Once upon a time there was a little girl named Encee Bee. One day Encee was watching the TV and saw a Wendy Doll. Encee really wanted the Wendy Doll, so she asked her mommy, Mommy Bee, if she could buy it for her. Mommy Bee said, “I cannot buy it now but I will help you save towards it.”

Every day, Encee would save a little of her lunch money and put it in her secret hiding place. Three weeks later, Encee checked her secret hiding place and found that she had only saved $1000 so far. Discouraged, she went crying to her Mommy, who simply said, “One, one cocoa full basket.”

When Encee asked her what that meant, MommyBee smiled and said, “Keep saving.” Encee wassad and screamed, “But I want it NOW.”

Three more weeks passed and during that time Encee put every bit of extra money she got in her secret hiding place. She got money from Grandma Bee who visited from England and Daddy Bee gave her ‘a change’ for helping to wash his car. She even saved her Sunday ice cream money!

One day Encee was counting her money andscreamed, “Mi rich, mi rich!.” When she finishedcounting she had saved almost $5000. She ranto her mommy to show her all the savings and Mommy Bee said, “See, I told you, one, one cocoafull basket.”

One, One Cocoa Full Basket

“Start saving for the future you want, it may seem like a small amount at first but it will soon add up”. Nadeen Matthews Blair - Chief Digital and Marketing Officer, NCB & CEO, N.C.B. Foundation

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We are the National Commercial Bank or NCB for short. It’s great to meet you! NCB has been helping persons to save money since August 1977. Wow! That’s a really long time!

We have got some great tips for you. Are you ready to have some fun? Turn the page and let’s begin!

Nice To Meet You!

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WORDS TO

For

You will see many new words in this booklet. Some of these might be new, some you may already know. We’ll explain what these words mean throughout the book-let, so look out for them.

Bank Saving Goal MoneySpend BudgetWantsNeeds WithdrawalDeposit

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Wants and NeedsWhat is a need?A need is something youcan’t live without, likefood, clothing and shelter.

What is a want?A want is something you would like to have, like sweets or television.

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Help Jack to organize his wants and his needs. Write each item below in the box it belongs to.

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Let's Set A Goal

Jack wanted to buy a new football, but it cost $400.This was a big goal, but breaking it into smaller amounts each day made it easier.

Jack decided to set a goal of saving $100 each week for 1 month.

He did it! Jack saved enough money to buy the football.

You can do it too!

How many differences can you find between these two pictures of Jack?

Have you ever wanted to buy something but did not have enough money? Try setting a GOAL and making a plan to reach that goal. With a little patience, you’ll be able to make that purchase.

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YOU CAN DO IT!

What is a big goal you would like to achieve?

My Goal:

Break your big goal into smaller goals.

First:

Second:

Third:

Fourth:6

What is a deposit?Putting money into your bank account is called making a deposit.

What is a withdrawal?Taking money out of your bank account is called making a withdrawal.

Get your money to the bank without spending it!7

What is a budget?A budget is an amount of money that you can spend while saving. You set your own budgets.

Lucy has set a budget of $100. Can you help her to shop within her budget? Circle some items that Lucy can purchase without spending over $100.

BUDGET

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Wow! You’ve learnt so much! Let’s revisit the words we’ve gotten to know. Can you fit them into this crossword puzzle?

Saving Goal Deposit Spend WantsMoney Bank NeedsWithdrawals Budget9