Saturday, April 9, 2011

My Perfect Money Spender Plan

Once at the library, I found a book about money. I read it and decided to start my own budget. So I saved and saved and saved and saved my money, and I've finally got myself about $200. And these are my perfect plans to spend it:

First, I earn my way to $250-$300 by spending my summer tutoring younger kids. Then, I save at least $15 in allowance. How am I going to spend it? I'm getting to that.

Okay, so I have two most favorite catalogues to buy from. Our monthly Build-A-Bear catalogue, and American Girl magazine. If I get to $250, these are my plans: I'll spend $50 on American Girl and $40 on Build-A-Bear. That leaves me with $160.

If I get to $300, these are my plans: I'll spend $50 on American Girl and $60 on Build-A-Bear. That leaves me with $190.

And if I just happen to make it to $310 (which I seriously doubt.), I'll do the same thing as I'll do with $300, except I'll end up with $200 in the end.

So those are my plans. And one more thing. A reader asked what my Derby car looked like, so here it is!


I designed my car to look like my Build-A-Bear, Pinky. Here she is!


Thanks for all the comments! I love hearing from you. Please be sure to come back and read my blog again!

33 comments:

  1. That is a great spending plan. :) And your derby car looks great!

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  2. We absolutely love the American Girl catalogs at our house, even though my youngest daughter is now 16! Good luck with your savings/spending plan!

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  3. You have an amazing savings plan! I hope you reach your big goal! Also great job with the derby car! I can't wait to see how you do in June! Good Luck! BTW- Thanks for starting post again. I really enjoy reading them!

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  4. Bee, it sounds like you are learning a lot about money! So exciting to read about your plans to earn and spend! Keep up the great writing.

    -Carrie in Montana

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  5. What a great earning and spending plan! It's nice to see someone so young understanding and using money wisely, which I'm sure has a little to do with your family :). I think it's great that you plan to tutor younger kids, too. Well done!

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  6. Cool Bee! What is an American girl?

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  7. Wow Bee. What a great plan you have. Sounds like you will get some great stuff regardless of how much you save. I think tutoring would be a great way to make extra money. I'm sure you will be an excellent tutor.


    You are a very lucky girl to have such great parents. They are truly setting a wonderful example for you.

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  8. Great Blog Bee! I love seeing how creative you are in figuring out how you want to spend your money. We love build a bear at our house too! So many fun things to buy. I also love your derby car! Very creative.
    Thanks for blogging again. You do a fabulous job. HAve a great weekend.
    Renee in Snowy Utah!!

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  9. My daughter is turning 6 this month and she is very excited! She usually gets a few dollars from her grandparents so she loves to save it in her piggy bank!

    Jessica from Houma, LA

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  10. Bee, I think it's awesome that you're already learning how to save and budget your money. Keep up the good work and I'll be happy to hear how you do this summer.

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  11. Dear Bee: I recently read in another blog about being successful. The blog writer said if you can make $200, you can probably make $310. I'd say you are a very determined young business person who likes to work and save your money for things you truly value. Keep your eye on the prize. I love that you started blogging again. I have a 10 year old grand daughter who I think would enjoy reading your blgo and maybe she'll even start one of her own. I hope you keep blogging!

    Susan in Washington

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  12. what a thoughtful plan to spend your well saved money.....It reminds me of my childhood when I used to save money and plan to spend them wisely...and I loved your Derby car..its great..keep saving and keep creating...Good Luck

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  13. Bee,
    Your saving/spending plan sounds perfect! It is always more fun to save if you have something special planned to save it for. I hope you make it to $310. Good luck!

    Lora in California

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  14. Lisa in Miami, FLApril 9, 2011 at 6:50 PM

    I think your car is awesome!! You seem to have a great saving plan! It is very inspiring to see you set such great goals. Way to go, Bee!!

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  15. I can't wait to see you meet your savings goal! I love that your mommy and daddy are teaching you to save your money for a goal you have in mind. Your derby car looks great! Keep writing, Bee!

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  16. You have some great and fun plans! Good luck on your saving and spending!

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  17. Wow, that is a great plan. Are you keeping the extra money as an emergency fund, or do you have future plans for it? Keep up the great work!

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  18. Wow! You have a great plan for your money! Please show us pictures of what you get!:)

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  19. Thanks to all who commented! Leslie, yes, I am keeping some for emergency funds. Emma, American Girls are dolls that are very expensive. DLaCroix, thank you for the inspiration, and Mary, I'll be sure to show you what I get. Thank you!

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  20. Great spending plan! I wish I had learned how to budget sooner, I still have a hard time remembering to save for the things that are most important to me. Good luck!

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  21. Bee, I LOVE American Girl! I got one for my niece for Christmas, but I so wanted to keep it for myself! I got her the Kirsten doll and she loved it. I also take her and her brother (my nephew) to build a bear every year for their birthday. I'm a good auntie! :)

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  22. You're so smart to have a savings and spending plan! My daughter will turn 5 this fall and she'll get to go to Build-A-Bear for the very first time! Keep up the great writing!

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  23. Well done Bee! you have a great plan in place! Good luck, and I hope you make it to $310 :)

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  24. What do you plan to do with the money you have left over? A friend of mines son just did a derby car race and his car was the Rock star bus from Jimmy Newtron.

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  25. Good luck with your savings plan Bee =)

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  26. Thank you all for commenting! I really like hearing what you have to say. MrsKD, I plan to keep some money as an emergency fund and save the rest. Kelsey, I will try my very best to keep on writing daily, and one tip for your daughter, choose wisely at Build-A-Bear. And Angie, yes you are a good auntie! Again, Thank you for commenting! Bee

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  27. Don't forget to ask your mom to help you shop yard sales, consignent, or online for less expensive American Girl/Build-a-Bear items so you can grow your collection even more! Unless there are very special items only in the catalogues of course.

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  28. Bee,

    You sound just like your Mama :) Good luck girl!

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  29. Good luck with your savings plan. Your car looks great! Rebekah

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  30. Daddy and I are very proud of you for saving your money and working hard toward your goals. Way to go, Bee!

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  31. Great idea--love to hear about the tutoring effort.
    My granddaughter is 5 and just learning about saving her money.
    She just bought 2 build-a-bears at a garage sale this weekend--she was so excited.

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  32. That's a great savings plan and an amazing derby car!!

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  33. Hi Bee - My daughter is a little younger than you (5) but her two favorite stores are also Build a Bear and American Girl. She loves to get the catalogs. I love your savings plan. Work hard and you will get there. Good Luck to you. Keep writing because we love to read your stories!!

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