Show, don't tell children and teens how to take care of money and what it means. Think of what skills you hope they would have and then make changes in your own behavior to model the desired outcomes. Show them with your actions-directly and indirectly-and they'll catch on much better than setting rules and just saying "We can't afford it." I'm going to get going on this right now.
"We pass up opportunities to teach our kids about money when we answer their requests for material goods by saying, “We can’t afford it,” or “We’re not buying it today,” without explaining the reasons behind our decisions. When we usher them off to a table at the fast food restaurant, they don’t see money changing hands and have no concept of the meal’s cost.
"When you’ve emptied your pockets or purse of change, don’t just toss the change in a drawer. This gives your child the message that a little bit of money isn’t of value. Instead, save it in a jar and use it to take the family to the movies, showing that even small amounts of money can add up over time."
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