#3. Five Tips on How to Teach Your Kids to Save Money by Titus Maduwa

A lot of teens nowadays do not understand the value of earning and spending money. They were not oriented that investing is necessary even if they are still students. As parents, you play a crucial role in this area. 

You should be able to teach your kids how to save money. They should be able to understand the concept of money and investment as early as childhood. This will prepare them to learn money management, as they grow old. 

Here are some tips on how you can teach your children how to save money:

1. Your children should be educated on the meaning of money. Once your children have learned how to count, that is the perfect time for you to teach them the real meaning of money. You should be consistent and explain to them in simple ways and do this frequently so that they may be able to remember what you taught them.

2. Always explain to them the value of saving money. Make them understand its importance and how it will impact their life. It is important that you entertain questions from them about money and you should be able to answer them right away.

3. When giving them their allowances. You need to give them their allowances in denominations. Then you can encourage them that they should keep a certain bill for the future. You can motivate them to do this by telling them that the money can be saved and they can buy a new pair of shoes or the toys they want once they are able to save.

4. You can also teach them to work for money. You can start this at your own home. You can pay them fifty cents to one dollar every time they clean their rooms, do the dishes, or feed their pets. This concept of earning little money will make them think that money is something they have worked for and should be spent wisely.

5. You can teach them to save money by giving them piggy banks where they can put coins and wait until they get full. You can also open bank accounts for them and let them deposit money from their allowance. You should always show them how much they have earned to keep them motivated.

Money and saving is not something that is learned by children in one sitting. You should be patient in teaching them and relating the value of money in all of their activities. Children will learn this easily if you are patient and consistent in guiding them and encouraging them in this endeavor.

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# 1 International Author Titus Maduwa

Stay True to Yourself

It is hard to stay true to yourself if you have not figured out who you are, what you want from life, and how to get everything that, according to you, would make you whole. While in this situation, people tend to live in the past, and dwell on bad memories, because they feel they can identify more with the person they used to be, than who they can be. Others tend to live their lives based on how they think others want them to live. Living life like this is not very satisfying.

You are not what people say you are, what you own, or what you were in the past. What defines you each and every day are the choices you make, and what you think about each day. Thinking positive thoughts on an everyday basis, and making choices that will make you happy, will go a long way in making you feel fulfilled. You will be able to shine bright instead of walking in other people's shadows. It is always better to fail in an attempt to do things you like, than stay unhappy doing what you think everyone else want you to do.
Decide today that you are going to choose yourself first, before anyone else. Be daring enough to choose without worrying about things going wrong, or people thinking less of you. Decide on what you want to be, and follow that decision with actions.
If you have been doing a job for years, and you do not really like it, but you have to keep at it to please a friend, or your parents, how about quitting, and following a career path you actually like.
They say, we only live once, so don't make the mistake of living someone else's life, because sooner or later you might come to regret it. Make the decision today, to follow your own dream, and live the life that really matters, your own. You have been given the gift of life, and all the tools you need to become the best you, you can be. Stay true to yourself!

 Happiness is the key to a fulfilling and satisfying life. Being cheerful is an awesome feeling, and very fulfilling, but to experience ultimate satisfaction, you need to make your cheerfulness contagious.
Life does not always serve us roses. Sometimes the best we get from life are bitter lemons. However, a cheerful person should go along with the saying, "When life offers you lemons, make lemonade."
This lemonade is best when shared with others. Just like the majestic sun, that brightens every object it shines upon, so can your happiness brighten any dark heart around you.

Cheerfulness is universal and non-partial. No matter how hard life has hit someone, a smile cannot fail to put life into a broken and emotionally dead heart. A lot of people around you believe that there is no time to be happy in this "problem-filled serious world".

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