We try to teach our kids to be
street-smart, musical, athletic,
and even computer literate. But
teaching them the value of
money can be more difficult than
getting them to clean their
rooms.
Given that adult Americans
are saving too little of their pay
checks and declaring bankruptcy
in record numbers, it’s essential
that the next generation of con
sumers be better prepared to face
their financial future.
You know the importance of
teaching kids “the three Rs”
reading, “riting and “rithmetic.
But experts who specialize in
money matters for children gen
erally agree on the need to teach
them “the three Ss:”
• Saving. Putting some of their
money aside so it’s there to pro
tect them in the future.
Historic Gardens Showcase Native Plants
COLLEGEVILLE (Montgom- day, August 15.
ery Co.) “Natural Landscapes Quaker botanist John Bartram
and Habitats” will conduct a was famous for discovering and
walk at the Historic Bartram’s collecting native plants in coloni-
Garden, starting 5 p.m. on Tues- al America. The Franklinia tree,
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Teach Kids The Financial Facts Of Life
• Spending wisely. Living
within their means and being ed
ucated consumers.
• Sharing. Being generous and
charitable.
To help parents, guardians,
and even grandparents raise fin
ancially responsible people,
FDIC Consumer News offers the
following suggestions:
• Give an allowance. If used as
a teaching tool and not a givea
way, an allowance can be one of
the best ways to teach kids, even
as young as five or six, about
money, taking pride in their
management skills, and becom
ing more charitable. There are
many different ways to structure
an allowance and, of course, each
family has to decide what’s right
for them (in terms of how much
allowance to give, what kinds of
things the child should start pay
ing for, and so on).
• Help your child start a sav
ings or investment account. The
old piggy bank still can be a fun
way to introduce little ones to the
concepts of saving and managing
money. But at around age eight,
your child may want to open a
small savings account and begin
learning what banking's all
about, from filling out deposit
slips to reviewing statements.
• Encourage the right kinds of
“child labor.’’ Jobs can teach
kids to be responsible and to
enjoy earning and saving money.
One way is to pay a child for
extra work around the house
the kind you might hire someone
else to do'. This could mean
cleaning the garage or baby sit
ting a sibling on a Saturday
which he discovered and propa
gated, is now extinct in the wild.
At Historic Bartram’s Garden,
a garden expert will lead the Co
operative Extension tour group
through a native plant ex
hibit, a wildflower meadow
on reclaimed land (a former
dump) and along the once
walled river, now restored
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night. Author and family finance
expert Neale S. Godfrey encour
ages parents to maintain a list of
nonurgent jobs a child can do.
“Then when your offsprings asks
you for a second pair of designer
sneakers or money to go ice skat
ing with friends,” she said “refer
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• Play “show and tell” while
you manage your own money. If
you expect your kids to become
responsible with their money,
and yours, you have to practice
what you preach. Serve as a good
example of what it means to
save, spend wisely, and share
with others. You’ll make more of
to a wetlands as it may have
looked in John Bartram’s era.
The Franklinia tree should be in
bloom at the time of the tour.
Unlike all other walks in the
“Natural Landscapes & Habi
tats” series, this is not a free
walk. Cost will be $5.
More information on Bar
tram’s Garden is available online
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an impression on your children if
they can see and hear what
you’re doing to manage your
money,
• Make learning about money
fun and interesting. We’ve al
ready mentioned a few ways to
stimulate a child’s interests in
saving, spending wisely, and
sharing money with others.
Final thoughts. One of the best
things we can do for our children
is to prepare them for life “on
their own.” Whether your kids
are tots or teens, instill in them a
sense of responsibility when it
comes to managing money,
working hard, and being charit
able. The time you devote to
teaching the financial facts of life
could be one of the most reward
ing investments you ever make.
at www.libertynet.org/bartrams.
To receive a walk schedule
and registration form, send a
self-addressed stamped envelope
to Recycling Education Program,
Natural Landscapes & Habitat
Walks, 1015 Bridge Road, Suite
H, Collegeville, PA 19426, or call
the Recycling Education Pro
gram at (610) 489-4315.
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