Parents aim for their kids to be better or smarter than them in everything they do. One area that can get forgotten though is financial literacy and money management. Can they make smart money decisions, balance their accounts, and not overspend? This is not taught in schools!
We need to help them learn financial skills before they leave home. Don’t be afraid to teach them, even if you’ve struggled with managing your own finances. Sometimes sharing our struggles and even bad decisions can be the best way to start a conversation. Here are some basic topics and discussions you should have if you’re wondering how to teach kids about money.
Teaching Kids Money Management
Every family has different goals and values, but money affects all of us. Depending on the ages of your kids, choose which of these issues are relevant right now.
Let them practice using money
Some families do allowances and some don’t. While this isn’t where I’m going to go into all the different thoughts behind an allowance, I do think there’s value in your kids having money to use so they can make mistakes and learn. Whether you tie an allowance to chores or not, it’s important for them to have some money at their discretion from a young age.
Teach spending / saving / giving
When your kids start acquiring money, whether it’s through an allowance or odd jobs, teach them to divide their money into three categories: spending, saving, and giving. The percentages are up to you, but we usually start with our kids having them put 10% in giving and 10% in saving. As they get older, we increase the percentage that goes into saving. Of course, they can always add more to saving or giving if they want, but those are the minimums.
For younger kids, it’s great to use cash and keep it visual. You can buy an expensive piggy bank with dividers, but if you’re giving your kids an allowance, just have three separate containers. We always use Mason jars since they’re see through.
Talk about money as a family
Did you grow up hearing that it wasn’t polite to talk about money? Well, it may not be polite to ask someone how much money they make, but in your own home, you have to talk about money. You don’t have to tell your kids every detail, but they need to understand how money works into the life of an adult.
Saving money can’t get any easier than using Circle coupons in Target’s mobile app! These offers come off instantly at the register and most are good on up to 4 items.
Savings Tip: My favorite way to load offers is in the store. Scan the barcode of products and the app will find any offers available. Before shopping, you can also sort the offers in the app by value and find high value savings.
If you’ve never used Target Circle and want to know more watch a short on all the ways to save with Circle.
Check out all of the new Circle Offers we have found so far this week, it’s a pretty long list with some sweet high value offers!
This Week’s New Target Circle Offers:
Beverages:
20% off Cameron’s Coffee Target Circle eCoupon
20% off Charleston Coffee Roasters Organic Coffee Target Circle eCoupon
20% off Coca-Cola Bottles, 6-pk Target Circle eCoupon
20% off De La Calle Organic Tepache beverage, 12 fl oz Target Circle eCoupon
20% off Flow Organic Alkaline Spring Water, 500 mL Target Circle eCoupon
20% off Guayaki Yerba Mate beverage, 15.5 fl oz cans Target Circle eCoupon
25% off Halfday Tea Tonic, 12 fl oz Target Circle eCoupon
20% off La Colombe Core Draft Latte, 4-pk Target Circle eCoupon
20% off La Colombe Oats Draft Latte, 4-pk Target Circle eCoupon
20% off LIFEWTR Premium Purified Water, 6-pk Target Circle eCoupon
20% off Naked Organic Coconut Water, 33.8 fl oz Target Circle eCoupon
20% off Pepsi Cola Brand, 2 L Target Circle eCoupon
20% off PG tips Premium Black Tea, 40-ct Target Circle eCoupon
25% off Portland Coffee Roasters coffee, 12 oz Target Circle eCoupon
20% off Sprecher Cream Soda, 4-pk 16 fl oz Target Circle eCoupon
20% off Sprecher Root Beer, 4-pk 16 fl oz Target Circle eCoupon
20% off Starbucks Cold Brew, 11 oz Target Circle eCoupon
20% off Starbucks K-cup Coffee Pods, 22-ct Target Circle eCoupon
20% off Starbucks Nitro Premium Coffee Drink, 9.6 oz Target Circle eCoupon
20% off Starbucks VIA Instant Coffee Target Circle eCoupon
25% off Tim Hortons Coffee Bags, 12 & 24 oz Target Circle eCoupon
25% off Tim Hortons K-Cup Coffee Pods, 24-ct Target Circle eCoupon
20% off WTRMLN WTR Watermelon Cold Pressed Juice, 12 & 34 fl oz Target Circle eCoupon
20% off ZenWTR 9.5 pH Vapor Distilled Alkaline Water, 33.8 fl oz Target Circle eCoupon
Grocery:
20% off Annie’s Baking Mixes, select Target Circle eCoupon
25% off Ben & Jerry’s Frozen Desserts, 8 & 16 oz Target Circle eCoupon
20% off Betty Crocker Cinnamon Toast Crunch Cookie Mix & Frosting, 12.6 & 16 oz Target Circle eCoupon
20% off Betty Crocker Cookie & Brownie Cups Target Circle eCoupon
20% off Betty Crocker Favorites Brownies, select Target Circle eCoupon
30% off Brazi Bites Breakfast, 4 & 4.7 oz Target Circle eCoupon
20% off Catalina Crunch Keto Cereal, 9 oz Target Circle eCoupon
20% off Cobram Estate California Select Extra Virgin Olive Oil, 750 mL Target Circle eCoupon
40% off CORE Bars, 1.4 & 2 oz Target Circle eCoupon
25% off Country Crock Avocado Oil Plant Butter, 10.5 oz Target Circle eCoupon
20% off Cup4Cup Gluten Free Flour, 32 oz Target Circle eCoupon
20% off Duke’s Mayonnaise, 18 & 30 oz Target Circle eCoupon
25% off Good & Gather 50/50 Blend, 10 oz Target Circle eCoupon
20% off Good & Gather Beef Broth, 32 oz Target Circle eCoupon
20% off Good & Gather Chicken Broth, 32 oz Target Circle eCoupon
25% off Good & Gather Southwest Chopped Salad Kit, 12.6 oz Target Circle eCoupon
50% off Good Food Made Simple Cauliflower Kung Pao, 9.75 oz Target Circle eCoupon
20% off Goodles Protein Mac & Cheese, 5.25 & 6 oz Target Circle eCoupon
25% off Healthy Choice Cauliflower Crust Pizza Target Circle eCoupon
20% off Hot Pockets Big & Bold Frozen Snacks, 13.5 oz Target Circle eCoupon
The toy deals are hot at the Kohl’s Early Access Black Friday Sale. Get this Barbie Fiat 500 Doll & Vehicle for only $20 (reg. $40)!
Barbie is ready to hit the road in this four-seater Barbie Fiat vehicle. It has working doors and wheels for active play and inspired storytelling.
This offer is not eligible for coupons, but you can still use and earn Kohl’s Cash on it. You will also get free shipping on any order of $25+.
Kohl’s Early Access Black Friday Deals are running through Thursday, November 10th.
See more ONLINE SHOPPING DEALS!
Head in to the Kroger Mega Event to grab Purex Laundry Detergent for a great deal! We have an Ibotta rebate that will bring the sale prices down to as low as $1.99 for liquid detergent.
This item is part of a mega event. The price listed is after a 50¢ instant savings when you purchase 6+ items. You can mix and match items and are welcome to buy more than 6.
Kroger Purex Detergent Mega Deals (end 11/15):
- Purex Laundry Detergent, 75 oz, $4.49
-$1 off Purex Liquid Detergent, 128 or 150 oz, limit 5, Ibotta mobile app
(makes it $3.49) - Purex with Crystals Liquid Laundry Detergent, 50 oz, $2.99
-$1 off Purex Liquid Detergent, 128 or 150 oz, limit 5, Ibotta mobile app
(makes it $1.99)
Check out more great deals at Kroger.
Save the date! The Michael Kors Black Friday Sale is on November 25th. Snag some fun deals every week until then!
Each week find a different family of bags featured at Black Friday prices among other special gift offers. Sales run Wednesday through Tuesday.
This week the Emilia Bag is being featured. Get the Medium Logo Shoulder Bag for only $79 (reg. $398)!
Other collections included in this week’s sale include the Trisha, Valerie, Jet Set and Maisie. Each style is available in multiple color options.
Check out some of this week’s deals:
Emilia Small Pebbled Leather Satchel – $99 (reg. $498)
Emilia Medium Logo Shoulder Bag – $79 (reg. $398)
Trisha Medium Logo Crossbody Bag – $99 (reg. $398)
Maisie Large Pebbled Leather 3-in-1 Tote Bag – $179 (reg. $678)
Jet Set Large Saffiano Leather Shoulder Bag – $119 (reg. $558)
Valerie Medium Pebbled Leather Satchel – $129 (reg. $398)
This offer ends 11/8/22. Shipping is free. Check back each Wednesday for new offers! Read More→
Don’t forget to join me tomorrow night for our next live online Q&A tomorrow night!
We’ll be talking about saving on Thanksgiving dinner + some top holiday deals.
Bring all of your questions on how to save and we’ll get them answered tomorrow night.
You’ll be able to join us live either on Facebook or Youtube – whichever you prefer.
The Children’s Place has joined in on the early Black Friday deals! Get Holiday Dresses for less than $20 each! Shipping is free.
Plus, through November 16th, MyPlace Rewards Members (free to join) get double rewards. That means you’ll get $5 back for every $50 you spend! Cardholders will earn $10 back for every $50 spent.
Even better, if you have a store nearby, save an extra 15% at checkout when you choose free ship-to-store.
Deal Ideas:
Girls Floral High Neck Ruffle Dress – $14.99 (reg. $39.95)
Girls Christmas Fairisle Sweater Dress – $16.99 (reg. $42.95)
Boys Tartan Poplin Button Down Shirt – $14.98 (reg. $29.95)
Boys Reindeer Fairisle Half Zip Mock Neck Sweater – $31.47 (reg. $44.95)
These offers are good through 11/24/22. Shipping is always free.
Read More→
With Thanksgiving just around the corner, now is the time to start figuring out ways to save on Thanksgiving dinner. Starting early will help you save a chunk of money and take some stress away too!
How to Save on Thanksgiving Dinner | 8 Frugal Tips
Make Your Menu Now
Start planning now. Decide what’s on the menu, about how many people you expect and any new traditions you want to add. While it is a few weeks away, this will help you start early in figuring out all the ingredients you need. Don’t just think about food, but also add in any paper goods, and things to get the house ready too!
Delegate
Once the menu is made, it’s time to see if any guests would be up for helping to cook. Most folks love to bring something, so either ask them to make something on your menu or see if they want something you didn’t think of. By breaking up the cooking list you are also decreasing your out-of-pocket expense! If you have family members who don’t like to cook, how about asking them to bring the paper goods or drinks. According to advice experts like Dear Abby, it’s considered rude to not ask for help and try to cook it all yourself!
Go Traditional and Save
Thanksgiving isn’t the day to pull out gourmet recipes. Not only will sticking with the traditional recipes save you money, it will also help you stay in good graces with your family. You may have always wanted to try some fancy version of sweet potatoes, but everyone else around the table just wants sweet potato casserole the way mama always made it. The benefit for your budget is that traditional recipes tend to use fewer ingredients, plus they all call for things you would have on hand rather than buying lots of extra things you’ll never use in another meal again.
Shop Canned and Dry Goods Early
Many of the main staple ingredients we need are already on sale. Don’t wait to grab them, but go ahead and stock up. Not only do you beat the rush, but it also gives you extra time to remember things you forgot and possibly to start cooking early!
Through tomorrow online, hurry to Old Navy to get great clothing deals! Shop online and get 50% Off Everything! No code needed.
This is a good time to stock up on holiday outfits and family pajamas, plus grab some extra gifts, stocking stuffers and more.
Deal Ideas:
Women’s Flannel Plaid Scarf – $19.99
—50% off at checkout
makes it $9.99!
Matching Christmas Snug-Fit Pajamas – $14.99
—50% off at checkout
makes it $7.49!
Toddler “On The Naughty List” Graphic Tee – $10.99
—50% off at checkout
makes it $5.49!
This offer is good through 10/18. Shipping is free for Rewards Members with orders of $50+.
