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This Concept Map, created with IHMC CmapTools, has information related to: Resources for Smithers - Financial Literacy, Working and Earning having good work ethic, Banking Basics Understanding Checking Accounts, Cash vs.Credit Financial Literacy Taxes, Cash vs.Credit Financial Literacy Types of Budgets, Taxes Roles of Luxury/Entertainment, Cash vs.Credit Financial Literacy Goods and Services, Making Economic Decisions Opportunity Costs ????, Cash vs.Credit Financial Literacy Working and Earning, Taxes Roles of Income, Working and Earning difference between Wage vs. Salary, Banking Basics Other tools Debit Cards, Savings Accounts interest grow savings, Taxes Roles of Property, Working and Earning identifying Personal Skills and Interests, Making Economic Decisions weighing costs vs. benefits, Banking Basics Understanding Savings Accounts, Banking Basics Other tools ATM Cards, Types of Budgets ???? Periodic, Types of Budgets ???? Discretionary Spending, Bills paying through Electronic payments