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Kids and Money - Teaching Children to Manage Their Finances

The WSBI understands by microcredits small size uncollateralized or weakly collateralised loans pro- vided to vulnerable people for economic and social empowerment through income and employment generation8 . Historically, savings banks did not succeed to introduce microcredit as a business line because they were in most cases statutorily prevented from lending. And where they could lend, savings banks have traditionally developed retail banking activities for low wage earners. For this reason, savings banks are consistently invisible in microfinance publications. Recently, a few of them started introducing microcredit schemes in order to serve this market and further demonstrate their commitment towards society. | Kids_ and Money Teaching Children to Manage Their Finances Set Goals Together It s possible to meet your financial goals whether your income is small medium or large. Say it out loud.It s all in the planning. Regardless of what you might have heard millionaires are not made overnight and they don t just trip over a money tree. They set goals and work hard to reach them. Hint Setting goals as a family can make it easier. Everyone has a voice and everyone gets something in return. Family Achvit s Activity One Give each family member a sheet of paper and pen. Ask them to write down one short-term and one long-term purchase goal. Examples of short-term goals include purchasing a family computer and saving for holiday gifts or next summer s vacation. Examples of long-term goals include buying a home and saving for a college education or retirement. Set dates for reaching your goals. Be realistic. Hint The budget activities may help you here. Be flexible. Things happen. Don t beat yourself up if you don t meet the date. Just adjust accordingly. All bumps should be discussed to ensure everyone in the family understands what has happened. Check your progress toward your goals quarterly. Activity Two Get your child to list his or her short-term goals or things they would like to purchase in the next year. Write down how much each item costs. Now figure out how long it will take your child to earn enough money based on his or her weekly allowance or income. Help your child decide whether his or her goal is really worth the time and money they will spend to achieve it. If they want a shirt that costs 65 and make 10 a week in allowance it would take saving their entire allowance for 6 1 2 weeks to earn the money to buy it. Now get your child to list a less expensive alternative and see how long it would take to save for that item. What could they do with the savings Is purchasing the 65 shirt worth it Everyday Off rtntres io Talk About Money In the car. If you are like most