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Decision Making

Youth may experience financial pressures from the following life-cycle events:
• Education
• Marriage
• Childbirth
• Taking care of family
 
To overcome these challenges, young people may need to make a variety of financial decisions, which may include the following:
• Postponing unnecessary expenses and studies
• Increasing the amount of part-time work or finding seasonal work
• Selling additional crops (in an agrarian-based society)
• Migrating
• Saving at home or with another person
• Saving in kind (animals); selling animal or things
• Borrowing from friends, family, or a local shopkeeper
• Borrowing from an informal association
• Drawing on community assistance or mutual help (AIM Youth - Mali , AIM Youth - Senegal)
 
Development practitioners must cater their interventions to the decision making patterns and behaviors of youth in spending, saving, and borrowing money. 
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