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"Remember to make sure you handle your money responsibly and create a budget."
"Mom, I was wondering if I could use my checking account tonight."
"Sure, go ahead."
"I was also wondering if I could go to the mall with Courtney."
"I'm going to use my checking account to buy some stuff here at the mall."
"You should really save more of your money instead of spending it all. You know, you should make a budget. It can help you organize your saving and spending, and will keep you focused on your money goals."
That seems like a lot of work...
"I just got a letter from the bank saying you spent more money than you had in your checking account. Did you create a budget like I told you?"
"I guess I'll try to make a budget to help myself keep track of my money."
"Now I know that making a budget can help me avoid spending money on unnecessary items that do not belong within my budget goals. Along with helping me control my money, it also helped me stay out of debt, reduce stress, and divide my money into financial topics and goals."
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