Darryl Debtor

“Hey, I’m Darryl Debtor.

Sometimes we borrow money, and that’s okay — as long as we have a plan to pay it back. Learning how to manage borrowing helps us make smarter choices and avoid stress later. Let’s learn how to use money responsibly.' “

The Debt Smart Mission

Learn what borrowing means and how to manage it responsibly.

Mission 1: Understand Borrowing

• Think of a time you borrowed something

  (money, a toy, a book, or a game)

• Answer:

  • What did you borrow?

  • Why did you borrow it?

• Talk about why it’s important to return what you borrow

Mission 2: Make a Payback Plan

• Pretend you borrowed $10

• Create a simple plan to pay it back:

  • How much will you pay back each day or week?

  • How long will it take?

• Write your plan down

Mission 3: Try a No-Spend Day

• Pick one day where you don’t spend any money

• Notice how it feels

• Write down one thing you did instead of spending