Many young adults enter the real world with little preparation for making financial decisions. As a parent, it’s your job to set them up for success in the future. Providing your children with financial education is more than just giving an allowance. It’s about empowering them to make smart and responsible money decisions.

Here’s how you can instill financial literacy and responsibility in your children.

Start Early

It’s never too early to start teaching your kids about money. By the age of three, 80% of their brain is formed — and it’s 90% developed the time they enroll in preschool.

Recognizing cash and spending it can be introduced as early as toddlerhood through simple activities like counting coins and playing store. These pastimes help them understand the value of money, making financial concepts tangible.

When playing shop, give them play money and let them “buy” items at the imaginary store. This teaches how to make choices with limited resources. As they get older, you can introduce more complex ideas like saving and investing.

Set Up a Savings System

Introduce the importance of saving and explain to your kids how it helps them reach their goals. The piggy bank is a classic starting point. As they grow older, consider opening a savings account. Teach them about interest and how their money can grow over time.

Saving helps children:

• Develop financial responsibility.
• Cultivate a future-oriented mindset.
• Understand the benefits of delayed gratification.
• Build independence.

Set saving goals together and celebrate their successes. Putting money aside for a toy or video game can be a good motivating factor. You can help them track their progress visually with a chart to make the process more exciting.

Encourage Earning

Allowances are a tried-and-tested technique for teaching children about earning money. For younger kids, consider tying allowances to chores or responsibilities. Motivate older kids to find ways to earn money outside the home, such as through paper routing, dog walking, babysitting and mowing lawns. If they are artsy, encourage them to sell some of their crafts. Teaching the about earning instills the value of hard work.

Teach Them Budgeting

Explain the importance of having a budget to guide your spending. Help your children distinguish between needs and wants. Needs are essentials like food, shelter and clothing, while wants are extras, such as toys.

Discuss how to prioritize spending based on these categories using real-life examples to illustrate. For instance, you can show them how the 20/30/50 rule applies to your budgeting. That 50% of one’s income should go to essential needs, 30% to non-essentials and 20% covers savings or goes toward clearing debts.

Train children to create a simple budget that includes categories for spending, savings and budgeting. Teach them to track their expenses and how to adjust their budget to match their needs.

Involve Children in Financial Decisions

Allow your child to contribute to everyday family financial decisions. Let them help you prepare grocery lists, placing items under wants or needs. Take them shopping and explain your process when picking stuff so they understand how to compare prices and make choices based on value. Teach them about how to be safe and responsible while shopping online.

With time, introduce them to entrepreneurship. Show them how to explore age-appropriate business ideas. For example, lemonade stands and pet sitting are viable ideas for preteens. Older kids have more options as they can handle bigger tasks and responsibilities.

Foster Financial Independence

Encourage your children to manage their own money. It inspires self-reliance and teaches them the consequences of their choices. Provide opportunities to earn at home and give a regular allowance. You can act as a guide and help them budget for expenses and savings without dictating what they do with their money. This cultivates independence while teaching them the consequences of their financial decisions..

Teach by Example

Your children learn by watching you and those around them. Model financial behavior you’d like your kids to emulate. Let them see you saving for goals, paying your bills on time and setting budgets to avoid impulsive spending. When kids see you handling money wisely, they are more likely to adopt similar habits.

Lay the Groundwork for Financial Success

Teaching your kids about money is a gift that keeps on giving, through their teenage years, and into adulthood. It ensures they are better prepared for financial independence and future success. This foundation will support their future endeavors, from managing their households to making investments.

Reinforce the importance of financial responsibility through consistent practice and real-life applications. Regularly review and discuss their financial activities and progress. Praise their successes and gently correct mistakes to guide them towards better decisions.

Remember, small steps lead to big results. Your efforts today will pay off in their financial future.

Author bio:  Cora Gold is the Editor-in-Chief of women’s lifestyle magazine, Revivalist. She strives to live a happy and healthy life with her family by her side.
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Summer is here, and that means it’s time for fun in the sun! Whether your little one is heading to a park playdate or a pool party, having the right baby summer clothes can make all the difference. Let’s explore the world of adorable and versatile baby summer clothes that are perfect for every sunny adventure!

Perfect Park Playdate Outfit

Imagine this! It’s a sunny day, and you’re off to the park with your baby. You need an outfit that is both cute and comfortable. Here are some great options:

• Lightweight T-Shirts and Shorts: T-shirts made of breathable cotton are perfect for keeping your baby cool. Pair them with soft shorts that allow easy movement for crawling or running around.

• Rompers and Onesies: These all-in-one outfits are easy to put on and take off. Plus, they come in so many adorable designs! Look for ones with snaps at the bottom for quick diaper changes.

• Sun Hats: Protect your baby’s delicate skin with a wide-brimmed sun hat. It adds a stylish touch while keeping those harmful rays away.

Splashing Around in Pool Party Gear

We all spend enough time indoors, so make the most of summer activities to help support your child’s development.  Pool parties are a blast! But what should your baby wear to stay comfortable and safe?

• Swim Diapers: Regular diapers won’t do for swimming. Special swim diapers keep accidents contained while allowing water to pass through. They come in reusable and disposable options.

• Rash Guards: These are like swim shirts that protect your baby from the sun. They usually have long sleeves and are made of quick-drying fabric.

• Cute Swimsuits: For a fun look, choose swimsuits with bright colors and playful patterns. One-piece swimsuits are easy to manage, but two-piece sets are great for quick changes.

Versatility is Key

Why buy lots of different outfits when you can have versatile baby summer clothes that work for multiple occasions? Here are some ideas:

• Mix and Match: Buy tops and bottoms that can be mixed and matched to create new outfits. This way, you can get more use out of each piece.

• Layering: Even in summer, the weather can be unpredictable. Layer a lightweight jacket or cardigan over a romper or dress for cooler mornings or evenings.

• Convertible Clothes: Some clothes are designed to change as your baby grows. For example, adjustable straps on overalls or dresses can extend their life.

Fun Patterns and Colors

Summer is the perfect time to play with fun patterns and colors! Here are some ideas to brighten up your baby’s wardrobe:

• Animal Prints: Cute animals like dinosaurs, elephants, or flamingos make for fun prints on baby clothes.

• Bright Colors: Think of sunny yellows, ocean blues, and grassy greens. These colors not only look great but also keep your baby cool.

• Fruit Themes: Clothes with prints of fruits like strawberries, pineapples, and watermelons are perfect for summer.

Adorable Accessories

Accessories can make any outfit even cuter! Here are some must-have summer accessories for your baby:

• Sunglasses: Protect your baby’s eyes from the sun with a pair of baby sunglasses. Look for ones with UV protection and an adjustable strap to keep them in place.

• Sandals: Soft, comfortable sandals are perfect for little feet. Choose ones with adjustable straps for a secure fit.

• Headbands and Bows: For a touch of style, add a colorful headband or bow to your baby’s outfit. They’re perfect for keeping hair out of the face during active play.

Practical Tips for Parents

Here are some practical tips to keep in mind when choosing baby summer clothes:

• Sizing: Babies grow quickly, so consider buying clothes that are slightly larger. This way, they can wear them for a longer time.

• Easy Care: Choose clothes that are machine washable and easy to care for. Summer activities can get messy, and you’ll want outfits that can withstand frequent washing.

• • Sun Protection: Always apply baby-safe sunscreen on exposed skin, even when your baby is wearing sun-protective clothing.

Preparing for Summer Adventures

Summer is full of exciting adventures! Here’s how to prepare your baby for all the fun:

• Packing Essentials: When heading out, pack extra clothes, swim diapers, and sun protection. It’s always good to have backups.

• Staying Hydrated: Keep your baby hydrated with plenty of fluids. Offer water regularly, especially on hot days.

• Safety First: Always supervise your baby, especially around water. Make sure they wear appropriate safety gear like life jackets if needed.

Creating Memories

The best part about dressing your baby in adorable summer clothes is creating wonderful memories. Capture those special moments with photos and enjoy every sunny day with your little one.

In conclusion, versatile baby summer clothes are all about combining comfort, style, and practicality. Whether you’re off to a park playdate or a pool party, the right outfits can make every summer adventure even more enjoyable. So, gear up with these tips and let your baby shine in the sun!

Read how to dress your newborn baby for different seasons.

Teenagers worldwide are keen to establish a strong digital footprint and create an online reputation that unearths new opportunities.However, the internet always presents an element of risk and some teenagers can, inadvertently or not, take actions that lead to long-term reputational damage.

In addition, research indicates that 30% of children aged 8 to 12 want to become YouTubers, of whom many undertake steps to ‘make a name for themselves’ once they become old enough to manage their accounts.

With that in mind, we will explore the practical strategies that teenagers can employ to protect their online reputation, create a positive digital identity, and not risk jeopardizing their future career opportunities.

Sharing Content: How to Protect Your Online Reputation as a Teenager

Whether using social media or participating in online communities, your online identity will be shaped by the content you post and share. In many cases, a person’s digital identity can be very different from their real-world identity, with people maybe feeling more comfortable exploring interests and subjects online than they would offline.

This can result in new personas, using a different tone of voice or writing style, and being more open to alternative ideas and thinking.

Of course, there is nothing wrong with assuming a different personality online, but for teenagers, there are plenty of common mistakes that can put cracks in your future plans.

So, don’t worry, don’t visualize being fired because you posted a meme, and try to tailor your approach to sharing stuff online according to the following pillars:

‘Delete’ Won’t Fix Everything

If you post something slightly controversial, offensive or divisive online and wish to remove it, don’t think you can erase it from existence just like that. It only takes a second for someone to screenshot a post and save it so it can resurface later. And that’s not even starting about web scraping—using scripts to automatically download all the data from a site or profile.

Don’t Make It Easy for Your Identity to Be Stolen

As scary as it sounds, worst-case scenarios like posting compromising photos or writing to your boss aren’t things you should worry about when it comes to identity theft. Even someone buying a TV, console or bunch of clothes can burden you with anxiety, debt and issues with online accounts. To prevent this:

Respect the rules of proper password management, and ideally all your passwords together

Don’t overshare and keep your profiles private—this will give identity thieves less material to work with

Always wonder why is someone asking to know something; even if it’s a friend asking you online—make sure it’s really them

Avoid Arguments

When encountering people on the internet, a rule of thumb is that some of them might take things too seriously. And even though they won’t seem malicious at first, they can easily ‘explode’ when argued with and thus become ready for anything.

There have been numerous accounts of people getting swatted, doxxed or even stalked IRL because they simply argued with someone online. Even if it’s a Call of Duty lobby, think about how easy it is to connect your in-game ID to your identity. So, don’t take the bait and don’t feed the trolls.

Don’t Break Copyright Rules

Major names like WSB, Universal and just about any publisher live off of the intellectual properties (IPs) they own. What that means is—Marvel owns the rights to everything related to Captain America, whether it’s movies, TV shows, advertising, depictions, toys, etc, and no one can use it without their permission. If they do, the legal and financial consequences can be debilitating.

The same goes for smaller brands and creators, who can be even more litigious. In February 2024 alone, 767 total cases had been filed with the Copyright Claims Board (CCB). And things are poised to get even more hectic, as laws about using art and data to train AI models still don’t exist.

If you aren’t sure about that meme, share it with friends privately and don’t risk copyright strikes resulting in your profile getting deleted.

Assess Your Digital Footprint

Occasionally, it is always a good idea to type your name into search engines and see what comes up. If there is anything a little inappropriate or embarrassing then find the source and try to have it removed as soon as possible.

However, be careful before attempting to contact the perpetrator or site owner. It might be best to consult a parent, caretaker or lawyer in terms of your legal rights in this particular situation.

How Parents Can Help

As a parent, you’re probably reading all this and thinking ‘How can I help my child from making online missteps?’ Well, the answer is that you’re going to have to educate yourself, not just in terms of online etiquette, but in terms of more technical aspects of your child’s online lives:

• If your child spends time making online purchases, do some research on the sites and their security measures. Things like having PCI-compliant hosting for secure payments, encryption and similar protection are always a good sign. Likewise, a lack of transparency on these issues is concerning.

• Contact your internet service provider (ISP) about available parental control features. You’ll probably be able to block certain websites or at least restrict time spent on them. Likewise, think about monitoring apps for extra safety.

• Simply talk to your kids. We know it sounds daunting (and oftentimes, it really is), but showing your kids you understand and that your advice can provide value is an essential part in getting your point across. Otherwise, you’re in for an uphill battle.

As well as a teenager’s reputation, it is also crucial to make sure everything is being done to avoid them falling from online scams or being a victim of cybercrime. This is especially the case if your child uses websites that involve online payments.

As a parent, your role is to advise the child about the security of the site they’re joining. Once you find out the name, you can research whether the site gets pen tested regularly, and do they undergo regular vulnerability assessments or anything else that might provide tangible proof that your child won’t be the victim of a potential data link.

Tips for Establishing Positive Online Engagements

We’ve talked about what to avoid and be careful about, but what’s the magic formula for establishing a ‘positive’ online persona? Well, there’s no single trick, teenagers can add these tips to their online arsenal for better results:

• When using LinkedIn, you should do so with your future career in mind, building relevant connections and engaging in the right way. Ensure your profile indicates you’re a real person who knows how to present themselves online.

• You can’t mix business with pleasure. In the case of Instagram, your profile can’t feature both professional photography and videos of your mate doing kickflips on his skateboard. If you want to post both, create a separate profile.

• Always view new connections at potential sources of recommendations. People get asked to recommend someone for a product or service. And chances are, they will recommend someone pleasant and confident over someone who’s just pure brains. Be the former.

• Don’t hesitate to share your knowledge or passions. It’s a great way to meet like-minded people, whether it’s through vlogging, traditional blogging, streaming or something completely new and groundbreaking.

Conclusion

The internet can be a difficult space to navigate, especially for young people who may feel under pressure to join in with new trends or get involved with inappropriate discussions. Don’t feel FOMO—instead, think and analyze how leaving a permanent online trace can be perceived a couple of years from now.

From using social media safely to preventing unauthorized access to accounts, you’re responsible for securing your online identity, while also ensuring that any content you create or share won’t be an obstacle to your career aspirations.

About the Author:
Ryan Harris is a copywriter focused on eLearning and the digital transitions going on in the education realm. Before turning to writing full time, Ryan worked for five years as a teacher in Tulsa and then spent six years overseeing product development at many successful Edtech companies, including 2U, EPAM, and NovoEd.

Tables and chairs are one of the most significant investments for your toddlers. They enhance your toddler’s daily routines, whether playtime, mealtime, or studying! These are not mere pieces of furniture but rather a stepping foot toward their independence, social skills, and creativity!

However, you can ensure all of these only if you invest in the tables and chairs with the following significant features!

Safety

Toddlers are curious, energetic, and active, and they easily get into accidents. So, safety is the topmost feature when finding toddler furniture. Here are a few things to keep in mind:

Durability & Stability

Buy quality toddler table and chairs that are made of durable materials, including high-quality plastic or solid wood. It must be strong enough to stand your toddler’s rough usage during playtime.

The chairs must have a wise seat to let your child sit comfortably without slipping out or tipping off the chair. Table must also have a solid base to prevent shakiness.

Soft edges

Toddlers are wobbly, and most of them can’t even walk straight. It’s natural for them to bump into surrounding objects or fall on them. So, the furniture must also have rounded edges and corners to prevent accidental injuries.

Safe materials

Your toddler wants to bite and such on everything they find around themselves. So, ensure the table and chair aren’t made or painted with toxic materials.

Check for specific certifications and labels on the products or producers to ensure they don’t contain toxic substances, such as lead, formaldehyde, and phthalates.

Size & Adjustability

Another critical factor while selecting your toddler’s furniture is the size, proportion, and adjustability.

Age-appropriate size

Just as you choose age appropriate play equipment, consider your child’s age while buying the table and chair set. Usually comfortable toddler tables are 18-20 inch high and toddler chairs are 8-10 inch high.

If you’re not certain about the size, get a measuring tape and check how high each of these sizes is against your child’s height.

Ensure your child can sit with their feet flat on the ground while seated on the chair. For the table height, they must not hunch (happens in too low tables) or strain upward (happens when table is too high). Buy the furniture of the right height once you’re certain of it!

Adjustability

Toddlers grow out of everything fast, so invest in an adjustable table and chair. This also saves you from buying new furniture every few years as they grow.

Check two factors: The table and chairs height should be adjustable. Both the seat and desk must be wide enough to accommodate your toddler’s growing stature.

Comfort and Ergonomics

Back pain is extremely common among Australian children and adolescents, with poor posture being the leading cause. Poor posture can also lead to spinal dysfunction.

Focus on the ergonomics of your toddler’s chair to protect your child from such major and lifelong issues.

For instance, it must have a supportive backrest and a seat with the right depth. These factors enhance your child’s comfort while sitting on the chair.

Thus, your child can comfortably focus on reading, writing, and drawing activities for longer, ensure correct posture, and reduce risks of discomfort or strain!

Functionality

Another feature to check in your toddler’s furniture is multi-purpose uses. For instance, seek tables with built-in storage space for toys and art supplies. This makes organizing much easier.

Tables must also be big enough to accommodate different activities like studying, art projects, and meal times.

You can also check out tables with built-in chalkboards and dry-erase surfaces to enhance their usefulness.

Aesthetics

Children love colourful objects with fun patterns and designs. Ensure you invest in tables and chairs that come in bright colours to make all activities surrounding it even more entertaining.

Maintenance Requirements

When introduced to pencils and crayons, every toddler starts scribing and drawing on all surfaces. Even the fanciest of furniture won’t be able to avoid this! Further, spills and crumbs are just another regular incident!

So, make sure you invest in furniture with smooth, washable surfaces, such as plastic and laminated wood. They can be wiped several times a day without harming the material.

If there are cushions, ensure they can be detached and washed. Buy only high-quality furniture to ensure lasting appearance maintenance even after heavy use!

Conclusion

With the right table and chair for your toddler, you’ll enhance their comfort, growth, and safety. So, find a reliable seller and invest in a cute and functional set today!