me think of my savings account that I have saved my money into over the years. Whenever I add money it grows because since it is my savings I do not like spend any of that money.

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For my project you will learn what to do with the money that you earn paycheck to paycheck or year to year. With that money you will want to be saving a good portion of it (for future purposes of course). Hopefully in places where it will grow and not just sit collecting dust. I have never used Padlet so hopefully this layout makes it easy!
I HAVE COLOUR CODED MY PADLET TO MAKE IT EAASILY ASSESSABLE.
GREEN= IMAGES
BLUE WEBSITES
PURPLE= VIDEOS

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Hopefully this is what all of us will look like when we are old and need our money in order for our medicine and all the enjoyments of life!

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https://www.huffingtonpost.ca/2012/05/14/wasting-money_n_1457291.html
This webpage by the Huffington post is a perfect website to show you exactly how you are wasting your money through habits that are very simple to change. It can help you save lots of money! Bad habits can lead to more bad habits which will cost you even more money. Remember to stay away from bad habits so that you do not end up wasting money

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https://www.youtube.com/watch?v=C8Z0Q3E_RgU&list=PLntcpLfWr3XmEzY4QO_Up5HmVH_ZIZ7OX
This video shows a simple way to save money if you need a place to get started. Just by looking at your bank account every night, or even everyday week you can round your bank account to end in a 0. With that money you can put it in your savings. Or you can end the last two digits of your chequing account with zeros by round down or up. In order for anyone to be able to saving they have to actually put money aside to save.

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https://www.youtube.com/watch?v=8Py8rqQF7_4
This video on YouTube shows the difference between a TFSA (Tax Free Savings Account) and a RRSP (Registered Retirement Savings Plan). It is a very short video but it does a very good job at explaining how a TFSA is a lot better for the long run rather than a RRSP account. The TFSA has a loop hole in it that allows your money not to be taxed when you are taking it out because it is not an income.

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https://www.youtube.com/watch?v=YVaaFVunArc
This video by CBC tells us what the "Magic Number" for retirement is. Surprisingly they came up with the number $756,000. They also mention that 90% of Canadians do not even know how they will save that much money, or even how to save that much money. To me that is a very big amount of money but it does not surprise me that people do not realize that this is the amount that we have to save up for us to live a good retirement.

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https://www.canada.ca/en/services/finance/savings.html
This website is straight from the Government of Canada webpage and tells you everything. Like choosing a financial advisor, setting savings and investment goals, the basics of investing, the rights and responsibilities of savings and investments, savings and pension plans, retirement planning, financial goal calculator, and setting up an emergency fund. This site is very good and it definitely has to be up to date if it is a Government of Canada website!

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https://www.mymoneycoach.ca/saving-money/saving-tips/how-to-save-money
When I was reviewing everything on this website it mentioned things that I do with my own money and my own bank accounts. Like "paying yourself". This means when you get a paycheck or any money that you have earned that you put some of that money instantly into your savings or retirement plan so that you are left over with the money that you can actually afford. I would go one step past that and after putting your money into your savings then put the money you need to pay bills like phone, car& house insurance and other bills aside so that after that then you know exactly what you have left over. That way you never are spending money that you do not have

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To anyone who has any questions or concerns i am adding a column to the right of this column so that you can post any questions that you have and i will try my best to answer the question. Also please let me know of how you thought my Padlet was!

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I like the scrolling mechanism. Very well done, Isaac :)

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I like the scrolling mechanism. Very well done, Isaac :)