Life will always be full of things to spend your money on. Some things are small and don't cost much money - like a chocolate bar. Sometimes, you may want to buy larger items that you will have to save up for - like maybe a cell phone or an MP3 player. The best way to learn about money is through practice. With help from a parent, you can develop good saving and spending habits.

At CIBC we've got the SmartStart Program to help you learn important things you'll need to know about managing your money.

• Our Premium Growth Account with Youth Benefits will help you keep track of your savings easily
• To see how you can make your savings grow even faster, check out the CIBC Save-Up GIC™
• Your parents might want to learn about RESPs, a great way to help save for your education

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