Posts Tagged ‘saving money’

Teach your Teens to Save Money

Thursday, April 16th, 2009

Teaching your children how to manage their finances is absolutely critical if you want them to be successful at managing their money in the future. More than 80 percent of all parents are led to believe that their children are learning enough about personal finance and money management in school, unfortunately more than 90 percent of all students in high school and approximately 87 percent of all students in college have stated that everything they know about money management and financial planning has been learned from their parents rather than in school. Only 26 percent of parents with children aged 5 and older feel well enough prepared to teach their children the important details about money management. A study by the JumpStart Coalition for Personal Financial Literacy found that among twelfth graders, only around 10 percent of high school graduates were prepared for their personal financial future.

If you are not sure where, when or how to begin talking to your teens about saving money, you should rest assured that you are not alone. Teaching your kids about good money management, however, is a parental responsibility that is just as important as teaching them not to cross the street without looking both ways. As soon as kids become interested in money you can begin to lead by example, allowing them to pick up on good money management habits by following the direction that you give them. Here are some other simple and fun suggestions that will help your teens learn the value of money at an early age so that they can be prepared to take care of themselves as they get older.

Talk to your teen about money.

1 – Explain to your children what money is all about.

As soon as your kids are old enough to count, they are old enough to understand the value of money. The earlier you can manage to teach them about money, including earning, saving and spending it responsibility, the better prepared they will end up being to manage their own finances in the future.

2 – Talk to your child about the family budget and allow them to learn by example as they grow up.

Let them ask questions about household finances so they understand early and receive consistent reinforcement of what it means to maintain a family budget and the financial matters surrounding it.

3 – Show your children how credit cards, debit cards and ATM machines work.

Show them that money does not grow on trees, and help them understand early what relationship exists between cash, credit, debit and other types of cards and accounts. Help your kids understand early that money has to be earned and saved before it can be spent.

When you discuss money with your children of any age, you will help them to develop a good sense of limits and positive, healthy financial planning in the process. You will teach them through examples exactly what it takes to spend money in a healthy way and make positive financial choices.

Photo Credits: 1

Originally posted 2020-12-16 05:30:53. Republished by Old Post Promoter

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Tips for College Student Budgets

Saturday, April 11th, 2009

College students going for financial success.

Trying to make ends meet when you are in college is not an easy task. Your income is usually pretty limited and expenses can be high, even if you have a scholarship. If you’re trying to save money or just get by, there are some great tips for college student budgets that you can put into use right away. These tips will help make it easier to get through the month and will help you get on the right track for building a strong foundation for your financial future.

Easiest Tips for College Student Budgets –

The best tip is to reduce the amount of money that you spend on non-essentials and fast food. Cafeteria food may not be the best, but if it’s free, then it’s worth it. You may also want to consider purchasing your own food to prepare at your dorm or apartment. This can easily save you more than $50 a month, depending on how often you eat out. Part of the college experience is figuring out how to budget, and preparing your own food is the best answer. You can still eat healthily and you’ll be learning great skills for the future.

Smartest Tips for College Student Budgets –

Getting a part time job may be a little time consuming, but it can free up quite a lot of money every week. Try to find a job on campus, like at the library, where you can combine your study time with work time. This will allow you to make a little extra money without having your school work suffer. Working a lousy job is yet another important part of the college experience and will provide you with the skills and experience you need for the future. You may also want to try to find a paid intern position where you can work on contacts for after graduation.

Entertaining Tips for College Student Budgets –

Entertainment can take a huge chunk of your money, whether it’s movies, the bar, or just spending money wildly. Learn to find free things to do with your friends and try staying in at least one extra night a week. Your school work will benefit from that extra day and you’ll be saving money at the same time. If you don’t want to cut back on entertainment, find other areas where you can scrimp, or work a little extra so that you have the money to spend.

Wealthy Tips for College Student Budgets –

Every year, college students take their ideas and put them into action. Facebook.com is a great example of a simple idea that turned into a billion dollar company.  Use Loanio to obtain a loan for seed money. If you have a great idea, don’t be afraid to try to implement it. You never know if you don’t start– you may just be the next big success story.

Money is usually tight for college students, but if you utilize these tips for college student budgets, you should be able to notice a big difference in how much money you have left at the end of the month.

Photo Credits: 1

Originally posted 2020-12-11 05:03:47. Republished by Old Post Promoter

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Teach Your Teen About Saving Money

Thursday, April 9th, 2009

One of the biggest reasons why having a teenage child can be difficult is because teenagers tend to spend money easily and freely without any real regard for what goes into earning that money in the first place. Teenagers tend to spend a great deal of money on clothes, shoes, toys, video games, computer stuff, without ever really buying anything that they need. One of your biggest jobs as a parent is to teach them how to save their money.

First of all, you should teach your teenager how to save money by opening them up a bank account. When they have their own bank account, they will have a paper transcription of how and where they spend their money. Deposit their allowance directly into the bank account, and explain to them that once the money is gone for the month, it’s gone. This will teach your teens to be more savvy when saving money because they will have a better idea of how much goes in and how much comes out, and will learn to better track their expenditures accordingly if they know that the money will eventually run out if they are not careful.

Give a man a fish and you feed him for a day.

Another consideration that you need to make when it comes to teens saving money is a really valuable quote that applies to many situations including this one: “Give a man a fish and you feed him for a day. Teach him how to fish and you feed him for a lifetime.” What this quote means is that giving your teenager an allowance, or money for the movies, or for any other reason, they will use that money and then it will be gone. If on the other hand you teach your teens how to handle their money and save their money, it will prepare them for a lifetime of financial fitness, which is the most ideal situation. By teaching your teen how to earn and save money, how to invest, and so on, you are preparing them for a lifetime of intelligent financial decisions. This may not prevent them from making poor decisions in the future, but it will better prepare them for what life throws at them as they get older.

You absolutely must be able to teach your teenage children how to handle their money. Once they understand what goes into making or earning the money, saving the money and investing the money, they will spend their money more wisely in the future. Teach your children how to invest, and how to get the most out of their money, and you will find them being excited about saving their money rather than spending it frivolously. If you want your teens to be savvy when it comes to saving and investing their hard earned money, you have to teach them the value of that money and what can be done with it besides buying designer jeans, ring tones and other toys. Not only will you benefit, but they will benefit significantly as well.

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Originally posted 2020-12-09 05:03:43. Republished by Old Post Promoter

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How Do I Plan For Retirement?

Sunday, April 5th, 2009

One of the most common questions people have is how do I plan for retirement? Whether you’re looking at retiring in five years or thirty five, it is important to come up with a plan that will provide you with more than enough to live comfortably. It is no longer sufficient to rely on social security to make ends meet once you are no longer working and it’s time to get proactive about securing your future. Here are some answers to the question, how do I plan for retirement?

Plan for your nest egg.

1. How do I plan for retirement in five years?

If you have nothing saved away at this point, planning for retirement is not going to be an easy task but it can be done. Depending on your financial situation and the amount of your paycheck, this is the time to start thinking about putting a significant portion of your earnings into savings. Although many are tempted to get into a high risk situation in order to make more money quickly, this is usually a bad scenario.

When you need to plan for retirement quickly, the best option is to speak with a financial adviser that can assist you in developing a portfolio of investments that will begin returning right away, as well as in the future. This is the safest means of getting your finances in order in a short period of time.

2. How do I plan for retirement in fifteen years?

This gives you a little more leeway, but it doesn’t mean that you should put off saving money and setting up alternative income streams right now. With fifteen years before retirement, you’ll need to take a hard look at how much you can save each year and whether or not it is possible to increase that amount, either through getting paid more money at your current job, or finding news ways to make more income.

At this stage, investment properties and stocks that have a solid history of returns are an excellent idea for many people. However, you should consult with a financial adviser to get a better idea of where you stand and how much time you have to start putting money aside. They can help you develop goals and stick to a plan to make sure your retirement will be worry free.

3. How do I plan for retirement in twenty five years?

At this point in many people’s lives, retirement is far enough away that it isn’t a real worry. However, this is the ideal time, or even before this point, to start saving money seriously and developing a long term plan to secure your financial future. Keep in mind that the cost of living will go up each year, and that your money today may not be worth the same amount in twenty five years.

This period of time should be spent developing a solid portfolio, multiple streams of income and a reliable savings plan that will help you get prepared for any eventuality.

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Originally posted 2020-12-05 05:02:33. Republished by Old Post Promoter

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Teach Teens to Save Money

Thursday, March 26th, 2009

Teach your teen about money.

One of the biggest reasons why having a teenage child can be difficult is because teenagers tend to spend money easily and freely without any real regard for what goes into earning that money in the first place. Teenagers tend to spend a great deal of money on clothes, shoes, toys, video games, computer stuff, without ever really buying anything that they need. One of your biggest jobs as a parent is to teach them how to save their money.

First of all, you should teach your teenager how to save money by opening them up a bank account.

When they have their own bank account, they will have a paper transcription of how and where they spend their money. Deposit their allowance directly into the bank account, and explain to them that once the money is gone for the month, it’s gone. This will teach your teens to be savvier when saving money because they will have a better idea of how much goes in and how much comes out, and will learn to better track their expenditures accordingly if they know that the money will eventually run out if they are not careful.

Another consideration that you need to make when it comes to teens saving money is a really valuable quote that applies to many situations including this one: “Give a man a fish and you feed him for a day. Teach him how to fish and you feed him for a lifetime.” What this quote means is that giving your teenager an allowance, or money for the movies, or for any other reason, they will use that money and then it will be gone. If on the other hand you teach your teens how to handle their money and save their money, it will prepare them for a lifetime of financial fitness, which is the most ideal situation. By teaching your teen how to earn and save money, how to invest, and so on, you are preparing them for a lifetime of intelligent financial decisions. This may not prevent them from making poor decisions in the future, but it will better prepare them for what life throws at them as they get older.

You absolutely must be able to teach your teenage children how to handle their money.

Once they understand what goes into making or earning the money, saving the money and investing the money, they will spend their money more wisely in the future. Teach your children how to invest, and how to get the most out of their money, and you will find them being excited about saving their money rather than spending it frivolously. If you want your teens to be savvy when it comes to budgeting, saving, and investing their hard earned money, you have to teach them the value of that money and what can be done with it besides buying designer jeans, ring tones and other toys. Not only will you benefit, but they will benefit significantly as well.

Photo Credit: 1

Originally posted 2020-11-25 05:01:04. Republished by Old Post Promoter

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Teens Saving Money

Monday, March 2nd, 2009

Help your teen build strong money management skills.

One of the best ways to build a strong financial foundation in teens is by starting a savings plan early on. Over the past few years, there have been more teens saving money and the results are clear. When you take the time to teach good financial practices to your children, these skills will carry them through life, helping them to build up a nest egg that they can rely on in the future. If you want to start your kids down this financial path, here are a few tips on how to get your teens saving money now.

1. Set up a reward system.

At first, before the benefits start to kick in, your child may need some extra incentive to start saving money. Try setting up either a reward once they reach a certain dollar amount, or you may even want to offer to match their savings, dollar by dollar. This is a great way to get your teens saving money and offers them some real incentive, as well as hard evidence, that saving is very beneficial. Even if you only add a few dollars to their account at a time, this extra money will help them get motivated and stay focused.

2. Start discussing sound financial principles with your child.

Once you’ve got your teens saving money, it’s a great time to start talking about setting financial goals, and working on the follow through. For example, you can ask your child to set a goal as to what they would like to be able to buy, that they cannot afford right now. This helps them see the value of the hard work they are putting in towards saving for that item and once again, will keep them motivated. However, it is important that they understand that spending all that they have saved up isn’t the best solution and that they should have long term goals, as well as short term goals.

3. Take them to the next level.

Once you have your teens saving money and they are learning more about goal setting, you can take their lessons to the next level by incorporating information about setting up more than one stream of income. Help them to set up a portfolio, use a p2p lending service like Loanio to lend money, or open a high yield savings account for them so that they can start to watch their money grow. This is also a good time to start talking about investments with your teen, even if they can’t quite make their own just yet.

4. Get them interested in continuing education.

One of the best ways to get your teens saving money is by teaching them how the stock market works and how they can add to their savings account easily. There are numerous online sites that will provide users with free example “money” that can be used to invest in theoretical stocks. This is a great training method that has no risk, but can be incredibly useful in teaching lessons about stocks. You may even want to take part in these yourself and set up a competition to see who can make the best theoretical picks.

Photo Credits: 1

Originally posted 2020-10-31 04:55:15. Republished by Old Post Promoter

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  • The Ultimate Collection Of Money Saving Tips: 122 Ways To Trim Your Budget Welcome visitors from MSN Money/Smart Spending!  If you enjoy this article and would like to receive more, simply sign up to receive free daily updates via email, or follow my posts in your favorite feed reader. A while back All You Magazine offered to give away a few subscriptions to……