OVB Boot Camp brings financial fun to 4-H

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Campers learn how to budget with candy.

Summer and 4-H camp go together like peanut butter and jelly. Ohio Valley Bank was pleased to once again teach a class at Mason County 4-H Camp this year. The class, OVB Boot Camp, was offered at both older and younger camps.

OVB Boot Camp has become a tradition in Mason County 4-H, and several campers returned to enjoy this year’s class. In addition, several new campers participated as well. In total, 21 campers completed the program.

“I really enjoy seeing familiar faces return and choose to take our OVB Boot Camp class each year. It’s nice to see their progress. It’s especially enjoyable when a camper moves up from younger to older camp and continues to take the class. We really get to know many of these kids and it is so much fun seeing them learn and grow,” Hope Roush, OVB financial literacy leader, said. “I also enjoy welcoming new campers into the OVB Boot Camp family. I really like seeing the veteran campers take an active role in helping the first-timers because it again shows me how much they’ve learned.”

OVB Boot Camp covered a variety of financial topics at both camps. Lessons were presented in a fun, interactive format. For example, students had to make financial decisions based on a candy budget. Additional lessons and games included the following:

  1. Basic account types
  2. Basic bank paperwork, including check writing as well deposits/withdrawals
  3. Interest
  4. Debit vs. Credit
  5. Budgeting

Along with each daily lesson, campers participated in a game where they had to juggle a mock portfolio of their bank accounts. Each day they drew a Real Life Card, which either required them to pay a bill or provided them with unexpected cash. Campers also had an opportunity during this time to make deposits and withdrawals from their accounts. In addition, campers could choose to give in to their sweet tooth temptation and spend their money on snacks or continue to save. This year’s older camp portfolio winner was Olivia Stanley, while Audrey Reynolds took top honors at younger camp.

On the final day of both camps all accounts were liquidated. Campers had the opportunity to use their mock money to bid on real prizes at the annual OVB Boot Camp auction. Everyone was able to purchase at least one fun item. Prizes included a range of snacks, toys, games, movies and gift cards. Campers were excited to take home all of their purchased prizes.

“The auction is really fun for our campers, but more importantly it’s where they really see the importance of saving money and making wise budget choices. They quickly learn that the kids who practiced those skills have the advantage as they are able to provide the highest bids for the more popular prizes. It’s another way to really show them the value of money in a semi-real world setting,” Roush said.

Both older and younger campers did a great job this year. Campers showed how much they learned every day with banking trivia and other activities. Camper Molly Fisher has taken the OVB Boot Camp class many times and said that she always learns something new.

“In OVB Boot Camp I learned about investing in the stock market, money market accounts, certificate of deposits and much more. The valuable knowledge I have gained in this class will help me with my future endeavors. This class was very beneficial to me,” she added.

Camper Lyndsey Ward, like Fisher, is another camper who has participated in OVB Boot Camp multiple times. As this was Ward’s first time in older camp, she said she was able to learn even more money management skills.

“I also learned about credit and debit cards. This is my favorite class and I learned the most here,” she added.

Camper Riley Oliver described OVB Boot Camp as a good place to learn the importance of budgeting.

“I learned how to control my money. I learned how to work with banks on loans and other things. I also learned about how interest works with credit cards,” he said.

Camper Kate Henderson agreed that learning about budgeting was important.

“In OVB Boot Camp I learned how to manage my money. I learned the different types of accounts you can have and the rewards and consequences of each. I also learned how to write a check and how to do deposit and withdrawal slips,” she said.

Camper Aiden Wallis said the budgeting game was fun because it made him appreciate his parents.

“I had to think about what my parents spend and pay each month,” he said. “I also learned how to save money and how you need to pay for insurance.”

Credit vs. Debit was an interesting lesson for Camper Cara Russell.

“I’ve learned a lot in OVB Boot Camp. One thing I learned was the difference between debit and credit cards. I also learned some of the downfalls you can encounter with a credit card. This class was really fun and I’m ready to come back again next year,” Russell said.

OVB Boot Camp was created in 2005. To schedule OVB Boot Camp or for more information on the bank’s other financial education programs, contact Roush at 740-578-3452 or e-mail hdroush@ovbc.com.

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