Discussion Questions:

• Are you sometimes tempted to spend money just for the sake of it?

• Do you want to talk about ways you could spend less on the things you want or need?

• Do you feel pressure to have all the latest things, like clothes, gadgets, etc.?

• Does it feel like there’s no way to have a good time without spending money?

• Do you feel like you’re a smart spender, or do you want to talk about ways you could improve?

• Do you see ways where I can spend money a little more wisely? What are they?

Remember:
-- Children, like adults, often feel that spending money will make them feel better, or that a purchase will somehow instantly improve their lives. It’s important to help your kids view spending realistically.

-- The spending habits that lead to deep debt and bad credit can develop early in life. If your child learns how to control spending and be a smart consumer now, later problems may be less likely.