It is never too early to teach your children about the value of saving and giving money. If you start when they are young, they will always have the practice of saving money, budgeting and giving to charity. No matter what their age from two years old to teenagers, there are some basic things that you can do to encourage them to do this.
Start by buying your child three piggy banks. If they are young, get them to help you pick one out. If they are older, you can help them make a bank or take them to a paint your own pottery place to decorate them. Label one bank save, one spend and one give. You should also open a bank account for them so that they can periodically deposit the "save" money into their account as well as larger gifts of money and they can watch their bank account grow.
Each time they get an allowance, you should help them break the money into three groups. You can do this however you want to such as breaking it into thirds or putting 10% in give, 40% in save and 50% in spend. As they get older, they can help determine how the money will be divided.
For the "give" bank, have your child help choose where they want to donate the money. They might choose church. If they love animals, they could give the money to a local animal shelter or use it to purchase food for the shelter. They could buy diapers for an agency that helps new Moms or food for a homeless shelter. Sometimes using the money to buy material items to donate helps children better understand how important their money is to different organizations and exactly how they have helped someone.
The "save" bank can also be broken into long term and short term saving. Some of the money could be saved for college or a car when they are older. However, it is also fun to have them save money for an item that they really want such as an article of clothing or a toy. This teaches them the importance of budgeting money. If there is something that they really want, they might choose to put more money in the "save" bank and less in the "spend" bank. They might also just choose to not use the "spend" money for a few weeks until they spend it on what the really want.
However you choose to spend, save or give, make it a family affair and make it fun for your children. Include them in all the decision making since it is their money, but don't forget that you are the parent and you have the final say if they are not saving or giving wisely. If you can start them on the spend, save, give process at a young age, it will be a habit and value that they will carry with them into adulthood and one that they can pass onto their children.
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Bringing home a new puppy is always an exciting time for the entire family. Getting that new puppy off the right start with proper training is very important to making that puppy a valued member of his human family. There are a number of talents that every new puppy must master, including going up and down the stairs, and how to accept a new collar as if she’s worn it her entire life.
It is best to introduce a new puppy to the household when everyone in the family is present, and when the household is as calm as possible. That is why animal care experts discourage parents from giving puppies and kittens as holiday presents.
The holiday season is typically much too busy, with far too many distractions, for a young puppy or kitten to get the attention it needs. It is best to wait until the holidays have passed before introducing the new family member.
Once the puppy is part of the household, there are some things he or she will need to learn. One of the first challenges of a multi-story home will be learning to climb up and down the stair. Many puppies are afraid of stairs, and that usually means that they do not know how to climb them properly.
It is important for the puppy’s owner to slowly build the confidence of the dog, starting off at the bottom of the stairs. In general, a wide stairway will probably be less frightening to the puppy.
To build confidence, the owner should go up the first step, then encourage the puppy to join them, using their voice, treats or a toy. After the puppy has joined you on the first stair, go back down and repeat the process until the puppy will go up that step on his own. It is important to build confidence slowly and not rush the process. Taking a one step at a time approach is the best way to teach the puppy to not be afraid of stairs.
Another thing every new puppy must learn is how to accept the collar. Learning to wear a collar is important to every dog, but many puppies are baffled, frightened and bewildered by this new piece of equipment. Many puppies constantly try to remove their new collar by pawing and pulling at it.
Fit is important when choosing a collar for your new puppy. A properly fitted collar, chosen for your puppy’s size, is more likely to be comfortable and accepted. While choke collars, slip collars and training collars can be good training aids, they should never be used as a substitute for a sturdy buckle type collar. And of course that collar should have an identification tag and license attached. This identification will be vital in having your puppy returned if she becomes separated from you.
The best way to introduce the puppy to the collar is to simply put the collar on and allow her to squirm, jump, roll and paw at the color to her heart’s content. It is important to not encourage this behavior by trying to soothe the puppy, but it is just as important not to punish or reprimand the puppy.
The best strategy is to simply ignore the puppy and them her work through her issues with the collar on her own. Introducing distractions, such as food, toys or playing, is a good way to get the puppy used to the color. Getting the puppy to play, eat and drink while wearing the collar is a great way to get her used to it. After a few days, most puppies will not even know they are wearing a collar.
Both Tim Shank & Jonathan Cheong are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
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