41. Teaching Our Children Financial Responsibility it’s also your job as a parent to teach them good money management skills. They were giving me the gift of good money management skills. http://www.finetuning.com/articles/487-teaching-our-children-financial-responsib

FineTuning.com Independent Articles and Advice Login Register Finance Life ... Write For Us Additional Resouces Earn Money Money Making Opportunities Financial Seminars Financial Advisers ... FULL TEXT PAGES: Teaching Our Children Financial Responsibility by Lauri Nawrot June 03, 2005 Just as you taught your child to ride a bike and tie their shoes, it’s also your job as a parent to teach them good money management skills. And make no mistake; this is a skill that needs to be learned. The following article contains some useful tips and ideas to start you on your way to showing your child how to be financially responsible. From my earliest days of childhood, I always remember earning my own money. Whether it entailed earning an allowance by doing chores around the house or getting a part-time job as a teenager, my parents always made sure I knew the importance of money. My family was not well off by any means, so if I wanted something special, like a new pair of jeans or a pretty piece of jewelry, I was expected to pay for it myself. There were times when I thought this to be an unfair arrangement. I often felt envious of my friends who would just ask their mom or dad for an extra $20, just because. But in hindsight, I realize that my parents were giving me a greater gift than money. They were giving me the gift of good money management skills. A gift that has served me well throughout my life and a gift I plan to pass on to my children. The following are some guidelines that any parent can follow to help their own children become good money managers.

42. Parent Tips On How To Teach Money Management For Teens family guide to money management for teens. In a day when laziness is rampant, teach your teens instead the importance of being a hard worker. http://www.peopleoffaith.com/money-management-for-teens.htm

money management for teens Six Steps to Raising Financially Responsible Teens by Mrs. Crystal Paine Covenant Wedding Source In today’s money-driven society, teens are constantly bombarded by magazines, television ads, and peer pressure which make them feel less than ideal if they do not wear the latest clothing style and drive a “cool” car. Briefly visit your local mall and you will observe multitudes of young people who shop as if credit cards have no maximum spending limit. With all this push for extravagance, is it even possible to raise your teens with money sense and save them from making serious financial mistakes? Although I have yet to have teenagers of my own, I was blessed to be raised by parents who taught me from a young age to be a wise steward of money. Let me share some things my parents did to instill in me that money is a limited resource and must be spent with care. 1. Start Early Just because your child is too young to have a real job, does not mean it is too early to start teaching basic financial principles. From the time we were little, we always received an “allowance” from our parents. We only received this money if we had done all of our daily/weekly chores. This taught us that money is not free; it is earned. 2. Set An Example

43. Money Management FOR IMMEDIATE RELEASE July 14, 2003. teach YOUR TEENAGER HOW TO MANAGE A SUMMER SALARY. Summer jobs give teens new found freedom and money to spend. http://www.nysscpa.org/sound_advice/money_7.14.03.htm

Home Join Site Map Search Advanced Search Sound Advice Sound Advice Main Page Sound Advice Archive ... Tax Resources Money Management Money Management is a weekly column on personal finance prepared and distributed by certified public accountants. FOR IMMEDIATE RELEASE: July 14, 2003 TEACH YOUR TEENAGER HOW TO MANAGE A SUMMER SALARY SET A GOOD EXAMPLE TEACH THEM TO SAVE AND SPEND WISELY MAKE SAVING A PRIORITY Planning for future purchases is an important learning experience. For successful savings, encourage your teen to define his or her financial goal, and develop a plan for saving toward that goal. By high school, every teenager should have a bank account. A savings account is best for younger teens, but older teens should know how to use a checking account. Teach your teen how to write and record checks and how to balance statements. TEACH SAVVY SHOPPING SKILLS Encourage your teen to comparison shop by checking prices with different retailers. Show them how to save money by buying generic brands or shopping at thrift shops. Make sure they grasp the concept of unit pricing so they better understand what they are getting for their money.

44. Money Management money management is a weekly column on personal finance prepared and teach THEM ABOUT RISKS AND REWARDS. The safest way to make money in the stock http://www.nysscpa.org/sound_advice/money_8.5.02.htm

Home Join Site Map Search Advanced Search Sound Advice Sound Advice Main Page Sound Advice Archive ... Tax Resources Money Management Money Management is a weekly column on personal finance prepared and distributed by certified public accountants. FOR IMMEDIATE RELEASE: August 5, 2002 INVESTING ABC: TEACHING YOUR KIDS ABOUT STOCKS More and more youngsters and teens are becoming fascinated by the stock market. Choosing stocks, tracking their performance, and making money can be exciting, challenging and rewarding. But, as experienced investors know, the market also can be frustrating and risky, especially during volatile times. To help kids understand the risks and rewards of the stock market, the New York State Society of CPAs recommends that parents talk to their children about investing. Here is some advice to help parents get started. EXPLAIN THE IMPORTANCE OF FINANCIAL GOALS Don't start off by trying to explain options, selling short, margin calls, and other complicated concepts. Instead, begin by explaining the difference between short- and long-term financial goals and between saving and investing. To help your child understand that investing is about making money grow to meet long-term financial goals, use examples he or she will understand. For example, if your child wants to buy a new video game, he or she should focus on saving. However, if he or she hopes to buy a Harley in ten years, investing in stocks or mutual funds may be more appropriate.

45. Failing Our Children, Teach Teens About Credit And Reports business loan without large scale money management skills, many kids think credit is money and debt is good? If we don t teach them the advertisers will http://www.msfinancialsavvy.com/archive2/teach_teen_credit.htm

Today is: featured article Teach Your Teens About Credit and Reports W e are failing our children in one of the most important areas of life. But, if more parents and schools understood the significance of credit reports and early credit education, that could be fixed. The credit failures and bankruptcy rates in the United States would decrease dramatically. After speaking to a group of college students last year I ask the question, “How many of you have checked your credit report?” No one raised his or her hand. Then I asked how many of you know what a credit report is? No one raised his or her hand. Then, after a moment of silence one student ask, “Does it have to do with things you charge?” I said, "Yes, you are on the right track.” Then I ask, “How many of you have discussed credit or charging merchandise with your parents?" No one raised his or her hands. I have spoken to many young adults at lectures and women's shows. Many of the financial concepts they embrace have disturbed me and should disturb most parents who read this.

46. Teach Your Teens About Credit And Reports teach your teens about credit and reports for a healthy financial outlook. He felt she did not need personal finance, money and credit management. http://www.linkup-parents.com/teencredit.htm

Subscribe to Linkup-parents newsletter Always Searching for Quality Sites! College Tips Admissions Test Prep Student Life ... HOME P A R E N T I N G Teach Your Teens About Credit and Reports By Lois Center-Shabazz We are failing our children in one of the most important areas of life. But, if more parents and schools understood the significance of credit reports and early credit education, that could be fixed. The credit failures and bankruptcy rates in the United States would decrease dramatically. After speaking to a group of college students last year I ask the question, "How many of you have checked your credit report?" No one raised his or her hand. Then I asked how many of you know what a credit report is? No one raised his or her hand. Then, after a moment of silence one student ask, "Does it have to do with things you charge?" I said, "Yes, you are on the right track." Then I ask, "How many of you have discussed credit or charging merchandise with your parents?" No one raised his or her hands. I have spoken to many young adults at lectures and women's shows. Many of the financial concepts they embrace have disturbed me and should disturb most parents who read this.

47. Commonwealth Bank - About Us - Media Releases As a result of poor money management skills, the research revealed that young 1931 to teach the basic skills of money management and encourage savings. http://about.commbank.com.au/group_display/0,1922,CH2071%5FTS13004,00.html

home site index help glossary ... contact us Find out about: company profile All Company Profile - Profile - Strategy ... All Careers Centre Online Services: NetBank Information Test Drive Apply Now ... Log On Log in to... NetBank CommSec FirstNet Colonial Adviser Commonwealth Research personal centre business centre institutional banking about us ... shareholder centre You are here: Home About Us News Centre Media Releases Media Releases New National Teaching Resource Launched To Help Improve Financial Literacy Among Young Australians 14 July 2005 The Federal Minister for Education, Science and Training, the Hon Dr Brendan Nelson, today launched a national financial literacy curriculum resource for secondary schools. The free online resource has been developed by the Commonwealth Bank Foundation working with professional educators, to help improve financial literacy among young Australians. The need for the curriculum resource was reinforced by the findings of national research*, which showed that young people aged 16 to 20 represented the highest proportion of the least financially literate by age in the country. As a result of poor money management skills, the research revealed that young people may suffer from a greater rate of unemployment, a lower income and are more likely to struggle with paying bills. The CEO of the Commonwealth Bank and Chairman of the Commonwealth Bank Foundation, David Murray, said the resource is designed to support and assist teachers across a range of subject areas to improve the knowledge, skills and understanding of their students in Years 7 to 10 in the area of financial literacy.

48. Parents Need To Teach Their College-bound Kids About Wise Money Management  Parents need to teach their collegebound kids about wise money management have had conversations with their parents about wise money management. http://www.singlemom.com/PARENTING_RESOURCES/Resources/teach_kids_money_manageme

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49. Teaching Kids About Money (Part II) - Raising Money Savvy Kids In American Socie The best way for you and your kids to learn about money management is teaching unselfishness through money. Another key rule of thumb to teach your kids http://www.familyresource.com/parenting/6/470/

Find Articles Relationships Parenting Pregnancy ... Teaching Kids About Money (Part II) - Raising Money Savvy Kids in American Society Teaching Kids About Money (Part II) - Raising Money Savvy Kids in American Society By: Arman Rousta Youth Money Management starts at home. Allowance is a good starting point. So why do only 60% of parents give their children an allowance? Truth is, they just don't know where to begin. In our "how to" culture, there are not many templates out there for how to go about starting an allowance program. In fact, there is no right or wrong approach when it comes to giving your children an allowance, although judging from the experience of others is a good place to start. If you have friends or family that give their kids an allowance, talk to them about it to see what is working and what isn't. Just beware that the same system may not work for your kids. Listed below are useful approaches to establishing or, if you already have something in place, improving your allowance system: Start early. The best way for you and your kids to learn about money management is through experience. You don't have to get it perfect on the first shot. While it is never too late to establish a system, the earlier the better for the development of good habits when it comes to money matters.

50. Teach Your Teens About Credit And Reports | Family Resource (FamilyResource.com) Home Parenting money management teach Your Teens About Credit And Reports He felt she did not need personal finance, money and credit management. http://www.familyresource.com/parenting/98/1061/

Find Articles Relationships Parenting Pregnancy ... Teach Your Teens About Credit And Reports Teach Your Teens About Credit And Reports By: Lois Center-Shabazz We are failing our children in one of the most important areas of life. But, if more parents and schools understood the significance of credit reports and early credit education, that could be fixed. The credit failures and bankruptcy rates in the United States would decrease dramatically. After speaking to a group of college students last year I ask the question, "How many of you have checked your credit report?" No one raised his or her hand. Then I asked how many of you know what a credit report is? No one raised his or her hand. Then, after a moment of silence one student ask, "Does it have to do with things you charge?" I said, "Yes, you are on the right track." Then I ask, "How many of you have discussed credit or charging merchandise with your parents?" No one raised his or her hands. I have spoken to many young adults at lectures and women's shows. Many of the financial concepts they embrace have disturbed me and should disturb most parents who read this. In a conversation with one young adult college student I spoke to, she told me she understood credit, but expressed concern for her high school sisters inability to understand money and credit, often confusing the two. She became concerned when her sister, who is a high school senior, did not understand that $75,000 was too much to pay for a car. Her sister repeatedly asked her middle-income parents to purchase the car for her on credit. She also expressed her concern for her parents inability to explain why purchasing the car was not an option for her sister or them.

51. Financial Management For Grads: What They Don't Teach You In College Financial management for Grads What They Don t teach You in College money management articles are a part of the 360 Degrees of Financial Literacy http://www.orcpa.org/showresource.asp?Show=1513

52. ::The Consumer Affairs Commission:: If you ask and they agree, pay it back as you agreed and with interest. teach them good money management skills by your example. http://www.consumeraffairsjamaica.gov.jm/childmoney_edge.htm

TEACH YOUR CHILD GOOD MONEY MANAGEMENT SKILLS Published in the The Star on September 10, 2003 One important skill that all Parents should teach their children is how to manage money. Teaching your children to be financially successful will help them avoid living from pay cheque to pay cheque and getting into debt in the future. A good starting point in helping your child develop good money management skills is to help them save. Here are some useful tips to assist you with this process: Make saving fun USE: BRIGHT COLOUR SAVING PANS Toddlers are attracted to bright colours and shiny objects, so take advantage of this. Purchase a piggy bank or saving pan that look like a ball or a cartoon character and which has vibrant colours. Next, give them your spare change to drop into these saving pans. You may soon find you won’t have any change at home as all of it will be in your child’s saving pan. MONEY GAMES Encourage your child to play games that help them to develop money management skills such as, monopoly. If you can’t find one that suits your child’s needs then create your own. Let them see it grow A. START A BANK ACCOUNT

53. Share-Save-Spend Column Can Hello Kitty teach money management Skills? October 18, 2004 you currently have in place for teaching your child how to manage money. http://www.sharesavespend.com/column20041018.html

54. Education World ® Professional Development Center: Tools For Teaching: Responsi Had I passed up that golden opportunity to teach money management, when would I have gotten another chance? STUDENTS WASTE TIME http://www.educationworld.com/a_curr/columnists/jones/jones014.shtml

EdWorld Internet Topics Sponsored links: Earn 90% Profit! Walden University M.S. in Education Degrees Online Host Department Web Hosting Best Sellers Best Websites ... Kaplan University Master's of Arts in Hoodia Diet Pills Hoodia Gordonii Hoodia Pills Leading Trade and Vocational Career Schools and Courses Get your evaluation ... Fred Jones Fred Jones Article FRED JONES Dr. Fred Jones's Tools for Teaching Responsibility Training: Part 1 Incentives Teach Lessons STARTING VERSUS STOPPING BEHAVIOR Behavior management is conceptually simple. There are only two things you can do with a behavior. You can increase it or you can decrease it. If you consistently increase the behaviors you want, and consistently decrease the behaviors you do not want, sooner or later you will be left with what you want. In the previous five segments, we have studied "Meaning Business," the skills of getting students to stop disrupting. That, however, is only half of the management equation. Getting students to start doing what they should be doing is the other half. In the next several articles we will focus on getting students to do what they should be doing. We will examine the building of responsible behavior.

55. Education World ® Professional Development Center: Tools For Teaching: Responsi Tools for teaching Responsibility Training Part 2 PAT Learning to Give in Order to Get. Second, I could exploit that need to teach money management. http://www.educationworld.com/a_curr/columnists/jones/jones015.shtml

EdWorld Internet Topics Sponsored links: Earn 90% Profit! Walden University M.S. in Education Degrees Online Host Department Web Hosting Best Sellers Best Websites ... Kaplan University Master's of Arts in Hoodia Diet Pills Hoodia Gordonii Hoodia Pills Leading Trade and Vocational Career Schools and Courses Get your evaluation ... Fred Jones Fred Jones Article FRED JONES Dr. Fred Jones's Tools for Teaching Responsibility Training: Part 2 PAT: Learning to Give in Order to Get Before reading this column, you might want to read or review Dr. Jones's previous column Responsibility Training, Part 1: Incentives Teach Lessons In our previous column, we learned that incentive systems teach lessons. We might give our teenagers an allowance, for example, not just because they need money, but also as a means of teaching money management. What resource do students waste in the classroom? They waste time! They spend it as though it has no value. Dawdling is an art form. Students waste a sizeable portion of your instructional time during each class period by simply "going slow" at every opportunity. Why do students dawdle? Because, if they were to hustle and save time, they would get more work. They dawdle because they want less work. If you want students to hustle, you must construct an incentive system that gives them a very good reason to hustle. TEACHING TIME MANAGEMENT Join the Discussion Click here to go to the Education World Classroom Management message board and share your experiences, concerns, and questions regarding classroom discipline, instruction, and motivation.

56. Use Everyday Experiences To Teach Children About Money - 05/31/2003 Use everyday experiences to teach children about money. 5/31/2003 That becomes a punishment, not a money management lesson. http://www.uwex.edu/news/story.cfm/585

In page navigation content site navigation University of Wisconsin - Extension Learning for Life About UW-Extension News @ UW-Extension Use Everyday Experiences To Teach Children About Money - 05/31/2003 home search contact Story options Printer friendly Use everyday experiences to teach children about money Public Relations Department 432 North Lake Street Madison, WI 53706 608-262-9871 608-262-8404 (fax) 608-265-9317 (TTY) Linda Boelter - Madison - Children today receive more money at younger ages than in the past, but how do they learn critical money management skills? "Parents have opportunities every day to teach their children valuable lessons about handling money," says Linda Boelter, Family Financial Management Specialist with University of Wisconsin-Extension. "But first you need to think about your own feelings, behaviors and values about money," suggests Boelter. "Remember, children learn not just from what you say, but also by what you do." "Children are great observers," Boelter says, "so their financial education really begins when they are seated in the grocery store cart." Starting as early as three or four, children become aware of money and that it can be exchanged for goods. Make believe activities like playing store, restaurant, post office, bank, or gas station give children an opportunity to act out what they observe. Preschoolers can learn the names of coins, how to count, and the values of different coins. They can learn simple decision-making skills by making choices in the context of daily activities. For example, giving them some coins to spend at the supermarket teaches them about spending decisions. Make sure your children understand that spending must be limited to the coin at hand. This teaches them that people do not always have enough money to buy what they want¿¯Â¿Â½-¯Â¿Â½¯Â¿Â½-¯Â¿Â½¯Â¿Â½an important life lesson.

57. Untitled Document teach your kids dollars and sense. moneymanagement skills learned early in life more crucial than ever, pros say. Special to The Globe and Mail http://www.creditcanada.com/newsfile/frame10586.html

Teach your kids dollars and sense Money-management skills learned early in life more crucial than ever, pros say Special to The Globe and Mail Monday, December 4, 2000 Mary Gooderham Shopping with her young son, Benjamin, Laurie Campbell heard the usual appeal for a toy that she had no intention of buying. So she decided that it might be a good time for a lesson about the value of money. Ms. Campbell turned to her pleading son, then 3_, and calmly told him that people sometimes can't buy items such as the toy because they are too expensive. He looked use they are too expensive. He looked at her with bright brown eyes and nodded in apparent understanding. But on a cold morning sometime later, Ms. Campbell realized the money talk had not quite got through. Looking at the blustery weather through the kitchen window, Benjamin declared that he had no intention of venturing forth. "I can't go; it's too 'spensive out." "I knew then he needed a few more lessons," says Ms. Campbell, program manager for the Credit Counselling Service of Toronto. Even with her job, she, like many other parents, is still trying to decide the best ways to teach her children about money to give them the foundations of earning, spending, saving and sharing it.

58. TEACH YOUR KIDS FINANCIAL SKILLS EARLY, AND THE LESSONS CAN LAST A LIFETIME thing as too soon when it comes to teaching children how to manage money, that the allowance be used as a tool to help teach money management. http://www.nefe.org/news/news093003.html

FOR IMMEDIATE RELEASE Date: September 30, 2003 Contact: Nan Mead, (303) 224-3507 nsm@nefe.org TEACH YOUR KIDS FINANCIAL SKILLS EARLY, AND THE LESSONS CAN LAST A LIFETIME Children Can Learn About Money at Nearly Any Age ENGLEWOOD, COLORADO—There is no such thing as "too soon" when it comes to teaching children how to manage money, according to the president of a Colorado-based nonprofit foundation dedicated to helping Americans understand and control their own finances. "By starting early, and introducing the most basic ideas, you can help your child develop financial skills that will last a lifetime," says William L. Anthes, Ph.D., president and CEO of the National Endowment for Financial Education® (NEFE®). Anthes outlines an approach that includes specific activities for children at various points in their development, with a special emphasis on the youngest learners. "Even toddlers can handle the concept of coins and currency. With ongoing reinforcement and information, children develop a strong sense of confidence in handling money, which can be invaluable in the long term." Virtually all the financial issues a child needs to understand fit within six general categories: earning money, goal setting, budgeting, saving and investing, using credit wisely and protecting what has been accumulated. The details within each category can be learned gradually, as a child is ready to absorb them. It also is important to present information in a logical and relevant way. Anthes suggests the following discussions and exercises for parents to use with their children as they move from early childhood to adolescence.

59. Practical Money Skills For Life - About This Site: Overview Parents Use Back to School Shopping to teach Kids Practical money Skills. More than 90 Percent of Parents Want Students to Learn money management Skills http://www.practicalmoneyskills.com/english/presscenter/releases/081302.php

dqmcodebase = "/english/inc/menu/" Training Services Overview Software Needs More Resources ... Site Map Press Center FOR IMMEDIATE RELEASE: August 13, 2002 FOR MORE INFORMATION: Maria Hatzikonstantinou (703) 683-5004 Kristy Thomas (703) 683-5004 'Practical Money Skills for Life Educator Challenge' Announced Parents Use "Back to School" Shopping to Teach Kids Practical Money Skills More than 90 Percent of Parents Want Students to Learn Money Management Skills before Graduation San Francisco, CA - Visa U.S.A.'s annual "Back to School Survey" reveals that more than half of parents with children going back to class this fall will be providing their children not only with new clothes and school supplies, but also with a lesson in practical money skills. The 2002 survey shows that 54 percent of parents- up from 51 percent a year ago - will use the traditional back-to-school shopping season as an opportunity to teach their children basic money management skills. "'Back to School' is a great opportunity for us to bring financial literacy into the forefront and to ensure that today's youth are equipped with the knowledge necessary to help them deal with any financial situation they may encounter in the future," said Rosetta Jones, Visa U.S.A. Director. "These survey results also demonstrate an opportunity to encourage parents to use the 'Back to School' season to sit down with their children and begin basic budgeting discussions. By doing so, their children can start the new school year with the greatest school supply: practical money skills that they can use for life."

60. AIE: Internet Resources For Managing Your Money money management International s Consumer Credit Counseling Services resources for grades 36 and games designed to teach kids about money management. http://www.adventuresineducation.org/links/links_manage.cfm

MIDDLE SCHOOL HIGH SCHOOL COLLEGE PARENTS ... AIE HOME Internet Resources Overview Develop Career Goals Research Standardized Tests Find the Right School ... Read a Publication Features Submit a Link Recommend a site to AIE. State Education Resources Find financial aid information for your state. Internet Resources Managing Your Money NOTE: Due to the changing nature of the Internet, some links listed may be inactive. If a link is not working properly, please notify the webmaster Credit and Debt Management Consumer Credit Counseling Service (CCCS) Whether your concern involves debt or not, the odds are that CCCS has a session that will advance you along the path toward financial fitness. CCCS counselors have the training and experience to provide expert financial counseling in many areas. They offer courses on-location or on-line for a variety of topics ranging from basic financial literacy and wellness, home ownership readiness and sustainability, credit, banking, shopping, saving and much more. If there's a solution to your financial problem, CCCS counselors can help you find it. Consolidated Credit Counseling The Managing Your Money section of this site, from Consolidated Credit Counseling Services, Inc., offers help in creating and following a budget. It includes sections on Budget and Debt Analysis, Handling Your Debt, Restoring Your Credit, and more. It includes a printable Income Worksheet, Credit Card Debt Worksheet, and Expense Worksheet as well as printable, free, self-help booklets. Other sections of the site include a Debt Calculator and other resources.

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