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All of us have that guilty feeling from time to time and yet it is the most wasted emotion of all. We can’t take back words or actions, no matter how hard we wish.

If you are a parent, this guilt seems to be present even more. This useless feeling is a universal phenomenon.

Why does this “guilt trip” seem to be an expanding epidemic?

I believe the answer to that is (1) More women work away from home (2)Single-parenting is on the rise and (3) There are so many books written on how to be a “good” parent. The first two things I have mentioned will sometimes keep you away from the time you would be spending with your child. I firmly believe in quality, not quantity.

Now don’t get me wrong. There are many excellent books that have been written regarding child-rearing. I’m sure they are helpful. The point I am driving at is this; there seems to be a lot of pressure to be a “good parent.” We certainly should all keep trying but also, keep in mind that you have your own inner voice that tells you what is best for you and your child. What works for Johnny may not necessarily work for Mary. If in doubt, follow your heart!

Guess What? When you are not perfect, you are letting your children know that you are human. You are also teaching them to forgive, as you forgive them.

Worried about being perfect? Think about the person who reared you? Were they perfect? Do you love them today?

Children can tell if they are truly loved. It is not measured by how many hours are spent with them or if you were tired that day and lost your cool. It is certainly not measured by how much money you can spend on them.

Your child already knows that you are not perfect. He or she also knows how much you love them. You can’t fool a child. They are spirits like you and I. They are the most honest people on this earth. (Remember how they informed Aunt Edna that she had a hair growing from her chin?)Believe me, they are honest and will forgive your mistakes.
Please forgive yourself. No one has ever been a perfect parent…not ever. If you love yourself, you forgive yourself.

As Oscar Wilde, an Irish playwright and poet wrote: (1843-1900)

“To love oneself is the beginning
of a lifelong romance”

If you love yourself and forgive yourself, that is another lesson your child will pick up from you. It’s a win, win situation!

So, relax. Bask in the fullness of your reciprocal love with your
child.

Some day he/she may be telling a story….”remember when Mom did……….”

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Okay, you want your teenager to be more responsible with money. Do you remember when you were a teenager? Did you act responsibly with your money? What were some of the things your parents did to teach you about handling your money better?

In this article we will discuss some of the ways you can teach your teen to be responsible when it comes to both money and credit. We will discuss several options in regards to credit and cash management for teenagers.

Many of us, even as adults, dont really know a lot about money management. This article may also help you as an adult manage your money and credit better. First lets discuss goal setting. Why do you need to manage your money? What are you trying to accomplish?

The first thing you can introduce your teen to and maybe even yourself to do, is tracking where your money goes. How many times have you asked, Where did I spend all that money? If you have ever asked that then tracking your money can give you great insight into managing your budget better.

There are workbooks you can buy or you can use a simple notebook. Have your teen do this with you so you can both learn together. If you make it a family experience, your teen is more likely to pay attention and participate, because they will get to see how you manage your money too. It has the extra benefit of making you manage your money better to set a good example.

In this new workbook you and your teen write down every expense. Every time you or they spend money on ANYTHING, it gets written down. Not in a category, what was actually paid for with the money. You will be able to review this later when building categories like, Items I could have done without.

When you review your workbooks together, trade them. Each of you can mark what expenses the other probably should not have paid out and how much money you could each have saved if you didnt make those extra expenditures.

It isnt a bad idea for you to make a couple of mistakes on purpose so your teen gains confidence that they can handle their money and identify what expenditures were not necessary. You need to understand that the spending habits your teenager acquires in their teens will stay with them for the rest of their life.

An allowance is okay, but just until they get a job. Never make the allowance enough to get the things they want most. Make them learn to save their money up to buy those things. Once they do have even a part-time job, no more allowance. They will respect the money they earn a lot more than the money you give them.

When your teenager is around 16 and has a job, help them open their own checking account. Teach them how to balance their checkbook. If you have been doing the workbook with them, this should be easy. You can help them get a prepaid credit card or teach them how to use the debit card that comes with their new checking account responsibly.

Again, if you two have been doing your workbook and marking down everything you spend money on, managing a debit card will be easy. Also by continuing to do the workbook, you will both learn how to save more money because you will be more aware of where your money gets wasted.

We all want to help our teens and we want to buy them nice things, but as parents we also need to teach them responsibility. Nowhere is that more important than teaching them to be responsible with money and credit.

Buy them the necessities, but make them pay for the extras. That applies to clothing, school supplies, or anything else, especially where your teenager decides they want the better, more expensive version of the items in question. Let them pay for the extras and they will appreciate their money much more or will learn to do without the most expensive item.

If you help them with the purchase of a car, offer to match them dollar for dollar toward the car. If you do plan to buy the car for them, make them responsible for the payment of the insurance, gas, and other extras. That will also have the added benefit of teaching them to respect and take care of their automobile.

I hope this article has given you some ideas about how to teach your teen how to handle credit and money. Just to repeat one thing, remember that what you teach your teen about money and credit now will determine how successful they will be later in life. So take the time to teach them.

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The teens want to have their own money. Teens want to have discretionary funds they can use without their parents poking at them and auditing all their cents. If the parents would let their teenagers manage their own money, they should be ready to give them advises on money management such as budgeting and fund management. In this way, they can be sure that their teens will not just squander their money on less important things.

The following may help the teens manage their money:

Teach the teens to save
Encourage the teens to open a savings account to deposit their earnings. Even just a few dollars a week will be good enough. If their parents are giving them allowances, they can talk to them and ask them to set aside some dollars in the bank. When the time comes that they need to withdraw, they will be amazed to see how much money they have saved. The teens want to have money and let them save.

Teens must spend wisely
The biggest nightmare among the teens is to wake up with nothing to spend, yet the next allowance is still a few days away. They will be forced to borrow and this will only add more problems. Spending wisely is a must especially to those with tight budget. If the school is just a walking distance, they should be happy to take a walk and enjoy that needed exercise. Need to go dating? Why not ask their crushes to have a chat with them in the park, this way they dont need to spend much. A can of soda could do the trick. The teens want to have money and let them spend wisely.

Introduce the teens to fund management
There are many plans of fund management that are available to teens. With a few dollars, the teens can have the opportunity to increase their money under the watchful eyes of money experts. This will also add pride to the teens for having invested money like what the grownups did. In addition, requiring them to pay taxes out of their investment will make the teens contributors to the national coffers. The teens want to know the rudiments of fund management and let them know.

Get a checking account
Getting a checking account will teach the teens some financial responsibility. Just imagine the teens issuing some checks for their purchases and or services they acquired. Knowing that a bouncing check would have legal repercussions, the teens will be extra careful in handling their finances. The teens want to think big so let them have their own checkbooks.

Let them get credit cards
The feel in getting credit cards nowadays is greatly different as compared many years ago. Before, a person is jubilant when his application is approved because it proves that he is credit worthy. Today, credit card offers are numerous that it will make the eyes bulge. The teens must be extra cautious on the type of cards they will apply. The benefits are vaguely explained in the ads or in the emails when credit card companies promote these cards. Most often, actual charges and interest rates are hidden, only to make the teens sorry for just freely making purchases. Credit cards are there to allow the teens to purchase, but they have to purchase only those things that are needed. They must avoid being compulsive buyers. The teens want to have a say in their purchases and parents must allow them have credit cards.

Parents have a lot to explain to their teens about money management. No matter what the teens want, the parents are in the best position to tell what is best for their teenagers. Just remember that the parents could contribute much to the success or failure of their teens. The teens want to have money and give them that golden opportunity. Let the teens manage their money and make them real money managers.

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Its never to soon to teach your kids how to save! In fact, the sooner you teach them how to save the better they will be at learning how to manage their money in the future. If they start early saving, they will understand the value of money and how much can be accumulated over time by saving.

How should I start teaching my child how to save? A good way to start is to follow some of these tips to assist you with helping your child to save:

1. Give your child an allowance which will provide your child with money that they can manage. Encourage your child to save a least half of their allowance.

2. Show your kid how much interest they can earn over time on their money when they save it! Especially the power of compound interest.

3. By saving money today, your kids would have money saved, for a future purchase they might want to make.

4. Make saving fun for your kid. Have your child put their savings in a piggy bank or jar so they can watch their money grow.

5. Open a bank account for your kid and let them deposit money from their allowance or other monies received into their bank account.

You say this is all good information, however, youre unable to give your kids an allowance because you just dont have enough money. What should I do, I really want my child to learn how to save? Dont fret, they can still save! You can have them save by collecting bottles and cans to earn money so they can start saving. No matter, how much money your kids earn, every amount adds up!

So, it seems easy, It really is! Get your kids into the habit of saving today, so they will learn how to manage their finances now and for the future.

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