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iPAY BACK
Make a Plan to Pay Back the Money You Borrow
When you borrow money from someone, even if you borrow from someone in your family, you need to decide when you have to pay it back. The 
best thing to do is to work out a plan with the lender. Put your plan in writing, so both of you will remember what you agreed on.
Your plan should include these things:
- The amount of money that you’re borrowing
- How many payments you have to make
- The amount of money each payment should include
When you decide these things, you will know how long you have to pay the money back.
For example, if you borrow $50, you can pay back $5 each week for 10 weeks. Or you can pay back $25 each month for 2 months.
Whatever you and the lender decide, you must pay the money back when you promise to do so. Otherwise, your lender won’t want to loan you money any more.
Talk it Over
Your parents probably borrow money for at least two things—your family’s house and car. Or maybe you have an older brother or sister who’s bought a car. Talk to them about how important it is to pay back money on time.
