| Some things can still be changed.
Our Children are growing up in a world with many changes. One of the greatest changes is also one of our greatest challenges as a parent. Consumerism is a part of the 21st century. The buy now and pay later, the 50 months interest free, the free mobile on a payment plan, the no deposit purchase plan, and download music stores, all geared to place the user in debt. Unfortunately for us the parent the target audience for these styles of credit is the youth and younger generation. Teenagers are in debt before they graduate from school. Typically the Australian child is first exposed to money management when they obtain their first mobile phone. This places upon them a massive burden of being financially responsible with any prior practice.  The School system is failing one of the most fundamental talents that a child needs to learn. Good sound money habits. The cornerstone of money management is to earn your income, pay yourself first (savings) and then pay your bills and spend what is left. An opportunity is available to give our children a sound introduction to money management, an opportunity to experience the pitfalls and dangers, the wins and joys of money management skills. The time to expose your child in when the only ramification of mismanagement is a discussion with you as a parent not with the bank manager over a default. A window of opportunity exists to give your child during their adolescence an opportunity to practice money management with some real money management tools. Every child likes to have some form of income and the best means is via the pocket money system, it instils a good work ethic and a solid family environment to contribute. The next phase is to give your child the tools to management their pocket money with. Moneytools have created a set of tools to do such. The Moneytools for Kids is a collection of adult money tools restructured to give your child confidence in using them and practicing with them. Moneytools for Kids encompasses job sheets, budget sheets, credit card, deposit and withdrawal forms, graphs, goals setting and record keeping. Money is not a luxury it is a necessity. Good money management skills with gift your child for a prosperous and financially fit life. Moneytools for Kids are the very tools you need to do that with. | 
Budget 
