Friday, April 18, 2014

Lemon Cupcakes

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Some posts simply don’t need many words.

lemon cupcakes

This is one of those posts.

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Lemon Cupcakes. Yummmmmmy!

 

The Nitty Gritty:

I used the lemon buttercream from the Wilton website

I may or may not have used boxed cake mix a secret recipe for the cake itself

The lemon peel garnish is grated lemon peel tossed in sugar

I used a combination of tips #124, #97, 2D, a small star and small round tip to create the different icing techniques you see here. The flower technique can also be found on the Wilton site.

The yellow candy center is none other than lemonheads. Fun, huh?

Wednesday, April 16, 2014

Yellow Cupcake Roses with Red Tips

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This bouquet of yellow roses with red tips was created for an Options Pregnancy Resource Center volunteer appreciation banquet. It started out as plain yellow roses, but I decided to try hand painting the tips with a pinkish-red food coloring.

I used a basic buttercream icing and Wilton 1M tip (2D works too!) to create the roses. After I piped the roses I refrigerated the cupcakes to let the icing stiffen enough to paint the tips.

For a rough tutorial on putting a bouquet like this together, see this post.

The embellishments are a combination of tissue paper and fake flowers. I happen to have found all of the necessary supplies to make this bouquet at my local Wal-Mart.

After the fact I found this video tutorial which seems like a much easier way to accomplish a similar look: https://www.youtube.com/watch?v=_8SYhPFLYEA. Live and learn I guess! This video will also show you how to create the rose technique itself. You’ll be amazed at how simple it actually is!

Monday, April 14, 2014

10 ways to help your children SPEND WISELY

Raising Money Smart Kids

In our own personal household budget, every dollar has a name before the month begins. We don’t look back over receipts and accounts to figure out where our money went. Instead, we have a plan and we stick to it. We put a certain amount of cash from each paycheck into envelopes for all of our discretionary spending, and we put a small amount onto our debit card each month to catch the crazy stuff we could not have anticipated at the beginning of the month. In fact, we call it our “crazy” account. Any dollar that comes into our house goes straight to a predetermined specific place. When it’s gone, it’s gone.

If we got an unexpected windfall of money, no matter the amount, I can tell you without question where it would go. We would put it toward our current Financial Peace baby step. For us right now, it’s baby steps #4 (15% toward retirement), #5 (kid’s college) and #6 (paying down our mortgage).  I know… we’re weird. But normal is broke, so we don’t want to be normal! (But, in all fairness, if we suddenly got a large unexpected windfall we might rearrange some choices and priorities to make room for some of the things that just haven’t been in the budget up until this point.) We have a plan and we do our best to stick with it, but we aren’t so rigid with it that we can’t make exceptions.

Let me give you the quick overview of what we do with our money:

We give some, we save some and we spend some.

It’s already awkward sharing our money principles with the world wide web, so I won’t go in to specifics about how much we spend, save and give, but I will give you this:

We spend more than we save and we save more than we give.

If you want to know more of the nitty gritty, take Financial Peace University or read Total Money Makeover. We follow many of those principles but we put our own little spin on a few things that we’ve found work best for our family. Of course, if you are local, we’re always happy to delve into the details a little more for people who are looking for some specific money advice. We are very passionate about helping people win with money because we’ve seen firsthand what a difference it makes in our own lives.

The people that we are most passionate about helping are our kids. The biggest and most lasting impact we will have on anyone is our children. As I mentioned in my article 10 Tips For Raising Hard Working Kids, my husband and I believe that what we teach our kids about work and money will have a bigger impact on their future than almost anything else outside of choosing to trust Jesus and choosing who they are going to marry.

It is important than that we not only teach them how to work hard, but also, how to spend well. After all, they can make a great deal of money by working hard, but if they are a fool in how they spend it, they are likely worse off then someone who makes very little money, but spends it well.

What does it look like to teach kids to spend well?

Here are some of our favorite family tips and tricks:

1.) Help your kids create a plan: Since our kids got their first job charts at age 6, they’ve been getting leeann envelopespaid a quarter per job. We pay them once a week or so and 10% goes in their giving envelope, 40% in their car fund and 50% in their spend envelope. They can spend their spend money *almost* any way they want, but the kicker is that they must have a plan. There is a spot on their job chart for them to write what they are planning to spend their money on.

(This picture is of Leeann making her first purchase using her own money. She worked hard to buy her very own Nintendo DSi!)

2.) Help them stick to their plan: We don’t let our kids walk around with money in their pockets looking for a place to spend it. We are trying to help our kids make decisions based on logic instead of feeling. It feels good to get that pretty thing that spins and shines because it’s right in front of their face and they are a human being that craves instant gratification—but making a habit of seeking instant gratification will leave them in a perpetual state of being broke. I don’t expect my children to make anything other than childish decisions (like seeking instant gratification) without adult help, so we “help” them by making them stick to their plan.

3.) Let them be flexible with their plan: “Wait, I thought you just told me to help them stick to their plan?” I did. But really, there will be times where something comes up (recently for us, it was a Book Fair at school), or your kids find something else they’ve also wanted on sale at a really great price. When these things come up, a change in plans must be parent approved. They have to be able to give us a logical reason for why they want to change their plan. But as long as it’s a reasonable, logical request—we’re happy to grant it.

4.) Allow them to make mistakes: This one’s hard for me. So often I want to stop my kids from making foolish purchases. I know full well that they are just about to spend their hard-earned money on something that’s going to end up in a pile of plastic pieces under their bed in 3 days or less. Guaranteed. But most of the time, I *cringe* let them make those purchases anyway. Why? Because it’s a cheap lesson to learn. I would rather let them make small mistakes with small amounts of money now then watch them make big mistakes with large amounts of money down the road.

4.a.) Steer clear of worthless things: I do try really hard, and yes, usually even forbid my kids from spending money on arcade games, quarter candy machines and cheap kiddy rides at the mall. I know it flies in the face of #4, but a mom’s gotta draw the line somewhere!

5.) Talk to your kids about their mistakes: I talk with my kids before they make purchases that I think are going to be foolish and try to help them see the folly in what they are about to do. Then, if they are determined, I let them make foolish purchase in spite of my warnings (see #4). Usually, I end up getting an opportunity to talk with them at a later point and help them connect the dots between my warnings and what actually ended up happening. It’s scary to be right so often *mwahahahah*! Teaching kids how to spend well requires a lot of… well… teaching.    

6.) Don’t EVER let them go into debt: We are extremely passionate about raising our kids to understand the foolishness of debt. It is our sincerest hope that they will take all of these lessons we are trying so hard to teach them while they are young—and use them to become money-smart adults who are wise, hard working, generous members of society. It’s much harder to be those things when you are saddled with debt. We want our kids to always know the financial freedom that comes along with being debt-free. In order to solidify this lesson we have established a policy where won’t purchase something for our kids and let them “work it off”. They either have the money for it or they don’t. We also don’t lend money to our kids and we don’t allow them to borrow money from each other either. The only exception to this is if I know they have the money to cover their purchase in their spend envelope at home when we find ourselves in one of those “flexible” moments (see #3).  

7.) Help your kids find good deals: Your kids will need help navigating this big wide world of coupons, dsisales-cycles, comparison shopping and on-line purchases. Kids learn by example, but not just by watching you do it; bring them alongside of you and let them help in this process. If they can’t do something themselves (like cut coupons or do an on-line search) then make sure you dialogue with them about what you are doing and how much you are helping them save by taking these extra steps.

(We helped Leeann find a screaming deal on her DSi by combining a coupon with a limited time store sale. This was a huge moment for her because she met her goal far sooner than she would have imagined!)

8.) Define what spending well means in your household: Different families have different value dsi2systems. Talk with your kids about why you make the kinds of purchases you make. Are you willing to spend a little more to buy something made in America? Something handmade? Something that supports small local businesses? Something earth friendly? Something organic? Something whose proceeds go to a cause you support? Something high quality? Something with lasting value? Whatever it is, don’t forget to talk regularly with your kids about what you believe and why you believe it. I think this stands true not only for moral beliefs but also for money beliefs. 

9.) Tame the Grandparents: If you are trying to be intentional about raising money-smart kids, you will eventually find that you need to have a conversation with the grandparents (or Aunts, Uncles, babysitters, etc.) and solicit their buy-in. Ask them to run any intended gift purchases by you to make sure they aren’t just giving your child something they’ve been working hard to purchase themselves.

9.a.) The exception: My tune on whether or not it’s okay for the grandparents to spoil my kids changed a grands 1little when my husband’s mom died all-too young. We now stand by the adage “Grandma’s house, grandma’s rules”. However, it doesn’t mean that we forgo having those tough conversations to do our best to make sure Grandma isn’t sabotaging our efforts to raise money-smart kids.

When we went to Circus Circus in Reno with my mom and step-dad last summer my mom gave them some money to spend. I made my kids budget the amount they were given over the days we were going to be there and gave them strict instructions not to ask for any more. However, they were told that they could graciously accept any additional money with a “thank you”. It was hard to enact #4 and especially #4.a., but again, sometimes rules have exceptions!  

10.) When it’s gone, it’s gone: Please, for the love of all things good and holy, don’t let your child think of you as a glorified ATM. That’s not how the real world works. If kids aren’t able to make the work=money connection, they will find it very easy to spend money on foolish things. Because my kids have learned the cold hard truth of “when it’s gone, it’s gone”, they have become very thoughtful about how to make the best use of their money.

 

These are some of our family’s favorite tips and tricks for helping our children to spend their money wisely. If you are looking for a comprehensive guide to help you teach your children to become money-smart kids, I can’t encourage you strongly enough to pick up the book Smart Money Smart Kids by Dave Ramsey and his daughter, Rachel Cruze. If you pre-order before April 22nd, you also get $50 in cool freebies!

 

You are reading a series about Raising Money-Smart Kids that I am writing as part of a Smart Money Smart Kids book launch team. We are often asked what we do to teach our kids about money and good stewardship. In this series I will share our story along with some of our best loved tricks and tips for helping kids win with money in a debt-filled world. Click here to read more posts in this series.

Tuesday, April 8, 2014

10 Tips For Raising Hard Working Kids

Raising Money Smart Kids

If you work you get paid.

If you don’t work you don’t get paid.

It seems like such a simple truth doesn’t it? But that simple truth seems to get lost in a world where everyone is trying to get something for nothing. It definitely doesn’t sink in to the minds of our kids without intentional effort on the part of the parents.

If we don’t teach them this simple truth while they are children, they may end up not learning it until they’re sitting at the bottom of a huge mountain of debt and despair.

My husband and I believe that what we teach our kids about work and money will have a bigger impact on their future than almost anything else outside of choosing to trust Jesus and choosing who they are going to marry. It is a BIG deal.

We are determined to have hard working kids, but hard working kids aren’t developed on accident. It takes time, intention and effort on our part. 

10 Tips For Raising Hard Working Kids

1.) Teach by example: More is caught than taught. If you already have kids, you know that this truth stands without further explanation.

    • Encourage them to help you with household chores and mundane tasks. Use this time to build your relationship and also to teach them how to do household jobs well.
    • Take your kids along with you to your place of employment and let them work with you for you a little while. 
    • Take your kids with you to help others. Are you helping a family move? Mowing a neighbor’s lawn? Cooking a meal for a new mom? Invite your kids to participate and they will learn the art of working and the joy of giving.

Pictures

I work as a Standardized Patient at a local Medical University. My daughter has not only been able to come to work with me, but she’s also performed a pediatrics case with me on a number of occasions. She gets paid (rather well, actually) for her hard work and it’s been a great experience. My son is doing his first case in a couple of weeks too. It’s not a typical opportunity for grade-school children, but if you’re willing to think outside of the box you will find that opportunities do exist to help kids gain valuable real-world work experience.

2.) Create opportunity: When my daughter was six she wanted a Nintendo DS. We had just done a complete overhaul of our own financial lives and knew that we would be missing a huge opportunity if we didn’t pass our newfound knowledge along to her. We told her she was going to have to work for it, but that we would help her find opportunities to earn money.

Together we made a plan to sell Italian Sodas at a friend’s garage sale <---- think modern day lemonade stand. We invested in syrups and ice but she bought the cups, straws, cream and soda and whip cream with her Birthday money.

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I emailed all of my local friends and told them about her desire to earn money to purchase a DS. People came from far and wide to help her reach her goals. It turns out people get pretty excited to help a kid work for something they want!

This experience set a foundation for my daughter to learn some basic business lessons like supply and demand, cost of goods, profits margins, etc. Each time she does a little business venture (of which there have been several) she adds to her knowledge and understanding of business and money.

Of course I had to work quite hard myself, but it was more than worth it because she learned one of the most valuable lessons of her life that day—if you want something, you work for it!

3.) Reward their efforts with praise: Liberally praise your kids for their effort. The youngest of children will work diligently and tirelessly to know that you are proud of their effort. Even children only 6 months-old try their best to crawl when they see you delight in their efforts. In my experience, this is predictably true with kids of all ages.

A four year old child’s bed will look messy when they “make it”, but if you praise their efforts, they will keep trying and quickly turn into a 6 year-old kid whose bed is well made.

If you wait to praise them until the job is well done, they may never stick with the job long enough to learn to do it well. Well placed praise is a powerful motivator!

4.) Reward their efforts with money: In our house, my kids have specific jobs that they can do to earn money. We pay $.25 per job. They have four jobs that they can do each day to earn money. If they don’t work, they don’t get paid. They also have an opportunity to earn a “bonus pay” at our discretion. We award bonus pays for things like showing initiative, working diligently or doing a job outside of what they normally get paid for that’s above and beyond their household responsibilities.

You can learn more about our job charts and how our kids spend, save and give their income by reading this post.

5.) Let them spend some of their money right away: I know this one might sound a little odd, but the quickest way to motivate a child to become a hard worker is to reward them as quickly as possible after a job well done. The older they get, the longer you can go between the work itself and the reward. But regardless of age, if you’re just starting out on this road of teaching them to be hard working kids, make sure you reward them quickly and let them spend the bulk of their money however they please as soon as possible after they’ve done the work.

Yes, this includes letting them spend money on cringe-worthy things like dollar store toys, silly fads and food that you know isn’t good for them and will be fully consumed within minutes. There are a lot of lessons to be learned in letting them “waste” their money at a young age when the amounts are relatively inconsequential—but that’s fodder for a different post.       

6.) Encourage their strengths: This Fall my son (who was 7 at the time) was raking leaves in our front yard for a little extra cash because he was very close to having enough money for something specific he’d been saving for. A neighbor saw him working hard and offered to pay him to rake their leaves while they were gone for a few days. They had just put their house on the market and wanted to make sure the leaves were raked daily.

My son hesitantly accepted. You see, he’s not naturally a hard-worker. Well, not in the traditional sense. He seems to have little desire to exert physical effort to do something he doesn’t want to do unless he sees some personal benefit from it. He has one of those exceptional minds that analyzes every situation and always tries to come up with a “better” (i.e. less effort) way of doing things.

He asked if he could bribe hire his older siblings to help. At first I was tempted to say no, he had to do it himself. Then I realized that he’s actually very likely to be a manager/boss/diplomat/CEO/world leader/master leavesmanipulator someday. I figured this actually would probably line up well with what he may very well spend his life doing, so I let him sub-contract his job so long as he worked alongside of them too. One day he even hired the girl who carpools with us. I explained that he didn’t know how much he was getting paid for this job so he ran the risk of having to pay them from his own spend envelope if he didn’t make enough.

That was a risk he was willing to take. In fact, because it was getting dark so early and it was so stormy, it ended up being a necessary move since he only had about 20 minutes worth of light after he got done with swim practice. The job was bigger than he could do alone with the time that he had.

He used his brains more than his muscles for this job, but I really I think his brains are going to be his hardest working money-making muscle anyway, so I’m grateful that I had the insight to let him work within his strengths. You’ll be happy to know that he had plenty to pay his employees and still have enough left over to help him meet his goal!

While my son is extrinsically motivated, my 10 year-old daughter is intrinsically motivated. She will work tirelessly all day long to serve people simply because she loves to help. Our 17 year-old foster daughter is a whole different ball of wax. She’s motivated to work by logic in that her wants are more on the spendy side, like wanting to earn enough money to go out with friends or buy a formal dress for a dance. We have to approach our parenting techniques from different angles to account for our kids’ individual personalities. This is true in every area of parenting—and raising money-smart kids is no exception.  

7.) Help them set reachable goals: Confidence and self-esteem are built through setting goals and reaching them. Help your kids develop age-appropriate goals that are SMART: Specific, Measurable, Attainable, Realistic and Time Bound.

When they set a goal and reach it, they develop internal motivation that will spur them on to working hard to reach their next goal, then their next one, then another one after that. In time, they will become hard working kids.

8.) Help them reach their goals: Once your child has set a SMART goal, become their biggest cheerleader. Be careful not to to reach their goals for them, but do work with them to help them accomplish what they’ve set out to do. They’re not miniature adults. They need adults to walk alongside of them and work with them to teach them how to work for what they want.

Even though teenagers look like adults, they still need our guidance too. They still need a cheerleader and coach to help them reach the goals they set.

9.) Strike a balance between work and family: I am a firm believer that kids need to have regular on-going opportunities to earn money if you want them to learn about money and how it works. Practice makes perfect! However, I’m also a big believer of kids doing jobs around the house just because they are part of the family.

In our house we have a set number of jobs that each of the kids get paid for (4 each) and the rest of the things they do just because it takes effort from all of us to keep our household running smoothly. We choose to pay them for setting the table, clearing the table, washing the table, emptying the dishwasher, switching loads, taking out the recycling and checking the mail. These jobs get switched up and rearranged from time-to-time, but the principle remains. They are welcome to work to their hearts content and we’re always happy to find extra jobs for them if they’re looking for extra work, but everything else they do just because they’re part of the family. 

10.) Provide for their needs and provide opportunity for them to work for their wants: I am not a magic genie. I don’t ever want my kids to think of me as one either. I am a parent and I’m determined to be the very best parent I can be. Therefore, I will provide for their needs to the best of my ability and I will provide them with an abundance of opportunities to work for what they want.

We take a certain amount of money out of each paycheck that we put aside to pay our kids for their jobs. We WANT them to be hard workers so we give them lots of opportunity to work for what they want. The only way they’ll learn to be motivated to work for what they want, however, is if they are responsible to purchase the things they want with their own money.

Think about this. Your child wants a $10 Lego set. You want them to have this Lego set. You could either 1.) Go out and buy the set and give it to them yourself. Or 2.) You could could help them reach their goal by providing them with opportunities around the house to work for the money to buy it themselves.

Either way they get the Lego set, but if you make them work for it you are helping them build life long survival skills and you get cheap labor. I’d say that’s a win/win… and a no brainer!  

BONUS: Read the book Smart Money Smart Kids: Dave Ramsey and his daughter, Rachel Cruze have recently written a book that puts all of the Ramsey family wisdom on raising money-smart kids in one place. Most of the ideas we’ve put into practice in our own family have come from being students of Dave Ramsey’s materials for the last five years. I recently received an early-release copy of this book and I assure you that it is well worth your time and money.

You don’t have to take my word for it—you can read the first two chapters yourself by going to the Smart Money Smart Kids webpage and entering your email address at the bottom. If you choose to pre-order the book before April 22nd, you can also get $50 worth of cool “freebies”.

 

You are reading a series about Raising Money-Smart Kids that I am writing as part of a

Smart Money Smart Kids book launch team. We are often asked what we do to teach our kids about money and good stewardship. In this series I will share our story along with some of our best loved tricks and tips for helping kids win with money in a debt-filled world. Click here to read more posts in this series.

Thursday, March 27, 2014

Raising Money Smart Kids- It Starts With The Parents

Raising Money Smart Kids

I truly believe more is caught than taught . . . that what your kids

see you do is a lot more powerful than what they hear you say.

Words can be strong, but actions are stronger. The strongest impact on children, though, is when they hear and see a consistent message from

their parents. When the parents’ words and actions come together, it

forms a powerful statement about that family’s value system.

~ Rachel Cruze

Excerpt from Smart Money Smart Kids

Because I know that more is caught than taught, I knew that helping our kids learn to win with money had to start with us learning how to win with it first. Our world, and my own personal concept of money, flipped upside down in 2009 when we were first introduced to Dave Ramsey’s Financial Peace University.

We started working the baby steps and following his plan. We made an agreement amongst ourselves that unless we both agreed to do something different, we would follow Dave’s recommendations to a “T”. The only exceptions would be where we both agreed that it made sense for our family to break from the agreed upon course. Then and there, all of our money fights disagreements disappeared.

We already had baby step 1 finished (to save $1,000), so we jumped right in to baby step 2—Dumping debt with a vengeance.

To make a long story short, we had nearly $25,000 in student loans, medical debt and an outstanding pledge we had made to our church’s building fund that we felt we needed to pay as if it were a debt. A large chunk of the income from my 20 hour per week Children’s Ministry Director position went toward these debts. I was juggling life with young kids and working to pay back things we had already experienced (namely college and an unexpected ambulance ride when my husband hit his head on the slide at a water park). We were up to our eyeballs in monthly payments, still trying to squeak by on a combination of Rob’s associate pastor’s salary and my part-time income. 

During this time we had four preschoolers at home. Yes—four. We became foster parents to my much younger half-siblings who happen to be born in the same years as my own children. They were 3, 4, 5 & 5 years-old. It might go without saying that I’m pretty sure 2009 was the year my hair started to turn gray.

Rob also started his transition in to the Lead Pastor role that year so he was now preaching most Sundays. 

Clearly, with all of this stress in our lives, this was an obvious time to cut out any and all non-essential spending, right?

Really, there’s never an ideal time to do it, but I knew it needed to be done. The sooner we could get out of debt, the sooner we could experience financial freedom. The stress we were experiencing at home and at work was only magnified by the fact that we had these debts hanging over our heads.

For the first time in our lives we realized that we could take control of our own financial future. With some hard work, planning and sheer determination, we knew we could find the light at the end of the tunnel. The added stress of tackling our debt was actually freeing because we knew that every time we said “no” to purchasing something, we knew we were that much closer to being debt free. Once we were debt free we could actually live off of Rob’s income and I might finally have the opportunity to stay at home and enjoy my little kids without trying to figure out to squeeze 20 hours worth of work into each week as well.

Of course it might be worth reminding you that I had 4 preschool aged kids at home, so lets be honest, I actually found going to work to be a reprieve at that particular stage in life!

But I digress.

We took our small group through Financial Peace and decided to wage an all out war on our debt. We were able to tackle the ambulance bill right away then took that $40 per month and put it toward our next smallest debt. When we paid that off we put both monthly payments into the next debt, and so forth and so on.

We also started selling stuff. In fact, we sold so much stuff the kids thought they’d be next (<--It’s a Dave Ramsey joke)! If we didn’t need it, use it daily or love it dearly, it was on the chopping block. We wanted so badly to experience this financial freedom Dave had spoken so much about.

Additionally, we cut our expenses to the bare minimum. We started living on a rice and beans budget. This was actually the start of my vegetarian ways because we stopped buying meat and I realized that I didn’t miss it one bit!. We didn’t purchase a thing if it wasn’t in the budget. We started paying cash for everything and analyzing every purchase.

Finally, at the end of every month we took whatever money we had left over from our foster care payments and threw that at our loans well. Of course, the needs of the kids always came first and we made sure they were well cared for, but we found that there was always some left over. 

We originally calculated that it would take us 4 years to get out of debt. However, the closer we got to getting out of debt, the more desperately we wanted to reach our goal. The closer we got to our goal the more we scrimped and saved and worked and paid. I must admit—we almost became obsessive about it. We were absolutely determined!

In the end, it took us 14 months to pay off $25,000 worth of debt. That was one of the most glorious days of our lives! We were finally FREE and we knew that we wanted our kids grow up never getting into the bondage of debt in the first place. 

Our preschool aged kids were watching us throughout this process. They were also watching a whole lot of Dave Ramsey. Every time we put the FPU videos on in our living room they would run downstairs, plop themselves on the floor in front of the t.v. and listen to Dave speak as if they actually knew what he was talking about. The way he captivated them would give you reason to believe that they were honestly actually taking some of this information in. It became obvious that they really were when they loudly and awkwardly questioned us when using our “credit card” (which was actually a debit card). “Dave Ramsey says credit cards are bad, mom!” they would proudly and piously announce at the tender ages of four and six.

This was the beginning of a new chapter of our lives. No longer did we believe that the only good things we would ever receive would be due solely to someone else’s generosity. Dave Ramsey’s principles gave us the tools and skills and we needed to take control of our own financial future. We still fully and completely trusted God for our finances and our future, but we slowly began to realize that choosing a life of full-time ministry didn’t necessarily mean taking a vow of eternal poverty.

To effect lasting and permanent change we knew that we couldn’t do this alone—we needed to bring our kids along on this journey with us. Therefore, we set out with intentionality to raise money-smart kids in a debt-filled world. I am excited to give you more details of exactly how we did that in the weeks to come!

You are reading a series about Raising Money-Smart Kids that I am writing as part of a

Smart Money Smart Kids book launch team. We are often asked what we do to teach our kids about

money and good stewardship. In this series I will share our story along with some of our best loved tricks and tips for helping kids win with money in a debt-filled world. Click here to read more posts in this series.