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Personal Saving For Children Money takes on a new meaning when there are children in the family Parents realize the added pressure on the familys income to cover more wants and needs They also feel and express a concern for helping their children develop healthy positive attitudes about money Attitudes and habits about money are learned at an early age Very young children begin to learn about money by observing how their parents feel about money and react to it They notice whether parents argue or discuss calmly how money is to be spent who pays the bills and who keeps the records This role as observer while still a child will be a subtle but significant influence on how a person feels about money through life How can parents teach their children so money will be a positive factor in their adult lives Some ideas and suggestions include Set a Good Example Actions speak louder than words in forming attitudes about money So set a good example Is money used in the family by parents as a bribe reward or means of control Are material goods craved Is there an effort to keep up with the Joneses Is more emphasis placed on the cost of a gift than the feeling of giving it Since children are masters at spotting inconsistencies when parents say one thing and do another be sure to practice what is preached Use every opportunity possible to teach smart buymanship Help children learn to read labels to ask clerks questions when they do not find information they need on labels and to recognize a good buy Take them with you when you shop Explain why you choose to buy one item over another Then offer guidance and suggestions when children are doing their own shopping but remember the final decisions are theirs when they are spending their money Set a good example in
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