5-Steps To Teach Your Kids The Value Of Money!

Education is important for ourselves, but also for our children. We are not taught in schools about how to manage money. We learn how to count money, but thats about as far as it gets. This article is a great one for those who have children or thinking about having kids some day.

By Janet Majoulet Foust

Most kids learn the basics of money and making change in grammar school, but probably won’t learn how to manage money unless they choose finance as a career path. That means it is up to all of us to see that our children reach adulthood prepared to face life’s fiscal challenges. My favorite thing to hear from my kids when I told them I didn’t have the cash to buy them what they wanted is ‘you still have money just go to the bank and take out cash from the ATM!’ This is when I knew it was time to start the basics of how money worked!

I made the choice a few years ago to open life policies for my two younger children. Some reaction’s I got from my family was; why would you open life policies for your kids? To them it seemed morbid. Well, the answer is simple. I opened the life policies for my kids to save for their college fund. Some life policies allow you to add money so you can accumulate cash value. This cash value grows with time and will allow my kids to use it for college when they are ready. This money is also accumulating tax free, which is a huge benefit. I will talk more about insurance and it’s benefits at another time.

At the time that I open these policies, I let both my children know what they were for and gave them a simple lesson on how their policies worked. Now, whenever I mention the life policies, my son asks, “how much money do I have now?”

For Christmas, I decided to buy both my kids the book; Rich Dad’s Escape From The Rat Race, by Robert Kiyosaki. My daughter zipped through the book in a couple of days and could tell me exactly what it was about. I was amazed that she learned the exact things I did when I read the adult version or Rich Dad, Poor Dad. This was fantastic!

When I was a child, I was not taught about money. All I knew, as a child was money was tight. I could feel it, but had no idea what that meant. When I left my parents house to go off on my own, I remember learning very quickly that you could not spend your paycheck on the weekend and still have money to eat for the next two weeks! I will never forget opening two credit cards at the age of 18. I thought someone had given me the keys to financial freedom. I quickly maxed both cards out to furnish my apartment. Then, when the bills came in the mail, I was surprised, and thought; how was I going to pay for this?

Through my own trial and error, I decided that I would make sure that my children would have a financial education before they left home. The younger you start the better.

So my question to you is, do you take time to educate your children about money?

Here are some suggestions:

1. Get a piggy bank and start collecting coins and fill it up. Once they have about $10-$20 accumulated, open a savings account with your child. Make deposits together and be sure to make it a very positive experience. Some banks have a savings account just for kids.

2. Buy books that will educate them at their age level. I highly recommend the Rich Dad’s Escape From The Rat Race when they are old enough to read.

3. Explain to your children that money is earned by working, and that you can only spend what you earn. Very important to know before you leave home!

4. Give your child an allowance. You might consider paying your children for chores outside of daily duties, such as helping to rake leaves or wash the family car. If they are anything like my kids, they have a goal in mind and will help out to accomplish that goal. This makes doing the chores more fun!

5. When your children get older, you can then advance into teaching them about a checking account. Teach them how to balance a checking account so they know how to do it on their own. This will stop the, I still have checks left, so I must have money in the bank, syndrome!

Teaching your children about our financial system may seem daunting, but you can help put your child on the right track by encouraging smart habits now.

Is it worth your time and effort to help your children learn about money? YES, answering your children’s questions honestly and in terms they’ll understand can help them begin life on sound financial footing.

We teach women how to take control of their financial futures so they can gain confidence and financial competence to live a life of financial security. We provide personal wealth coaching, in an encouraging and stress free environment that is results-driven and will give you the financial direction to lead you to a fulfilling, financially rewarding and prosperous future. Go to http://www.wealthharvest.com and sign up for my FREE Newsletter now!

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Are Children Ever Illegitimate?

We like to brand children as being illegitimate. Why do we not rather brand the people who have such views as cruel and insensitive? The children are all legitimate creatures of God, regardless of what their parents or the people around them think.

By Elsabe Smit

I am always fascinated by the rules around succession to a throne and how monarchs exclude their children that were born of some women, but include the children that were born to them of other women. I get upset when children are described as “illegitimate” - as if God made a mistake with that child. And not too long ago - in the youth of our grandparents - children that were born to unmarried parents were as a rule given away for adoption. Some of those children never even found out that they were adopted, or finding this out was a very painful experience to them, because it reflected the “shame” of their births.

In some cultures children that are born “out of wedlock” carry that stigma with them for the rest of their lives, simply because their parents were not married when they were born. In other cultures people fall in love, live together and have children, and later on they get married. Are those children illegitimate?

All children come into this world because they have planned to do so, like us. They choose their parents and they choose their paths in this dimension. I believe that they also choose the experience of “being illegitimate”, probably because they have to deal with feelings of inadequacy and rejection.

Why are the children “illegitimate”? Because their parents were not married when they were born.

Marriage should be a celebration of two souls joining together in love, and finding fulfillment in that love. For most people marriage is also about raising children in a loving environment.

Does that mean that marriage has to be a ceremony with a legal contract? No. A wedding is any celebration of two souls joining in love. The legal contract was added because of the rules of society. Without a legal contract a mother cannot claim what is due to her children when people decide to end a relationship. Without a legal contract a father does not have the right of access to his children. What a strange world we created for ourselves! Of course the church likes the idea of a legal contract between people, and so this legality was integrated into the traditions and ceremonies of the church.

I understand that the church can play a role in helping couples to understand the contract between themselves - that is the love contract. But I am afraid I find it difficult to understand how people who chose to be celibate could think that they are in a position to explain and regulate the relationship between couples, when they personally rejected that type of relationship in the first place. My own experience of being counseled by a man of the cloth about marriage was an attempt to give me a huge injection of fear and the threat of rejection from society, when I was emotionally in tatters. Fortunately I was immune to this treatment. I am also sure there are also people that gain much benefit in such situations, even though it did not work for me.

A marriage contract, like any other contract, can reach a logical end. When that happens, there is a divorce. When people get divorced, they reach the end of their love contract. That is in most instances also the end of the legal contract between them. In cultures where there is a stigma attached to divorce, there is a strong fear base. Those cultures can be quite cruel and will often see people living in misery because they can no longer be their true selves in a relationship that has changed, but people would rather have that than have those people question the institution of marriage as a binding contract even if it destroys both parties.

In this context of messed up adults who create fear and who blindly follow the rules that are imposed on them, children happen to come into this world to parents who are not caught up in the bureaucracy of marriage. The children are then expected to take on the same heritage of fear and rejection when you do not toe the cultural and religious line. Those children then take up an entire lifetime to fight that heritage. And the more they fight their heritage, the more that heritage rules their lives, because fighting something means you put more and more energy into exactly what you do not want, and you make it real.

I am not saying that it is all right to have many babies from one or more relationships. We all need to control ourselves and our destinies. If our destiny is to be a parent to many children, then so be it, as long as we take responsibility for each one of those children and raise them in love.

Can we really look at a new-born baby, an innocent child, and reject that baby outright because the parents were not married? Hardly. Then how do we justify doing it when that same child is older and can understand the rejection, but cannot understand the reason for it?

We justify it by having our own warped understanding of love. We do not open ourselves up to the beauty of unconditional love.

Every single child that comes to this planet is a legitimate child, because it is part of God’s plan. And when that child grows up, it becomes an adult that is legitimate. Whenever we question the legitimacy of any person on the basis of our own biases, we need to look inside, identify the fear that we project and eliminate that fear. When we accept everyone on this planet as God’s creature, we will have more love for ourselves and the world will be a better place.

Elsabe Smit hereby grants a NON-EXCLUSIVE license to any and all persons and entities to copy and reprint any article she posts as long as the article is left IN-TACT and UNALTERED and proper credit is given to her as Author. Elsabe Smit is the author of A Tapestry of Life and of the blog http://www.mypurpleblog.com , Spiritual interpretations of everyday life.

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