By Janet Bodnar
Janet Bodnar addresses every little thing from curing a case of the gimmies and deciding on allowance degrees to budgeting, incomes and saving.
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Extra resources for Dollars & Sense for Kids
The message to parents is to be careful what you say to—and in front of—your kids when you’re dis- A Chapter Four The Apple Doesn’t Fall Far From the Tree 39 DOLLARS & SENSE FOR KIDS cussing money with them, or with your spouse. Kids will take you literally, reacting and reaching conclusions you hadn’t bargained for and may not be aware of until years later. Even if you never sit your kids at your knee and lecture them on the birds and bees of finance, they’ll get an education just by watching and listening to you.
From that point on, children are a recognized consumer force. By age 31⁄2 kids are selecting the things Chapter Three The Adman Cometh 25 DOLLARS & SENSE FOR KIDS they want and watching their parents buy them (typically cereal, toys and snacks, in that order); by 51⁄2 the kids are making the purchases (toys, snacks and gifts for others) and the parents are watching. By age 8 children make ZILLIONS FOR KIDS independent (unassisted) purchases while shopping with their You can help your kids develop smart conparents.
Third, she listened to you. Fourth, it worked. Fifth, you followed up, so the point will probably stick. Sixth, it didn’t take a lot of time. Lots of similarly frustrated parents would have lectured, yelled or thrown up their hands and watched their kids fritter away their money. You’ve shown there are simple yet effective alternatives. 33 DOLLARS & SENSE FOR KIDS Board should take in setting monetary policy. Winners of the Fed Challenge receive thousands of dollars in scholarship money, courtesy of Citibank.