Writing Narrative

I am learning to write a narrative story.
I'll know I can do this when my stories have:

- Character - Setting - Introduction - Problem - Climax - Conclusion - Descriptive language such as smilies and metaphors - Character speech using speech marks.

"This is my narrative plan.

This is my narrative I have been writing. It is about running out of money.

Something I learned was to make it exciting.
Something I found hard was to spell words correctly.