【推荐2】The topic of money is often seen as a difficult area by adults. There is so much to learn and so much to control. That's the main reason why a lot of adults are in debt. As with anything worth learning, the best and most well-received knowledge comes to us when we're children.     1    

Start your kids saving money from a very early age, and it will become a habit, a normal, even an easy thing to do. Make saving a fun and positive experience.     2       Show kids how you are saving your money too. Just as adults become strong and successful with goal setting, kids benefit from setting their own goals, too.     3    

The first step in raising generous children is teaching them how to give to others. We ask our children to share toys with one another as they are young. It's even more important as they grow older that we teach them selflessness and how to give back to their community.    4    

You might not think you have to teach your kids how to spend money, but this is the one area where most people's money problems stall. Teaching your kids how to spend their money wisely is very important. Teach your kids the value of items, how much things cost and how to buy only what they can afford.     5     However, don't be afraid to let them make the final choice.

Praising Kids

Parents praise their kids whenever they do anything that seems to be something remarkable. Jenn Berman, PhD, a family therapist says, “We’ve gone to the opposite extreme of a few decades ago when parents tended to be stricter.” Parents have come to believe that by giving kids heaping portions of praise, they improve their self-esteem and confidence.    1    Too much praise can backfire, it seems, and, when given in a way that’s insincere, make kids afraid to try new things or take a risk for fear of not being able to stay on top where their parent’s praise has put them.

    2    Not giving enough praise can be just as damaging as giving too much. Kids will feel like they’re not good enough or that you don’t care and, as a result, may see no point in stretching themselves for their accomplishments.

So what is the right amount   of praise?    3    If praise is sincere and genuine and focused on the effort not the outcome, you can give it as often as your child does something that deserves a verbal reward. “We should especially recognize our children’s efforts to push themselves and work hard to achieve a goal,” says Donahue, author of Parenting Without Fear, “One thing to remember is that it’s the process not the end product that matters.”

Your son may not be the best basketball player on his team, Donahue says. But if he’s out there every day, shooting baskets, running drills, and playing hard, you should praise his effort regardless of whether his team wins or loses because it’s above and beyond the norm. Praising the effort and not the outcome can also mean recognizing your child when he has worked hard to clean the yard, cook dinner, or complete a history assignment, Donahue adds.    4