Teach Your Children About Saving Money

"Moooom...I don't get enough allowance!"

Anyone who is a parent of a teenager has heard these words. No matter what amount they get, it never seems to be enough. However, if you teach your teens about managing their allowance now... it will lead to good spending and saving habits later on, when they are dealing with larger sums of money.

Probably the biggest misconception that many teenagers have is that there is "plenty of time" to learn about saving money... therefore, when allowance time (or if one has a job, payday) comes, there is a strong temptation to spend the money for fun.

As teenagers of course, it should be a time for fun... but at the same time, good habits can be taught for not blowing unnecessary funds for things that can be bought at a much cheaper price. If the latest game is being advertised... teach them that they don't have to go to the first store they see it advertised. Shop around a bit... they may be pleasantly surprised at how much can be saved just by taking a little extra time to look.

Talk to your teenagers about "impulse buying".

Stores will often place items very close to the entrances and in the checkout lines in hopes the shopper will decide to pick up "just this one thing".

If your child is wanting to go shopping, encourage them to make a list of what they want specifically to get.

Let them know that the store is trying to get one over on them by placing these items strategically to lure them into buying it... there's nothing a teenager likes more than to protest anything they feel is attempting to tell them what to do!

Let your teen open up a savings account of their own with your supervision. Encourage them to put a small percentage each payday or allowance into this account.

Let them know that it is theirs... and show them how much can be saved rather than carelessly spending it all. Show them the interest that can be earned by leaving the money alone.

You would be surprised how often they will choose to continue leaving the money in the bank.

Of course, the best way to teach your children about saving money is to practice what is preached... so be watchful of your own spending and saving habits. With the family's encouragement, today's teenagers will be tomorrow's financially responsible adults.

Back to school shopping can be an extremely stressful time... especially if you have more than one child. School supply lists in hand, we parents and caregivers head to the retail stores... thinking, with all the sales going on, it's going to be a piece of cake!

However, you get there and you realize that everyone in town had the same idea. They just happened to get there before you did. It then becomes a race to see if you can find bits and pieces of the school supplies needed... often paying a higher price because it's all they have left.

One idea is to buy as many of the supplies on sale as you can... and get there early. Things such as pens, pencils, paper, and folders can last for years... so go ahead and buy in advance as well. One less thing to worry about next year!

Check any sales ads for discounts and coupons as well... especially the month before school gets back in session.

It's also a good idea to find out where the teachers at the school go to get their supplies. Considering the budgets that many teachers have to work with... they have learned to find the sweetest deals. Ask them what retail outlets or online services they use.

Another way to reduce expenses is to only buy what is absolutely necessary. Rather than buy lunch boxes, consider sending brown bag lunches.

You can decorate the bags with stickers of their favorite cartoon or action characters if you have small children, or if they would like, have them make a weekend project of decorating the bags that will be used the following week.

As kids everywhere will tell you... going back to school is a necessary evil. However, spending a lot of money on school supplies doesn't have to be.

One of the most important factors that affect the price of your groceries is the unit price. Companies may present their products in packages of various shapes and sizes so it can be difficult to truly compare the prices.

Talk to your kids, as you shop, about how to look for the best deals. Tell them about unit pricing and how not to be fooled by packaging.

If you want your child to grow up and be a wise thrifty shopper start teaching them as soon as possible!

Coupons are great and they can really make a big dent in your expenses. You can find coupons in magazines, newspapers (especially the big Sunday issues), in your mail box, and even online.

Be careful though as those coupons can also cause you to spend more than you normally would have. Often times a discount coupon will be on higher priced brand names and/or styles and even with the discount may wind up costing more than those brands you normally buy.

To make the best out of coupons implement some type of organization. Keep your coupons sorted and in one place so that you can easily grab them when you are ready for a trip to the store.

You can also get on mailing lists for various types of coupons. We often receive coupons in the mail for baby products like diapers, wet wipes, soap, etc. This is just like getting money in the mail!

Coupons are really great when you can get them on the particular items and brands that you already buy.

There are also online coupon services you can sign up with and browse discount coupons for the ones you want to use. Generally all you need to do is print the coupons and they are ready for use.

There are also coupon codes available for many merchants that can be used in their online shopping carts.

Most families can easily save $50 per month just by using coupons on their purchases. For those who actively seek out coupons and collect them the savings can add to up to much more.

Don’t forget to keep an eye on sales papers and ads in the newspaper. Many businesses advertise that they will match competitors ads, so just having knowledge here can save you some cash.

Discount coupon codes are just like getting free money!

I always search for discount codes whenever I am shopping online and most of the time I do find them.

It just takes a few minutes extra time to do this and it is well worth it when you save money. That’s what it’s all about! Saving your hard earned money whenever you can.

A few days ago I decided I was going to order one of those prepaid cell phones. I went over to the website of the company I had decided to buy a phone from and started looking around.

Before I made the decision on which phone to get I opened up a new browser and typed in the name of the company along with “coupon code”. I was able to find two coupon codes that I could use with my order which really helped me to save some cash!

The first discount coupon code I applied to the shopping cart took off $5 from the total purchase price. The second one gave me a free accessory kit (charger, case, hands free, etc) which was really awesome because I needed that and normally the cost was 14.95.

If I had not taken the time to do a quick search for discount coupon codes I would have spent 19.95 more for my cell phone and accessories! Now that was really an excellent savings and I can spend that twenty bucks somewhere else!

Whenever you are shopping online always take a few minutes to search for discount coupon codes.

Personally I do a lot of my shopping online and whatever I am looking for I can almost always find a handy discount coupon code.

Discount coupon codes are easy to use. Generally you just enter the code into a special spot on the checkout screen, hit update total to apply the coupon code and voila instant savings. This is a really simple and easy technique you can use to save money on most things that you may order online.

Never pay full price until you have searched for a discount coupon code and you are sure that none are available for that particular purchase.

There are a lot of different ways to save money on your grocery bill. You can use coupons, switch from name brands to generic and watch for sales. You can also sacrifice some of the foods you want for the foods you can afford. But, there are some other really easy ways that you can save money on groceries.

Easy Ways To Save Money On Your Groceries

Save by Shopping at Thrift Stores

You can find unbelievable deals on name brand clothing, electronics, furniture, collectables, just about anything you need