Passing on Positive Money Habits to the Kids

5 tips for passing on postive money habits to kids

Raising children is an extremely rewarding experience, but it requires a great deal of patience and teaching. While many parents teach their kids the basics of life, many of them leave out financial lessons. If you want to make sure that your kids learn how to handle money appropriately when they become adults, you have to teach them about budgeting and financial responsibility at a young age. 

Passing on Positive Money Habits to the Kids

Here are a few strategies that you might want to try when it comes to teaching kids about positive financial habits:

1. Teach Kids About Money Early

While you may be inclined to not bother your kids about money when they are young, it’s generally a good idea to at least introduce them to it early on in life. When they are very young, just a basic introduction of what money is and how it works will suffice. When kids become familiar with money early on, they will be much more likely to understand more complex financial topics later on.

2. Teach Them About Goal Setting

Once your kids are a little older than just learning about what money is, start teaching them about the importance of goal setting. While this applies to every area of life, it is especially important in regards to finances. Show your kids that they need to have some kind of financial goals to shoot for or they will most likely end up being disappointed in some way. Show them how to think about what they really want financially and then write it down. Written goals typically have higher success rates than those that are not specified in some way.

3. Give Them an Allowance

Perhaps one of the best ways to teach kids about money is to give them an allowance. They should have to do something around the house in order to earn their allowance, but you should give them something on a weekly basis. This way, they’ll have some money that they can use as they see fit. This will teach them early on that if they blow it all at the candy store one day, they won’t have any left over to buy things with the next day. Their allowance should also increase over time so that they can earn more as they get older.

4. Show Them How to Save Money

Showing a kid how to earn money is one thing, but showing them how to save it is another. If you can develop a certain level of frugality in your children, they’ll most likely understand how to save more money over time. Show them how to look for coupons and how to redeem them.

Teach them how to find coupon codes for Nordstrom (or any other store) online and then how to redeem them in the online store. Show kids how to join a shopper’s club at the grocery store and save money on all of your purchases. Teach them about the weekly specials at the super market and any other tricks that you know about saving money. With this information, they’ll be much smarter shoppers when they use their own money in the future.

5. Open an Account

When you feel that they are old enough to handle it, consider opening some type of a savings account for them. You might even want to get them a Roth IRA if they are interested in saving for the long-term. This way, they can learn the power of compound interest as well.

With these strategies in mind, your kids will be much more knowledgeable about financial matters when they get older. You’ll be able to help them in a big way with these simple lessons.

Learn to Read in 40 Hours: Higgs Phonics Review

higgs phonics reading system review

The Higgs Phonics Reading Program is designed to teach a person to read in 40 hours (1 hour each day for 40 days). The program is supposed to be geared toward 9 year olds and up but I think it has been very helpful to our 6 year old. She struggled with reading in kindergarten so I really wanted to find a reading program and work with her over the summer. She’s had a difficult time sounding words out and blending, sounds together to hear/read words. While she has no trouble with site words as she can memorize and recognize certain words by looking at them but problems with sounding out words she didn’t know, with Higgs Phonics she is getting much better at that. Given her age and attention span we do not work on the lessons in the book for an hour each day, but we take it slow and let her go at her pace. She really seems to enjoy the exercises in the first volume some are more challenging for her while other are fun for her to do.

helping kids learn to read

The Higgs Phonics Program consists of 4 books, 3 workbooks and a teachers manual, which I’ve found helpful to me while working with my daughter on this reading system. higgs phonics

Volume 1 – Working Out With The Alphabet
A must-have for beginners and great for “reviewing”.  The first volume includes alphabet letter shapes, consonant and short-long vowel sounds. There are over 300 fun exercises in this book for learning and practice.

higgs phonics 

Volume 2 – The Word’s Greatest Secrets
This volume is designed for a 3rd Grade reading level and up. Volume 2 teaches little-known phonics rules and decoding skills. Guaranteed to take all the mystery out of reading 90% of all English words. Blends, diphthongs, digraphs and lots more will leave you a fluent reader. Over 500 skill building exercises!

higgs phonics 2


Volume 3 – All the Parts of Language Arts
Volume 3 teaches students about prefixes, suffixes, and combining forms. It includes lessons on dictionary skills, eight parts of speech, and punctuation. Writing & spelling traps are thoroughly explained. Meanings are given for over 80 root words, prefixes and suffixes. After completing the series, fluency in reading will greatly improve. This one contains over 2,500 words to decode!
higgs reading program

Teachers Manual
The Teacher’s Manual was created to enable the teacher to feel confident, secure and well prepared in guiding their students through each volume. It presents a road map and framework for teaching phonetic-based reading skills. Students become actively engaged in the learning process, whether in class or in independent reading. The Teacher’s Manual also includes reproducible class and student evaluation forms to help educators evaluate students. This will assure that the students are reaching the progress goals of the curriculum



You find more information on the Higgs Reading Product and purchase information from their website.


I received one or more of the products mentioned above for free using Regardless, I only recommend products or services I use personally and believe will be good for my readers.

Textbooks are expensive!


As some of you may know, I am a homeschool mom. I homeschooled my daughter since the first grade, and my son has been home schooled since his very first day of kindergarten. It’s been a lot of hard work at times, but I’ve never regretted homeschooling; the rewards outnumber the drawbacks a million to one! Being able to experience my kids’ learning, growth, and development firsthand is something I would never give up.

And the years just flew by…

Last year my daughter finished high school and started taking college courses online. I was thrilled, of course, but when we were preparing for her first quarter, we ran up against an unexpected roadblock: textbooks.

Of course, you always hear about how expensive college textbooks can be, and I sort of remembered being outraged 20 years ago when hubs was in college, but I wasn’t really prepared for the sticker shock!. We were looking at more than two hundred dollars for books she would only be using for one quarter! What followed was tons of searching online for better options. We looked at used book sites, and those had a couple possible options, but many of the used textbooks were actually more expensive than new ones would be, and many of the textbooks weren’t available secondhand at all–new editions of textbooks often come out too regularly for the required edition to be available used. 

So we looked into renting textbooks. This was where I let out a big sigh of relief. Renting textbooks cost only a fraction of what it would have cost to buy them new. We saved over 70% for her first quarter and close to that her second. Do you have anyone in your family that is in college? What did you do about textbook costs?

My Job Chart: Financial Literacy for Youth

mjc financial literacy

  •, an online chore chart was designed to teach young people the concept of responsibility, work ethic and the value of money by giving them a way to earn points for completing their chores.
  • The free site has always offered a way for young users to ‘spend’ their points on rewards they want, ‘share’ what they earn with a chosen charity, or to ‘save’ for the future.”
  • Kids are able to experience the tremendous rewards of earning money for themselves and then of accumulating that money and saving for the future. As they do this they will get a $20 bonus into each child’s account just for signing up for a kids savings account.
  • My Job Chart is easy of use and the high-tech approach have made a hit with more than 140,000 kids in just over a year since its inception with kids completing over 9.4 Million chores using the site!

Homeschooling: Challenging with the potential for joy

Homeschooling: Challenging with the Potential for Joy

Homeschooling is both a challenge and a joy.  The day to day tasks can become cumbersome and being together 24/7 can occasionally put a strain on relationships. But it is through the togetherness and learning as a family that some of the best memories can be made.


Along the way, I noticed that some subjects were more of a joy to teach.  Often times, it was more fun to teach the subjects the boys wanted to learn. But, what surprised me when reflecting on Picking My Favorite Subject to Teachis that the area in which I feel the weakest brought me the greatest joy.

Teaching my younger boys to read gave me such satisfaction in seeing them acquire the skill sets they needed to become life-long readers.  As a definite book worm, this brought a smile to my face.  But, beyond that was knowing that this essential skill had been acquired and I was capable to teaching them without having spent years training for it.  No child is being left behind in my house when it comes to reading and comprehending! 

Reflecting upon the hurdles we faced when one son struggled to ‘get’ the phonics patterns, I can see that patience, faith in a child’s ability and perseverance got us through.  All of which are good things to remember when faced with any obstacle or challenge.  So I would say that the teacher learned something along the way, too.

And, that is the essence of why homeschooling can bring me great joy.  I get to learn alongside my boys!

Laura O in AK homeschools her boys up in the Last Frontier (aka Alaska!)  You can follow along with their journey through life at Day by Day in Our World.

Laura O’Neill

Day by Day in Our World

A Catholic homeschool family with four boys sharing from their lives in Alaska as well as product reviews and giveaways.

Why Choose Home Schooling?

 This is a guest post.
Why Choose Home Schooling?

At one time, homeschooling was considered a radical choice, but it has become increasingly popular, as families are learning about the many benefits that come from teaching our children
outside of the normal school venues. So, why is it, that so many families are turning to homeschooling, as the primary form of educating their children?

There are as many reasons to home school, as there are “types” of homeschooling. Some choose the home school route for religious reasons, others, because of overcrowding in
both public and private schools, and many choose to school at home, due to their children’s individual learning styles, medical, and/or emotional needs. Safety issues are another mounting
factor, as is the quality (or lack thereof) of the education, that children are now receiving in many mainstream school arenas.
Who better to structure a child’s learning system, than a child’s family? Parents, grandparents, aunts and uncles, are, after all, a child’s most influential source of knowledge, and set the basic
value system that one carries throughout life. We are our children’s foremost teachers. We put our children’s needs, interests, and assets, ahead of the norm of, “teaching to standardized

To be able to create a safe, comfortable, and inviting learning atmosphere, benefits both child and caregiver. Homeschooling can strengthen family bonds, broaden the scope of learning, and
actually increase a child’s ability to learn to cope in an ever increasingly scary world. Learning takes place everywhere, NOT, just in the traditional classroom. Education begins at home…why
not keep it there!


Owner of Libby’s Library of Giveaways & Reviews – Books*Products*Services*

I have been married for almost 38 years to the most wonderful man in the world. We
have 10 children and 17 grandchildren. I am a native Floridian, and look forward to the
time when we can move back to my home state. I’m an avid reader, scrapbooker, and
blogger. I’m an animal nut, and adore dogs. I have 3 furbaby pets, and one Service

Our children have gone to public schools (mainstream and magnate), private schools,
and have been homeschooled. The youngest just graduated from High School this past
June, and we are now empty nesters after having children in our home for 36 years.

Banning nut products from schools, two sides of the issue

I’m allergic to bees. I always keep an epi-pen handy and as much as I love the summer- I always feel a little relieved when the cold weather sets in so I don’t have that worry in the back of my mind. Anaphylaxis is terrifying, regardless of your age.  Anaphylaxis is a severe, whole-body allergic reaction to a chemical that has become an allergen. After being exposed to a substance such as bee sting venom, or traces of a certain class of food, the person’s immune system becomes sensitized to it. On a later exposure to that allergen, an allergic reaction may occur. This reaction happens quickly after the exposure and is severe.  Among reactions  are the following: abdominal pain or cramping, abnormal (high-pitched) breathing sounds, anxiety , difficulty breathing,difficulty swallowing, slurred speech and many others- sometimes it’s fatal. I read a sad story here about a young man that just died due to a peanut allergy.

As I read about how his parents donated his organs, I just wept.

Across the nation, schools are creating controversy by banningsome foods from campus. I was recently reading about a school in Florida that made headlines when kids returned from Spring Break and found that they “had” to wash their hands before and after lunch- other schools want to ban outright nut products. This is one of those issues that is easy to look at from both sides of the debate. On the one hand, if your child could die due to coming into contact with traces of peanut, perhaps from the hands of another student who had PB & J for lunch and left some behind on the chair or desk, or on the playground or perhaps a child had a cookie and some crumbs were scattered and your child inadvertently came in contact with them, obviously banningmakes sense. The potential for a serious reaction is huge. . On the other hand, asking hundreds of families to change their shopping habits and even telling them what they can and can’t send in their kids’ lunches is seen as an intrusion and against their rights. So who is right?

What if it’s your child that has an allergy? A life threatening one?

 I know someone in Portland whose child is allergic to peanuts. We talked for quite a while about both sides and it is amazing how high the emotions can run on this issue. My personal stand on this is pretty simple. If one of my kids had an allergy that meant each time I said goodbye to them in the morning when they left for school, could be the last time…well I’d simply homeschool. We have been homeschooling both our kids for over ten years but what I’m saying is, even if we weren’t, a serious allergy would be all the reason I’d need. I’d  feel that it’s my child and my responsibility to provide for his health… not yours. My friend wants all schools to eliminate foods that are dangerous. Which prompted me to ask… What about shellfish?Citrus? Wheatproducts? Dairy? People are allergic to lots of foods- do you get rid of everything? What’s left? I think segregated areas and hand washing are smart ways to deal with this, but banning foods is too much.  I’d be interested to know your views on this. A few bloggers have chimed in with their opinions- read on to see some different takes.

Once children are elementary school age I don’t think it’s necessary to ban nuts from the schools…these kids are old enough to know not to share food or eat anything that hasn’t been cleared by their parents/caregivers/teachers. We need to teach our children responsibility, and elementary age is old enough for them to understand the cause and effect of consuming a food that they are allergic to. Many children are allergic to gluten or wheat or milk, and what is done? Nothing, those children stay away from those foods…

Holly Waligora is the overtired, over caffeinated mother of four children under the age of seven, all of whom are trying to break her….she blogs about her lack of fantastic parenting at Holly’s House…and yes, one of her children has a severe peanut allergy…

Holly Waligora


“It seems like there is a rise in both awareness and action when it comes to allergies in kids. While I can completely understand a parent’s desire to protect their child, I also take issue with making the majority make big modifications to their life for what equates to a handful of individuals. The burden of precautions should fall upon the parent and NOT everyone else living in the world around them. That’s not to say that I have not forgone bringing nuts or nut products with me to a setting where a child with an allergy was attending. But, I could not afford to avoid all nut butters as a lunch option for my boys. It’s a quick and relatively inexpensive food that can be packed without need of refrigeration. Not to mention, there are some kids who are picky eaters with PB&J being a mainstay item on their personal menu.”

Laura O in AK


I have a son with severe peanut allergies and have been thinking a lot about sending him to school in the next two years. Do you know how terrified I am that some kid is going to offer my son food and he just might accept it? I would love to see schools ban nutproducts all together, it will ease my mind with sending my son into schools and it will keep him safe.