Over the years, structures get modified for continuing growth. Here you will find the help to encourage life long learning.
Articles are updated frequently.
These sections are organized by age level, but the information is not confined to just these ages. Consider looking at other age ranges as well. Also, make sure to check out the Archives.
Articles are updated frequently.
These sections are organized by age level, but the information is not confined to just these ages. Consider looking at other age ranges as well. Also, make sure to check out the Archives.
Financial Tools for Tweens and Teens
Money is only a tool. It will take you wherever you wish, but it will not replace you as the driver. Ayn Rand
Too many of us and our children have gotten caught in traps that money has caused, or rather the lack of money knowledge. It is up to parents to help their children avoid these traps. When you are having conversations with your children, include those about money often.
esperian.com suggests the following steps to help children manage their money.
A budget is a financial plan based on income and expenses. Parents need to set goals and learn to live within their means. Children see how parents manage their money. Talk to your children as you shop.
As children get older, parents can share their household budget with children to show them where the money goes. Explain the bills that need to be paid and why you might be saying “no” to their latest request.
Help your children make healthy choices. Look for the best prices in newspaper or magazine ads and online for the things they want. Help them to save their own money for the desired item or ask for it as a future gift. You can help your children have confidence handling their money as they prepare for their financial future by helping them to be frugal. BUSY KIDS might be an app to help. Talk with them about ideas for earning their own money through opportunities such as performing services for others--babysitting, tutoring younger children, pet-sitting, or yard work. Explore ideas for their own business, such as designing greeting cards to sell or showing seniors how to use their computers or iPads. Encourage them to use their imaginations for a new business they might create.
Never stand begging for that which you have the power to earn. Miguel de Cervantes
Help your children to see using credit cards is really borrowing money that must be paid back on time, over time. Help your tweens and teens know about credit reports and credit scores. When your children see you using your digital devices to pay, help them to know it is not money at the touch of a button but money that is deducted from your checking or savings account.
Give your children lessons about money for their future lives. Talk about money daily, give your children guidance and help them make smart money decisions. Give them Dave Ramsey’s book Smart Money, Smart Kids. Help them know that money is only part of their lives, but that knowing how to use it is important. Discuss with them their needs versus wants, weighing their decisions and understanding the outcomes of those decisions.
Money Management
Do your children know where their money comes from? Do they know where YOUR money comes from? Do they have any idea how to use their money wisely? These are lessons that are vitally important for your teens. You give them food, a place to sleep, some chores (hopefully) and money.
According to a survey commissioned by MYBANKTRACKER.com, more than half of Americans believe children should begin to handle their own money before age 18. Giving them a weekly allowance that needs to last them through the week with no other contributions from you (consistently, parents), helps your teens to learn through experience what it takes to stretch their money, how to spend and save it for what they want. Parents are not the bank. You might even show them how you manage your money using a program on the internet or keeping your income and expenses in a book.
Help them to establish a bank account to call their own. As your teens grow older, they might have a job. They will need to manage the money they are paid--paying themselves through savings, spending for their necessities, and then enjoying some.
For kids before high school, a savings account may be enough to help them learn to save for the bigger things they may want, like a new skateboard or bike. During early high school years, teens could have a checking account with your supervision. Parents should make opportunities to advise and teach better ways to manage their money and bank accounts
Pursuing financial independence should be the goal for your children even before they begin to acquire student loan debt. How can you and they finance their education without acquiring a mountain of debt they will need to pay back for the rest of their lives? Maybe, they can research scholarships, not only in sports, but in their passions in other fields. Some nationalities offer scholarships to those of their nationality. For medical training, there is such a demand that with an interest in that field, they may find many unused opportunities. Thinking about a military career may give them opportunities they might never have imagined. Seeking internships, paid or unpaid, may open doors for them.
Discussing how money is used well and wisely in their lives might save your children a multitude of headaches in their future. It is worth a try.
Good Ways to Use Tech
When young people use tech wisely, they can reap huge rewards, but it is up to adults—parents and caregivers to see that they do. Summer can either increase or addict your children more to screen time and cause your children to be harder to handle and more aggressive. This may be due to the lack of sleep and proper nutrition and exercise. Children of all ages need balance in their lives and this includes their use of screen time and technology.
Technology should improve your life...not become your life. Billy Co
Young people's brains are still developing and may be more sensitive to the aspects of technology and its overuse than adult brains. Poor academic performance, lack of attention and delayed social and emotional development may result. Vision issues can occur because of too much time staring at their screens. Poor posture and pain in their head, neck and shoulders can happen. A sedentary life style due to lack of exercise can lead to obesity and cardiovascular disease. Using tech too close to bedtime stimulates the brain and causes sleep disturbances. The overuse of technology can have a significant impact on developing children and teenagers. medicalnewstoday.com
Positive things happen with technology also. It helps children develop their brains and teaches them new things. It can promote problem solving and give them practice in using technology to simplify daily activities. Reinforcing and expanding their ability to use technology to explore ideas and concepts can help them make better decisions.
Children need to be taught how to manage their time, especially screen time.Parents and adult caregivers can help by being attentive to their children’s use of their time. Using the 20-20-20 rule for tech use is one way. After every 20 minutes of screen time, they should take a 20 second break to look at something 20 feet away. Better yet, take time to stretch, exercise or get a snack. Adults are responsible to see that tech time does not interfere with play, eating or exercise time. Your pre-teens and teens can be encouraged to explore computer science and the use of artificial intelligence in health, science, and business. Parents can join their children on screen or provide interesting alternatives for off-screen time. Families can enjoy using tech to go geocaching together.
Above all, parents and adult caregivers should be alert to their children’s safety by making use of parental controls. Adults need to make sure appropriate boundaries and rules for their family’s use of technology are followed by all in the family and enforced CONSISTENTLY.
It has become appallingly obvious that our technology has exceeded our humanity. Albert Einstein
Money is only a tool. It will take you wherever you wish, but it will not replace you as the driver. Ayn Rand
Too many of us and our children have gotten caught in traps that money has caused, or rather the lack of money knowledge. It is up to parents to help their children avoid these traps. When you are having conversations with your children, include those about money often.
esperian.com suggests the following steps to help children manage their money.
A budget is a financial plan based on income and expenses. Parents need to set goals and learn to live within their means. Children see how parents manage their money. Talk to your children as you shop.
As children get older, parents can share their household budget with children to show them where the money goes. Explain the bills that need to be paid and why you might be saying “no” to their latest request.
Help your children make healthy choices. Look for the best prices in newspaper or magazine ads and online for the things they want. Help them to save their own money for the desired item or ask for it as a future gift. You can help your children have confidence handling their money as they prepare for their financial future by helping them to be frugal. BUSY KIDS might be an app to help. Talk with them about ideas for earning their own money through opportunities such as performing services for others--babysitting, tutoring younger children, pet-sitting, or yard work. Explore ideas for their own business, such as designing greeting cards to sell or showing seniors how to use their computers or iPads. Encourage them to use their imaginations for a new business they might create.
Never stand begging for that which you have the power to earn. Miguel de Cervantes
Help your children to see using credit cards is really borrowing money that must be paid back on time, over time. Help your tweens and teens know about credit reports and credit scores. When your children see you using your digital devices to pay, help them to know it is not money at the touch of a button but money that is deducted from your checking or savings account.
Give your children lessons about money for their future lives. Talk about money daily, give your children guidance and help them make smart money decisions. Give them Dave Ramsey’s book Smart Money, Smart Kids. Help them know that money is only part of their lives, but that knowing how to use it is important. Discuss with them their needs versus wants, weighing their decisions and understanding the outcomes of those decisions.
Money Management
Do your children know where their money comes from? Do they know where YOUR money comes from? Do they have any idea how to use their money wisely? These are lessons that are vitally important for your teens. You give them food, a place to sleep, some chores (hopefully) and money.
According to a survey commissioned by MYBANKTRACKER.com, more than half of Americans believe children should begin to handle their own money before age 18. Giving them a weekly allowance that needs to last them through the week with no other contributions from you (consistently, parents), helps your teens to learn through experience what it takes to stretch their money, how to spend and save it for what they want. Parents are not the bank. You might even show them how you manage your money using a program on the internet or keeping your income and expenses in a book.
Help them to establish a bank account to call their own. As your teens grow older, they might have a job. They will need to manage the money they are paid--paying themselves through savings, spending for their necessities, and then enjoying some.
For kids before high school, a savings account may be enough to help them learn to save for the bigger things they may want, like a new skateboard or bike. During early high school years, teens could have a checking account with your supervision. Parents should make opportunities to advise and teach better ways to manage their money and bank accounts
Pursuing financial independence should be the goal for your children even before they begin to acquire student loan debt. How can you and they finance their education without acquiring a mountain of debt they will need to pay back for the rest of their lives? Maybe, they can research scholarships, not only in sports, but in their passions in other fields. Some nationalities offer scholarships to those of their nationality. For medical training, there is such a demand that with an interest in that field, they may find many unused opportunities. Thinking about a military career may give them opportunities they might never have imagined. Seeking internships, paid or unpaid, may open doors for them.
Discussing how money is used well and wisely in their lives might save your children a multitude of headaches in their future. It is worth a try.
Good Ways to Use Tech
When young people use tech wisely, they can reap huge rewards, but it is up to adults—parents and caregivers to see that they do. Summer can either increase or addict your children more to screen time and cause your children to be harder to handle and more aggressive. This may be due to the lack of sleep and proper nutrition and exercise. Children of all ages need balance in their lives and this includes their use of screen time and technology.
Technology should improve your life...not become your life. Billy Co
Young people's brains are still developing and may be more sensitive to the aspects of technology and its overuse than adult brains. Poor academic performance, lack of attention and delayed social and emotional development may result. Vision issues can occur because of too much time staring at their screens. Poor posture and pain in their head, neck and shoulders can happen. A sedentary life style due to lack of exercise can lead to obesity and cardiovascular disease. Using tech too close to bedtime stimulates the brain and causes sleep disturbances. The overuse of technology can have a significant impact on developing children and teenagers. medicalnewstoday.com
Positive things happen with technology also. It helps children develop their brains and teaches them new things. It can promote problem solving and give them practice in using technology to simplify daily activities. Reinforcing and expanding their ability to use technology to explore ideas and concepts can help them make better decisions.
Children need to be taught how to manage their time, especially screen time.Parents and adult caregivers can help by being attentive to their children’s use of their time. Using the 20-20-20 rule for tech use is one way. After every 20 minutes of screen time, they should take a 20 second break to look at something 20 feet away. Better yet, take time to stretch, exercise or get a snack. Adults are responsible to see that tech time does not interfere with play, eating or exercise time. Your pre-teens and teens can be encouraged to explore computer science and the use of artificial intelligence in health, science, and business. Parents can join their children on screen or provide interesting alternatives for off-screen time. Families can enjoy using tech to go geocaching together.
Above all, parents and adult caregivers should be alert to their children’s safety by making use of parental controls. Adults need to make sure appropriate boundaries and rules for their family’s use of technology are followed by all in the family and enforced CONSISTENTLY.
It has become appallingly obvious that our technology has exceeded our humanity. Albert Einstein