I was lucky enough to have parents who taught me those parenting classes online at home, but many of my friends weren't so lucky. I don't think much has changed for our own children. The schools just don't have the time or resources to focus on basic money skills so it's up to us as parents to educate our children.
We have to teach by example. If our children see us spending money on credit parenting classes online they think that the little plastic card is all you need to get your heart's desire. We need to show them that the little plastic card produces a bill each month that must be paid. Pay it in full so they can learn the habit early.
Some people are hesitant (or refuse) to involve their children in their financial parenting classes online. Up to a certain age I would agree. But at some point you need to involve your children at least a little bit so they can learn the process of money management and it will help keep you accountable for your actions. Having to explain your frivolous purchases to your children can quickly alter your own habits.
Your ultimate goal is for your children to be better off than you are. If you don't teach them about how to manage money they could easily become worse off in their adult parenting classes online. Don't burden them with ignorance.
If you don't feel qualified to show them proper money handling skills then enlist the help of qualified parenting classes online or family members who are skilled with money. The goal is not perfection. It's basic education and hopefully preventing the already catastrophic credit card debt from spilling over into the next generation.
My favorite example of teaching money management within the home was setup by the Dilley family. They had parenting classes online several years ago and learned a way to teach their children good behavior and money management at the same time.
The kids earn Dilley Dollars for doing their parenting classes online and good behavior. The dollars are redeemable for video game time or can be converted to real money (50 cents real money for every Dilley Dollar) which can be spent on real things. The kids are taught to save some of it and they learn to appreciate what it takes to make money in this world.
Whatever system you come up with, stick with it. Make your children accountable for their own spending habits and be accountable to them for your parenting classes online. Admit your mistakes and do your best to lead them down the right financial path.
Stick with the parenting classes online of poor judgment. Of course you are the parent and make the final decisions, but the more you can involve them in the money processes of your household the better off they'll be when they step into the real world on their own.
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