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	<title>IReference &#187; Alix Montoya</title>
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		<title>Make Over Tricks For A Kid&#8217;s Room</title>
		<link>http://ireference.org/kids/make-over-tricks-for-a-kids-room/</link>
		<comments>http://ireference.org/kids/make-over-tricks-for-a-kids-room/#comments</comments>
		<pubDate>Sun, 11 Jan 2009 19:24:51 +0000</pubDate>
		<dc:creator>Alix Montoya</dc:creator>
				<category><![CDATA[Children]]></category>
		<category><![CDATA[building]]></category>
		<category><![CDATA[construction]]></category>
		<category><![CDATA[contractor]]></category>
		<category><![CDATA[design]]></category>
		<category><![CDATA[home improvement]]></category>
		<category><![CDATA[homes]]></category>
		<category><![CDATA[housing]]></category>
		<category><![CDATA[interior design]]></category>
		<category><![CDATA[polished concrete]]></category>
		<category><![CDATA[polished concrete floors]]></category>

		<guid isPermaLink="false">http://ireference.org/kids/make-over-tricks-for-a-kids-room/</guid>
		<description><![CDATA[Your kids, however cute and cuddly they are right now, unfortunately, won't be staying that way for too long. They're going to go through a hundred changes in growing up and their bedroom has to keep up with all these changes to make the transition worthwhile. And there are various ways in which you can make these changes a fun experience for yourself and, most importantly, your kids. <a href="http://ireference.org/kids/make-over-tricks-for-a-kids-room/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<div style='font-style:italic;' class='byline'>by Alix Montoya</div>
<p>Your kids, however cute and cuddly they are right now, unfortunately, won&#8217;t be staying that way for too long. They&#8217;re going to go through a hundred changes in growing up and their bedroom has to keep up with all these changes to make the transition worthwhile. And there are various ways in which you can make these changes a fun experience for yourself and, most importantly, your kids.</p>
<p>An overall theme is what you need to determine first when you&#8217;re making changes to your child&#8217;s bedroom. If you&#8217;re thinking of getting him or her themed bedsheets, they are going to outgrow them quickly. I suggest sticking with plain but bright colored sheets instead that would last a while longer.</p>
<p>The bedroom furniture has to match colors with everything else. Paint their dresser according to the color of the wallpaper to make it fit in. Try to upgrade the other furniture as well like the changing table into an actual study table which they can use when they no longer need diapers but needs a place to hold their books. Put in chairs to sit in and shelves to put their toys in and the changes are complete.</p>
<p>Use bright colors to make the room as energetic and as exciting for your child. If you have a one-year old, try to make the room a little mature but not too mature. Bright colors like bright blues and greens often keep your child&#8217;s interest at its best. And make sure the bed is soft and cozy, too.</p>
<p>The only thing that you need to keep in mind is that you need to make it comfortable for your child. Remember that he or she will be spending a lot of time here. The last thing you&#8217;ll need is to have a room that offers no refuge for troubling times.</p>
<div class='resource'>
<div style='font-style:italic;' class='about'>About the Author:</div>
<div class='links'>Alix Montoya does concrete like nobody ever does concrete before . Find out more about <a href="http://www.concretepolishing.org">concrete floor polishing</a> and experience the beauty of <a href="http://www.concretepolishing.org/forum">polished concrete floors</a> for yourself.</div>
</div>
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		<title>The Secret On How Kids Should Handle Money</title>
		<link>http://ireference.org/kids/the-secret-on-how-kids-should-handle-money/</link>
		<comments>http://ireference.org/kids/the-secret-on-how-kids-should-handle-money/#comments</comments>
		<pubDate>Sat, 03 Jan 2009 06:32:09 +0000</pubDate>
		<dc:creator>Alix Montoya</dc:creator>
				<category><![CDATA[Children]]></category>
		<category><![CDATA[arts and crafts]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[cash]]></category>
		<category><![CDATA[crafts]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[family]]></category>
		<category><![CDATA[family activities]]></category>
		<category><![CDATA[family budget]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[fun]]></category>
		<category><![CDATA[home budget]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[parenting]]></category>
		<category><![CDATA[wisconsin]]></category>

		<guid isPermaLink="false">http://ireference.org/kids/the-secret-on-how-kids-should-handle-money/</guid>
		<description><![CDATA[There's a funny character in a popular television show who ran into a huge credit card debt and couldn't pay for it. The portrayal was funny, but the problem is far from laughable. And your kids are definitely in danger of getting into this kind of trouble if you don't do something about this right now. Youth nowadays are becoming more and more inconsiderate when it comes to spending money and you can stop this from happening. <a href="http://ireference.org/kids/the-secret-on-how-kids-should-handle-money/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<div style='font-style:italic;' class='byline'>by Alix Montoya</div>
<p>There&#8217;s a funny character in a popular television show who ran into a huge credit card debt and couldn&#8217;t pay for it. The portrayal was funny, but the problem is far from laughable. And your kids are definitely in danger of getting into this kind of trouble if you don&#8217;t do something about this right now. Youth nowadays are becoming more and more inconsiderate when it comes to spending money and you can stop this from happening.</p>
<p>As a parent, there are many ways for us to keep our kids from weighing heavily in our pockets. We could strip away their credit card access altogether and banish them to a friend-less, phone-less, Internet-less Amish existence. Although, there is an alternative that wouldn&#8217;t end up with your kids hating you forever, and here are just a few of them.</p>
<p>Money is earned. Show your kids that money is not something that they easily get and therefore take for granted. You can do so by letting them handle jobs on their own. If your children are old enough, suggest a job for them or even help them open up a new business for themselves, probably in craft shows in your state of Wisconsin. This is a great way for them to value hard earned cash.</p>
<p>Teach them how to save. You as a parent can show your kids the great advantages of having some savings. Tell them all about banks and how money can grow from interest in savings accounts. This will sure pique their interest. You can also suggest that they start out a college fund for themselves as early as today. It&#8217;s never too early to prepare for something like that.</p>
<p>Show them how to budget. Your household budget and how you handle it can teach your kids how to do it themselves. You can let them participate when you&#8217;re allocating some funds and you can talk to them all about how keeping a budget and being prepared for anything can be a life saver when it comes to a pinch.</p>
<p>We all want our kids to grow up as responsible adults. It&#8217;s good new therefore that we can actually teach them a thing or two when it comes to handling something that they&#8217;ll be exposed for the rest of their lives, and that is money.</p>
<div class='resource'>
<div style='font-style:italic;' class='about'>About the Author:</div>
<div class='links'>Alix Montoya has been writing about <a href="http://www.Wisconsinfairsandfestivals.com">Wisconsin craft fairs</a> for a long time. You can find out the latest news on <a href="http://www.Wisconsinfairsandfestivals.com">WI craft shows</a> and join in on the crafting fun.</div>
</div>
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		<title>Stop Your Kids From Spending Too Much Today</title>
		<link>http://ireference.org/kids/stop-your-kids-from-spending-too-much-today/</link>
		<comments>http://ireference.org/kids/stop-your-kids-from-spending-too-much-today/#comments</comments>
		<pubDate>Thu, 01 Jan 2009 02:28:25 +0000</pubDate>
		<dc:creator>Alix Montoya</dc:creator>
				<category><![CDATA[Children]]></category>
		<category><![CDATA[arts and crafts]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[cash]]></category>
		<category><![CDATA[crafts]]></category>
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		<category><![CDATA[family]]></category>
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		<category><![CDATA[money]]></category>
		<category><![CDATA[West Virginia]]></category>

		<guid isPermaLink="false">http://ireference.org/kids/stop-your-kids-from-spending-too-much-today/</guid>
		<description><![CDATA[Are you tired of your kids nagging you for an expensive toy that they keep on seeing on television or with their playmates? Are they the kind of kids who think money grows on trees and that they don't really have to value it? It might prove to be very useful if they would learn that this is not true. <a href="http://ireference.org/kids/stop-your-kids-from-spending-too-much-today/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<div style='font-style:italic;' class='byline'>by Alix Montoya</div>
<p>Are you tired of your kids nagging you for an expensive toy that they keep on seeing on television or with their playmates? Are they the kind of kids who think money grows on trees and that they don&#8217;t really have to value it? It might prove to be very useful if they would learn that this is not true.</p>
<p>As a parent, there are many ways for us to keep our kids from weighing heavily in our pockets. We could strip away their credit card access altogether and banish them to a friend-less, phone-less, Internet-less Amish existence. Although, there is an alternative that wouldn&#8217;t end up with your kids hating you forever, and here are just a few of them.</p>
<p>You have to show them that money is earned. Kids will greatly put more value towards their money if they worked hard for it. If they&#8217;re old enough, you can suggest a job for them, or even help them start out a new business. Perhaps they can join you in West Virginia crafting fairs and festivals and open up shop there. Or if they&#8217;re younger, you should give them simple jobs that they can handle and then get rewarded for it. This reinforces the idea that good work has rewards.</p>
<p>Tell them to save some of their money up. By telling them about saving a portion of their allowance or earnings up, you teach them discipline and responsibility. Sit down with your kid and discuss opening up a savings account. Show them how their money can increase due to interest from the bank. Or try to convince them about starting out a college fund which would greatly help them after high school.</p>
<p>Teach them how to keep a budget. Better yet, plan a budget with them. Let them participate in the household budget with you and you can teach them all about the different expenses that they need to look out for. Of course, they wouldn&#8217;t need to worry about some of the things like mortgage yet, but you can teach them a thing or two about setting aside some money for different things in life.</p>
<p>It&#8217;s always best to keep our children from letting themselves get caught in a web of overspending, even at a very early age. So why don&#8217;t you teach them a thing or two about saving up and you may be saving them from a future filled with debt and junk.</p>
<div class='resource'>
<div style='font-style:italic;' class='about'>About the Author:</div>
<div class='links'>Alix Montoya has been writing about <a href="http://www.WestVirginiafairsandfestivals.com">festivals in West Virginia</a> for a long time. You can find out the latest news on <a href="http://www.WestVirginiafairsandfestivals.com">WV craft shows</a> and join in on the crafting fun.</div>
</div>
]]></content:encoded>
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		<title>Stop Your Kids From Overspending Today</title>
		<link>http://ireference.org/kids/stop-your-kids-from-overspending-today/</link>
		<comments>http://ireference.org/kids/stop-your-kids-from-overspending-today/#comments</comments>
		<pubDate>Wed, 31 Dec 2008 23:21:34 +0000</pubDate>
		<dc:creator>Alix Montoya</dc:creator>
				<category><![CDATA[Children]]></category>
		<category><![CDATA[arts and crafts]]></category>
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		<category><![CDATA[fun]]></category>
		<category><![CDATA[home budget]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[parenting]]></category>
		<category><![CDATA[washington]]></category>

		<guid isPermaLink="false">http://ireference.org/kids/stop-your-kids-from-overspending-today/</guid>
		<description><![CDATA[Responsibility is the key and if your kids are indiscriminately spending horrendous amounts on shopping sprees every other day, then you might be looking at a worn out credit card and a house full of junk. This may sound surprising, but kids these days are becoming more and more commercialized. They are increasingly becoming the market for the hundreds of capitalists out there and mainly because they are the ones who give in easily to whim. <a href="http://ireference.org/kids/stop-your-kids-from-overspending-today/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<div style='font-style:italic;' class='byline'>by Alix Montoya</div>
<p>Responsibility is the key and if your kids are indiscriminately spending horrendous amounts on shopping sprees every other day, then you might be looking at a worn out credit card and a house full of junk. This may sound surprising, but kids these days are becoming more and more commercialized. They are increasingly becoming the market for the hundreds of capitalists out there and mainly because they are the ones who give in easily to whim.</p>
<p>You, as their parent, needs to show them how to be more responsible when it comes to spending money. This is a very important lesson they can&#8217;t and probably won&#8217;t learn at school. There&#8217;s a lot of people who are underestimating the role of parents in shaping a child&#8217;s personality, but being responsible can be reinforced with the proper guidance.</p>
<p>One of the many things that you have to make your child understand is that money is something that they can&#8217;t take for granted. It is something that is earned with hard work and diligence. If your kids are old enough, you can suggest work for them. Or perhaps even building their own business in Washington craft shows with their hobbies.</p>
<p>Tell them to save up. That&#8217;s right. Sit them down and talk to them about having bank account and all the jolly good things that come with it. Tell them all about interests and how this increases their savings. Or you could also try and get them to start a college fund for their future. It might surprise what they can do with it.</p>
<p>You also need to show them how to budget and one great thing of doing this is by letting them join in when you&#8217;re handling the household budget yourself. You can show them all of the things that a budget has to be and you can convince them to start one themselves. You have to show them all the benefits of setting aside some money and being able to plan in advance.</p>
<p>Nowadays, kids spending too much is already a given. With all the television advertisements and other commercial tactics all around us, it is inevitable that they get to buy a lot of things. It&#8217;s a good thing, therefore, that you can teach them how to become more responsible when it comes to buying.</p>
<div class='resource'>
<div style='font-style:italic;' class='about'>About the Author:</div>
<div class='links'>Alix Montoya has been writing about <a href="http://www.Washingtonfairsandfestivals.com">craft shows in Washington</a> for a long time. You can find out the latest news on <a href="http://www.Washingtonfairsandfestivals.com">craft fairs in WA</a> and join in on the crafting fun.</div>
</div>
]]></content:encoded>
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		<title>How To Stop Kids From Overspending In Vermont</title>
		<link>http://ireference.org/kids/how-to-stop-kids-from-overspending-in-vermont/</link>
		<comments>http://ireference.org/kids/how-to-stop-kids-from-overspending-in-vermont/#comments</comments>
		<pubDate>Wed, 31 Dec 2008 23:05:29 +0000</pubDate>
		<dc:creator>Alix Montoya</dc:creator>
				<category><![CDATA[Children]]></category>
		<category><![CDATA[arts and crafts]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[cash]]></category>
		<category><![CDATA[crafts]]></category>
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		<category><![CDATA[home budget]]></category>
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		<category><![CDATA[vermont]]></category>

		<guid isPermaLink="false">http://ireference.org/kids/how-to-stop-kids-from-overspending-in-vermont/</guid>
		<description><![CDATA[Today, more and more kids are beginning to spend increasing amounts of money on stuff they don't need. They're falling victim to tactics used by companies to sell even under the effects of the current crisis. And this could only mean trouble for you, and your savings. <a href="http://ireference.org/kids/how-to-stop-kids-from-overspending-in-vermont/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<div style='font-style:italic;' class='byline'>by Alix Montoya</div>
<p>Today, more and more kids are beginning to spend increasing amounts of money on stuff they don&#8217;t need. They&#8217;re falling victim to tactics used by companies to sell even under the effects of the current crisis. And this could only mean trouble for you, and your savings.</p>
<p>Parents are the best teachers when it comes to lessons outside of the classroom and one of the best things that we can teach our kids is the value of money and how we should handle it responsibly. Here are a few ideas to put you on the right track.</p>
<p>Teach them that money is the product of hard work and must not be taken for granted. If you have older kids, try and convince them to work or start their business in Vermont craft shows. If your kids are a little younger, try giving them simple household responsibilities and then reward them for a job well done. Believe it or not, children tend to value money the worked hard for more than money they receive for doing nothing.</p>
<p>You can also convince them to open up an account at the local bank so they can save some of their allowance money or salaries for future use. Discuss interests and other banking matters and make sure to point out the advantages of having some cash ready when you need it. It&#8217;s even a good idea to start out a college fund and let them save up for it.</p>
<p>Another great idea is to teach them how to plan out their expenses effectively. One good way to do this is by teaching them how to write a budget. Let them join you and when you&#8217;re doing the household budget, or better yet, do it together. Your child would be learning all about better budgeting and you&#8217;ll be spending time with them.</p>
<p>It&#8217;s never a good idea to just let your kids loose out on the mall with credit cards in hand. You&#8217;ll be surprised at the difference some of these tips can make, if you just put some effort into doing them.</p>
<div class='resource'>
<div style='font-style:italic;' class='about'>About the Author:</div>
<div class='links'>Alix Montoya has been writing about <a href="http://www.Vermontfairsandfestivals.com">festivals in Vermont</a> for a long time. You can find out the latest news on <a href="http://www.Vermontfairsandfestivals.com">VT festivals</a> and join in on the crafting fun.</div>
</div>
]]></content:encoded>
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		<title>Teaching Kids How To Spend Wiser</title>
		<link>http://ireference.org/kids/teaching-kids-how-to-spend-wiser/</link>
		<comments>http://ireference.org/kids/teaching-kids-how-to-spend-wiser/#comments</comments>
		<pubDate>Wed, 31 Dec 2008 21:59:44 +0000</pubDate>
		<dc:creator>Alix Montoya</dc:creator>
				<category><![CDATA[Children]]></category>
		<category><![CDATA[arts and crafts]]></category>
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		<category><![CDATA[money]]></category>
		<category><![CDATA[parenting]]></category>
		<category><![CDATA[utah]]></category>

		<guid isPermaLink="false">http://ireference.org/kids/teaching-kids-how-to-spend-wiser/</guid>
		<description><![CDATA[We all have our problems but a problem that millions and millions of parents out there share with you are irresponsible kids. There are many aspects when it comes to responsibility but what I'm talking about is financial responsibility. Believe or not, more and more kids nowadays are trigger happy when it comes to swiping credit cards and capitalists are just too happy to hear that news. <a href="http://ireference.org/kids/teaching-kids-how-to-spend-wiser/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<div style='font-style:italic;' class='byline'>by Alix Montoya</div>
<p>We all have our problems but a problem that millions and millions of parents out there share with you are irresponsible kids. There are many aspects when it comes to responsibility but what I&#8217;m talking about is financial responsibility. Believe or not, more and more kids nowadays are trigger happy when it comes to swiping credit cards and capitalists are just too happy to hear that news.</p>
<p>Good news is, you can actually start today and teach your kids simple lessons that might save your household from a financial disaster, your kids from capitalist sharks, and yourself from a lifetime of paying debt. So how do you do that? Well here are some simple ideas to put you on the right path.</p>
<p>If your kids feel like they need an allowance increase, instead of giving them the extra cash outright, why don&#8217;t you suggest a job for them. Having a job teaches discipline and responsibility. And if they&#8217;re differently inclined, try to tell them to open up a business of their own, perhaps in Utah craft shows where they can sell the products of their hobbies. Children are more likely to value money that they worked hard for, so show them how to.</p>
<p>Open up an account at a local savings bank. Nothing teaches kids the virtue of saving more than being able to do it themselves. Discuss with them if they want to start saving some of their allowance money or salaries today and make sure that you point out all the benefits of having some money set aside for the future. You can even suggest starting up a college fund today for them.</p>
<p>You should also teach them how to budget. If you&#8217;re looking for family activities, why not ask your kids to sit down with you as you plan out the household budget and walk them through how to do it themselves on their own allowance. Teach them all about the advantages of being able to plan ahead and being well prepared for whatever the future might bring.</p>
<p>There are a lot of things that we need to teach our growing kids and one of them is definitely how to become more responsible when handling money. So if you&#8217;re one of those parents who are suffering from overspending teenagers, then you might want to start considering these tips today.</p>
<div class='resource'>
<div style='font-style:italic;' class='about'>About the Author:</div>
<div class='links'>Alix Montoya has been writing about <a href="http://www.Utahfairsandfestivals.com">festivals in Utah</a> for a long time. You can find out the latest news on <a href="http://www.Utahfairsandfestivals.com">UT festivals</a> and join in on the crafting fun.</div>
</div>
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		<title>Tips For Parents Of Kids Who Spend Too Much</title>
		<link>http://ireference.org/kids/tips-for-parents-of-kids-who-spend-too-much/</link>
		<comments>http://ireference.org/kids/tips-for-parents-of-kids-who-spend-too-much/#comments</comments>
		<pubDate>Wed, 31 Dec 2008 20:17:46 +0000</pubDate>
		<dc:creator>Alix Montoya</dc:creator>
				<category><![CDATA[Children]]></category>
		<category><![CDATA[arts and crafts]]></category>
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		<guid isPermaLink="false">http://ireference.org/kids/tips-for-parents-of-kids-who-spend-too-much/</guid>
		<description><![CDATA[If you are a parent, then you know all about the horror stories about kids let loose inside a mall with a credit card. Although, this is probably a stupid idea, especially if your children are shop-a-holics, you still need to look out for those rare moments when they do set out on their own in the commercial jungle. <a href="http://ireference.org/kids/tips-for-parents-of-kids-who-spend-too-much/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<div style='font-style:italic;' class='byline'>by Alix Montoya</div>
<p>If you are a parent, then you know all about the horror stories about kids let loose inside a mall with a credit card. Although, this is probably a stupid idea, especially if your children are shop-a-holics, you still need to look out for those rare moments when they do set out on their own in the commercial jungle.</p>
<p>Parents have the number one responsibility of teaching their children all about spending wisely. However, not a lot of parents out there dare to stand up or even completely forget all these completely. Some would even claim they don&#8217;t know how. So if you&#8217;re stuck clueless on money matter lessons, then here are a few useful tips to get your lessons started.</p>
<p>If you have a young child, it is best to let him or her discover the real value of money on their own by letting them work hard for it. It&#8217;s a well known fact that kids are more likely to give more value towards things that they worked hard for. If they&#8217;re a little older, try telling them to work or start their own business, like setting up their hobbies for Virginia craft shows. Believe me, this idea works like a charm.</p>
<p>Tell them to save up. Try and convince them that saving a portion of their allowance or their earnings isn&#8217;t a bad idea and definitely not a sign of deprivation. Sit down with them and talk about opening up a bank account. Most banks even have special savings programs for kids and teenagers. It&#8217;s a great idea to have savings account and to teach our kids how to save, even at an early age.</p>
<p>Keep a budget. And what better way to teach them about this than by letting them join in on the fun while you&#8217;re doing your own budgeting. You are doing your own budgeting, right? Well, if you&#8217;re not, do it with them. It&#8217;s a good way to lead by example.</p>
<p>There are a lot of great ideas out there on how to make our kids more involved when it comes to saving the family from financial struggles. All we have to do, as parents, is show them the way and guide them with every step they take towards a more responsible future.</p>
<div class='resource'>
<div style='font-style:italic;' class='about'>About the Author:</div>
<div class='links'>Alix Montoya has been writing about <a href="http://www.Virginiafairsandfestivals.com">craft shows in Virginia</a> for a long time. You can find out the latest news on <a href="http://www.Virginiafairsandfestivals.com">VA festivals</a> and join in on the crafting fun.</div>
</div>
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		<title>Let Your Child Learn About Money</title>
		<link>http://ireference.org/kids/let-your-child-learn-about-money/</link>
		<comments>http://ireference.org/kids/let-your-child-learn-about-money/#comments</comments>
		<pubDate>Tue, 30 Dec 2008 21:12:31 +0000</pubDate>
		<dc:creator>Alix Montoya</dc:creator>
				<category><![CDATA[Children]]></category>
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		<category><![CDATA[south carolina]]></category>

		<guid isPermaLink="false">http://ireference.org/kids/let-your-child-learn-about-money/</guid>
		<description><![CDATA[It is very surprising and disappointing to know that most kids these days are becoming more and more irresponsible when it comes to spending money. Some of them are swiping credit cards without consideration that they're spending money that aren't theirs and they are putting themselves, and probably the family deeper and deeper into credit card debt. <a href="http://ireference.org/kids/let-your-child-learn-about-money/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<div style='font-style:italic;' class='byline'>by Alix Montoya</div>
<p>It is very surprising and disappointing to know that most kids these days are becoming more and more irresponsible when it comes to spending money. Some of them are swiping credit cards without consideration that they&#8217;re spending money that aren&#8217;t theirs and they are putting themselves, and probably the family deeper and deeper into credit card debt.</p>
<p>Good news is, you can actually start today and teach your kids simple lessons that might save your household from a financial disaster, your kids from capitalist sharks, and yourself from a lifetime of paying debt. So how do you do that? Well here are some simple ideas to put you on the right path.</p>
<p>Get a job. Not for you, but for your kid. Of course, if your kid is old enough this is a very practical option. You can even convince him or her to start out their own business, maybe with their crafting hobbies in South Carolina craft shows. If they&#8217;re considerably younger, you might want to just give them simple household jobs and then reward them for good work. Kids tend to give more value to money if they work hard for it and this is the best way to show them how.</p>
<p>You also need to show them the importance of having some cash saved up. You can never tell what the future holds and it is very necessary that they are ready for whatever might happen. Discuss opening up a bank account and tell them how their money can grow through interests. You can also tell them to set up a college fund as early as today if they want something big for their future.</p>
<p>You also have to teach them how plan out their expenses and what better way to do that than by teaching them how to keep a budget of their very own. You can show them how it&#8217;s done by letting them sit with you when you&#8217;re planning up your own household budget. Again, don&#8217;t forget to show them the advantages of having one.</p>
<p>These are just a few ideas on how we can make responsibly spending adults out of our kids. You&#8217;ll never know, they might thank you one day for it all.</p>
<div class='resource'>
<div style='font-style:italic;' class='about'>About the Author:</div>
<div class='links'>Alix Montoya has been writing about <a href="http://www.southcarolinafairsandfestivals.com">South Carolina craft fairs</a> for a long time. You can find out the latest news on <a href="http://www.southcarolinafairsandfestivals.com">SC craft shows</a> and join in on the crafting fun.</div>
</div>
]]></content:encoded>
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		<title>How To Teach Your Kids Wise Spending In South Dakota</title>
		<link>http://ireference.org/kids/how-to-teach-your-kids-wise-spending-in-south-dakota/</link>
		<comments>http://ireference.org/kids/how-to-teach-your-kids-wise-spending-in-south-dakota/#comments</comments>
		<pubDate>Tue, 30 Dec 2008 18:34:34 +0000</pubDate>
		<dc:creator>Alix Montoya</dc:creator>
				<category><![CDATA[Children]]></category>
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		<guid isPermaLink="false">http://ireference.org/kids/how-to-teach-your-kids-wise-spending-in-south-dakota/</guid>
		<description><![CDATA[Are you getting worried that your kids are becoming more and more irresponsible, indiscriminate and downright inconsiderate when it comes to spending money? Are your kids spending too much than what an average teenager should spend in a week? With the financial crisis going on today, you definitely are going to need help when it comes to curbing your children's spending enthusiasm. <a href="http://ireference.org/kids/how-to-teach-your-kids-wise-spending-in-south-dakota/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<div style='font-style:italic;' class='byline'>by Alix Montoya</div>
<p>Are you getting worried that your kids are becoming more and more irresponsible, indiscriminate and downright inconsiderate when it comes to spending money? Are your kids spending too much than what an average teenager should spend in a week? With the financial crisis going on today, you definitely are going to need help when it comes to curbing your children&#8217;s spending enthusiasm.</p>
<p>You can stop excessive shopping and save you, your kids, and your whole family from a lifetime of debt and a house full of useless garbage by teaching them how to handle money more responsibly. If you don&#8217;t know what you&#8217;re doing, fret no more, because here are a few useful tips to get you started on your lessons on saving.</p>
<p>If your kids feel like they need an allowance increase, instead of giving them the extra cash outright, why don&#8217;t you suggest a job for them. Having a job teaches discipline and responsibility. And if they&#8217;re differently inclined, try to tell them to open up a business of their own, perhaps in South Dakota craft shows where they can sell the products of their hobbies. Children are more likely to value money that they worked hard for, so show them how to.</p>
<p>Open up a savings account for them. You can discuss opening up a savings account at a local bank and talk to them about how banks work. Make sure to point out the advantages of having a secure and safe bank account so they can save some of their money for future use. Point out how saving is also very useful in a pinch and how they could buy bigger and better things in the future if they save today.</p>
<p>You should also teach them how to budget. If you&#8217;re looking for family activities, why not ask your kids to sit down with you as you plan out the household budget and walk them through how to do it themselves on their own allowance. Teach them all about the advantages of being able to plan ahead and being well prepared for whatever the future might bring.</p>
<p>You should teach your kids the real deal on money today, before they start eating off their college allowance on expensive lattes and excessive shopping sprees. It&#8217;s always never too late to start out money matter lessons, until of course, it is completely too late.</p>
<div class='resource'>
<div style='font-style:italic;' class='about'>About the Author:</div>
<div class='links'>Alix Montoya has been writing about <a href="http://www.southDakotafairsandfestivals.com">South Dakota craft fairs</a> for a long time. You can find out the latest news on <a href="http://www.southDakotafairsandfestivals.com">SD craft shows</a> and join in on the crafting fun.</div>
</div>
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		<title>Ways To Stop Kids From Spending Too Much</title>
		<link>http://ireference.org/kids/ways-to-stop-kids-from-spending-too-much/</link>
		<comments>http://ireference.org/kids/ways-to-stop-kids-from-spending-too-much/#comments</comments>
		<pubDate>Tue, 30 Dec 2008 16:27:58 +0000</pubDate>
		<dc:creator>Alix Montoya</dc:creator>
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		<guid isPermaLink="false">http://ireference.org/kids/ways-to-stop-kids-from-spending-too-much/</guid>
		<description><![CDATA[There's a funny character in a popular television show who ran into a huge credit card debt and couldn't pay for it. The portrayal was funny, but the problem is far from laughable. And your kids are definitely in danger of getting into this kind of trouble if you don't do something about this right now. Youth nowadays are becoming more and more inconsiderate when it comes to spending money and you can stop this from happening. <a href="http://ireference.org/kids/ways-to-stop-kids-from-spending-too-much/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<div style='font-style:italic;' class='byline'>by Alix Montoya</div>
<p>There&#8217;s a funny character in a popular television show who ran into a huge credit card debt and couldn&#8217;t pay for it. The portrayal was funny, but the problem is far from laughable. And your kids are definitely in danger of getting into this kind of trouble if you don&#8217;t do something about this right now. Youth nowadays are becoming more and more inconsiderate when it comes to spending money and you can stop this from happening.</p>
<p>It is therefore very important that we, as parents, teach our children the importance of handling money responsibly. There are a lot of other activities that we spend our time on, why not try bonding moments with your kids by teaching them how to be more responsible when it comes to buying things.</p>
<p>You have to show them that money is something that is earned with hard work. And what better way to let them see this than by letting them work for it. You can actually suggest jobs to your older kids and let them learn that money is earned and should not be taken for granted. Or you can help them start out their own business, perhaps from their hobbies through Texas craft shows.</p>
<p>Convince them to start a savings account in a bank. You can tell them all about the advantages of having some money saved up like getting it to grow with the interest. This is especially helpful if your child is saving up for something big in the future like a car or even for college.</p>
<p>Another great idea is to teach them how to budget their cash. This is a great way to allocate portions of their allowance or earnings, if you&#8217;ve convinced them to have a job, for certain things that they might find necessary in everyday life. It also makes sure that they&#8217;re always saving something after a regular period of time.</p>
<p>It is important that kids these days learn how hard it is to come by for some money. We have to take some time out of our own schedules and show them that money should be handled responsibly and not just thrown away at senseless shopping sprees every other day.</p>
<div class='resource'>
<div style='font-style:italic;' class='about'>About the Author:</div>
<div class='links'>Alix Montoya has been writing about <a href="http://www.Texasfairsandfestivals.com">Texas craft fairs</a> for a long time. You can find out the latest news on <a href="http://www.Texasfairsandfestivals.com">TX festivals</a> and join in on the crafting fun.</div>
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