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Parents, learn how to teach your children about money, the value of saving, budgeting and money management.

Teaching your children about money
Use Saving Your Way to Success like a textbook to teach your children:
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  • The basic concepts of saving versus spending—teaching them the money skills they will need to be financially successful in life.


  • The responsibilities and benefits of earning and saving money, impressing upon them not to forget the even more important things in life.


  • Saving, budgeting and personal finances are an important part of life and achieving financial success.


  • The importance of building your children's money skills, preparing for their future, and helping them stay out of debt.


  • The motto, “work hard, save hard” and how to apply it to their life to achieve financial independence early in life.


  • Your personality affects your financial success in life. Are you a John Frugal or a William Spendall? Are you a saver or a spender? Help develop your children into savers! Learn How to teach your kids how to save!
Our kids are growing up into a lifestyle of debt—a lifestlye that will not lead to financial success! At the end of the first quarter of 2005, the total interest-bearing debts in the U.S. had piled up to $37.3 TRILLION! And on average, Americans save only 1%!


You need to be teaching your children the basics of saving money NOW! How they grow-up and are molded by their parents, siblings and others affects whether they will be a John Frugal or a Wiliam Spendall—a saver or a spender?


It is great to see such wisdom coming from a young product of our school system. Saving Your Way to Success contains sound advice for consumers of all ages who want to achieve or maintain sound financial habits and financial health.

David Flowers, Fargo Schools Superintendent

Saving Your Way to Success will help you teach your children how to save money, learn financial literacy, build their money skills, and invest in their future. Teach your children the responsibilities of money and sound personal finances. Saving is a value you can teach your children. Plus, Saving Your Way to Success will explain how you can use saving to teach responsibility, self-reliance, how not to become covetous of things or toys, and how to use saving to help reach personal financial success early in life.

Did you know:
  • The fastest growing group of people who file bankruptcy are those age 25 and younger. 1
  • 91% of young people believe they should save, yet the vast majority of them considered themselves to be spenders. 2
  • The weekly (median) earnings of part-time workers age 16-19 is $108 and very little of that is being saved. 3

Young people believe saving money is good, but the vast majority do not. Why? Because they have not learned the how’s and why’s of saving. They have not been taught the benefits of saving. For example, they do not know that if they would save $200 a month for 40 years, total accumulation (with an annual growth rate of 9%) would be $850,000!

Start teaching your child how to save. Use Saving Your Way to Success as a study and guidebook to educate your children how and why to control their finances and save money. It is never too early to start. It is never too early to learn how to become a success by saving money.

When your children learn about saving, they get a head start in life. By learning how to save when young, your children will always continue to save. It is like the star athlete who begins practicing a sport at an early age; teach your children when young, and they will become star savers. Saving Your Way to Success could be one of your most valued tools for teaching financial management!

Justin has provided a very thorough guide to saving money with good advice developed in steps that are easy for anyone to follow and to attain.

Jerry Bartholomay, Fargo Catholic Schools Superintendent

Saving your way to success can be a valued resource when it comes to handling the often confusing dynamic involving parents, kids and money. Teaching personal finance to your children at an early age can be a wonderful gift to give them.

If your children are already grown-up, then Saving Your Way to Success makes the ideal gift for your teenage children or young adult. If your kids, like so many other young adults, are getting into credit card trouble as soon as they leave home, you need to personally hand them a copy of Saving Your Way to Success. Don’t just help them out short-term with a gift of money, help them long-term—help them to help themselves—give them a gift copy of Saving Your Way to Success. It will become, with your guidance, their own resource and guide book to their sound and secure financial future.

Use Saving Your Way to Success like a textbook to teach your children the principle and value of learning how to save money, or give it as a gift to your grown-up kids so they can use it as a personal guide to saving their way to success.






Sources:
1: “Credit-Card Debt Pushing Youth into Bankruptcy,” Grand Forks Herald, June 4, 2001.
2: Joyce M. Rosenberg, “Young People Save Saving for the future,” The Forum, October 9, 1999, AP.
3: ABC World News Tonight, August 15, 2001.
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