Some people have more money than sense. Just because u can afford something doesn’t mean you should buy it.


15



Learning to keep your composure and maintain a respectful tone when you’re frustrated/angry/afraid/upset, etc. is a skill. PRACTICE it.


4, 5, 6, 7, 10, 12, 14, 16, 19, 21



Save where you can. Spend when you have to. Splurge every once in a while.


15, 21



Take the family on periodic “spending fasts.” As an exercise, go a day, a weekend or a week without spending any money. Make due with what you have. Encourage participation. Tie in spending fasts with holidays, lent or in support of a cause.


7



Start “home economics” school with them. Laundry, cleaning, cooking, how to change a diaper, comfort a baby, soothe a toddler, what's involved in caring for pets, budgeting for food, keeping track of maintenance schedules for humans, pets, cars and machines. Engage with guests, be a good host, etc. Know when and how to tell someone to GTFO of the house (racist or misogynistic speech, etc.) Every kid needs to learn the art and science of home management. Look for and point out examples in books and movies of good home science skills.


5, 8, 10, 11, 12, 13, 14, 15, 21



Read "You Can’t buy a Dinosaur with a Dime" by Harriet Ziefert. Teaches kids about earning money through work, making choices, even paying taxes!


9



Buy life insurance when you're young.


21



Check out the website Brightly for timely and age-appropriate book recommendations. All sorts of subjects and themes.


5-12



Check out from the library or Amazon: “My First Money Book: A Guide for Parents and Children to Saving, Spending, Sharing, and Investing Your Money” by Reggie Nelson


8



Don’t waste big money on little things. Be intentional about what you spend.


16, 21



Make a separate piggie bank together for money to donate. Talk about how we manage what we have thoughtfully: Save some, spend some, donate some.


5-8



***Manners!! *** Etiquette is the secret sauce. Everyone appreciates being treated with respect. Etiquette is the art and science of respecting others. It’s timeless and universal. Customs change, hence the need for constant study, but respect is always the foundation. In summary: Be nice. Start with yourself. Study etiquette. It will help you in every single interaction you have, social, professional, financial, everything. Manners apply to every human, in every interaction, even on the hard days. Hence, the need for practice.


3, 5, 7, 10, 11, 15, 17, 19, 21