The ULTIMATE Online Financial Literacy Resource for Teaching Financial Literacy Resource for Teaching ... You dont need to know everything about money and your finances dont have ... These are essentially things they

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The ULTIMATE Online Financial Literacy Resource for Teaching Kids about Money www.lifeandabudget.com http://www.lifeandabudget.com/http://www.lifeandabudget.com/http://www.lifeandabudget.com/Why Do I Need This Resource? Parents,Letmeaskyouaquestion?Ifyoucouldmakealistofthetopthreethingsyouwishyourparentswouldhavetaughtyoubeforesendingyouoffintoadulthoodwhatwouldthosethingsbe?Formanyofyou,Iwouldntbeafraidtoguessthatfinanceswouldbeincludedonthislist.AmIwrong? Youvegraduatedfromcollegeandintoabuttloadofdebt.Yoursignificantotherfollowedasimilarpathandnowyoutwohavejoinedandhadafewkiddosofyourown.Thebudgetseemslikeitsneverrightandyourdebtseemstobecompoundingwithnosavingstospeakof.Soofcourse,alessoninmoneymanagementwouldhavebeennice.Imsurethisscenarioresonateswithmanyofyou,althoughsomeofyoumighthavemanagedtopayoffthisdebtbynow.Ifthatsthecase,cheerstoyou!However,therestofusarestilltryingtocatchup!Pleasebarewithus.Caughtupornotourkidsarenotwaitingonustobecomeperfectwithourmoney.Theyaregrowingfastasweedsandlearningeverythingmorequicklyandefficientlythanweeverdidattheirage.Weseewhattheoutcomefromalackoffinancialliteracydidforusandwewanttohelppreventthemfromtravelingasimilarpath.Thatisexactlywhyyourehere,isntit? Well,itsthereasonIvejourneyedtothispointthereasonImwritingtoyou.IvegottheBachelorsdegree,theMBA,anda$79,000studentloanbillduewithNavient.AlongwiththatIhavethemortgage,carpayment,miserly401k,andinsufficientemergencysavingsfund. Imrightthereinthethroesofitallwithyou,butImnotgoingtoletmycircumstancesstopmeteachingmychildren.Mydaughteristurning6thisyearandmy7montholdsonislyingasleepbesideme.TheyarentslowingdownandIdontwanttheiroutcometobethesameasmine.ThatswhyImlearningasmuchasIcannowsoIcangivethemalltheknowledgeandwisdomIvegatheredonmyowntumultuousfinancialjourney.ImhellbentondoingeverythingIcantopreventthemfrommakingthesamefinancialslipupsIvemade.OnmyquesttoseetoitthatImprovidingthemwiththecorrectknowledgeIdiscoveredthatresourcesforteachingkidsaboutmoneyisscatteredallovertheplace.Therewouldbeagreatarticleonthefirstpageofagooglesearchandthennothingforthenext10orsopages.ThatdidntdetermeIkeptlookingandIvefoundsomehelpfuladviceandtoolsthatareavailableforparentslikeyouandmetouse. AfterIbegangatheringtheinformation,IwantedtosaveitsoIcouldrefertoitasmychildrengrew.SinceImnottheonlymillennialparentouttherestrugglingtofindthisinformation,IthoughtIdcompileitintoadownloadableformattosharewithothers.Accordingtothe2015JuniorAchievementTeenandPersonalFinanceSurvey,Millennialparents,ages1834,aretheleastlikelytobeconfidentaboutexplainingmoneymanagementtotheirkids:60%reportfeelingconfident,while76%ofparentsages3544and79%ofparentsages4554reportfeelingthesame.Thisresourcewascreatedtohelpboostyourconfidenceasyoumakethedecisiontobetterprepareyourchildrenforfinancialsuccess.Youdontneedtofeartalkingaboutmoneywithyourkidsbecauseyoudidntreceivesoundfinancialwisdomfromyourparents.Allittakesisawillingnesstolearnmoreandthecomprehensionneededtoseethebiggerpictureafutureoffinancialsuccessforyourchildren.Nowitstimetogettowork.Savethisguidetoyourphone,tablet,orcomputer.Grabanotebookandlabelitwhateveryoulike.IcallminetheKidsMoneyBootcamp.Bothofmykidswillhavetoendurethisbootcamp,butImgoingtomakesureitsasfunaspossiblesotheywillgrowtolovethetopicofpersonalfinance.Inthisguide,youllfindsometips/advice,twoexercises,andathoroughlistofresourcesIvefoundonlinethatwillassistyouinteachingyourchildrenaboutmoney.OnceyouvereviewedallofthisinformationandtheresourcesIvefound,youwillbasicallyhaveeverythingyouneedtomapoutyourownmoneybootcampforyourkids.So,nomoreexcuses!Youdontneedtoknoweverythingaboutmoneyandyourfinancesdonthavetobeperfect.Matteroffact,thismakesyouevenmorequalifiedtoteachyourkidsaboutfinancesbecauseyouhaveskininthegame.Youhavereallifeexperienceonthethingsnottodoandthethingsyoushouldhavedone.Thisisvaluableteachingmaterialforyourkidsfinancialliteracy.Stopbeatingyourselfupandputallofthatexperiencetoworkforyou.Letstakechargeofourownfinancialfutureandhelpourkidswhilewereatit. http://www.jacolorado.org/financial-literacy-statistics-kids-and-teenagers/Money Values Beforewegetintothethingsweshouldteachourkidsaboutmoney,IliketofocusonthevaluesIwantmykidstohaveaboutmoney.Theseareessentiallythingstheyshouldknowbeforepilinginformationdowntheirthroatsaboutcreditcards,interestrates,stocks,etc.Evenwithknowledgeoffinancialprinciples,ifwelackvaluesregardingmoney,itcanbeverydestructive. 6ThingsIWantMyKidstoKnowAboutMoneyHerearethe6valuesIwanttoinstillinmychildren(youcancheckouttheentirepostbyclickingthelinkabove):1) Nooneisentitledtomoney.2) Moneydoesntgrowontrees.3) Focusmoreonearning,notborrowing.4) Saveasmuch(ormore)thanyouspend.5) Dontworshipmoney.6) Livebelowyourmeans,regardlessofyourincome.Ibelievethese6basicvaluesareagreatfoundationtobuildonwhenteachingyoungchildrenaboutmoney.YouandIhaveseentherepercussionsofindividualswhofailtorealizeoneorallofthevalueslistedabove,anditaintpretty.Ifweregoingtosetourkidsupforsuccessletsmakethismoneybootcampawellroundedone. Exercise:Writedownyourownpersonallistofmoneyvaluesyouwantyourkidstolearn.http://lifeandabudget.com/6-things-i-want-my-kids-to-know-about-money/http://lifeandabudget.com/6-things-i-want-my-kids-to-know-about-money/General Timeline of Things Your Kid Should Know by Age Group Ages2and3Arenttheysocuteatthisage?Yeah,wellcuteornottheyarereadytobeginmoneybootcamp.Theyvealreadyseenyouspendmoneyatthestoreandtheyarecurious.Grabsomecoinsandteachthemcoinidentification.Nowyoucanfocusontheircutenessagainandlaughathowtheypronouncethecoins.Nowisalsoanidealtimetoteachthemaboutwantsandneed.Keepitsimplebyreinforcingsimplethingslikeshoesbeinganecessity.However,apairofFrozenorNinjaTurtleshoesarewants.Continuetoreinforceideasliketheseastheygrowandtheywilleventuallygraspthatjustbecausetheyhaveaneedforshoesdoesntmeantheyneedthemostexpensivepairoroneswithcartooncharacterstheylike.Ages4Ifyoustartedcoinidentificationearlyassuggested(unlikeme),thenyourereadytoshowthemhowthosecoinsworktogether.Keepitsimple.Givethemexamplesofthingstheycouldpurchase.IliketoworkwiththingsIknowmydaughterlikesandask,Iftheladyinthestoreaskedfor$.50forapieceofcandy,whatwouldyougiveher?ThenIshowhervariationsofhowtocomeupwith$.50.Theeasiestoneforhertorememberrightnowistwoquarters,butitsgoodforthemtoseetheycanusenickelsanddimestocomeupwiththesameamount.Oncetheyhaveanideaofhowcurrencyworkstogethertomakedifferentpurchases,theyarereadytoheadofftothestoreandmaketheirownpurchases.Givethemawalletorpurseandallowthemtobeincharge.Letthempickwhattheywanttopurchaseandhelpthemdetermineiftheyhaveenoughmoneyforit.Iftheyfindsomethingtheycanafford,theygettobebigboysandgirlsandpaytheclerkatcheckout.Age5Atthisage,itsgoodtoaddanotherelementtothemixsavings.Introducetheconcepttothembyexplaininghowyousaveupforalargerpurchase.Perhapsyourchildwantsadollhouse,rollerskates,orsomethingalongthatnature.Thesearepriciertoysandsomethingyoumightnotwanttopayoutofpocketforunlessitstheholidaysortheirbirthday.Thisisanopportunitytoteachthemhowtosaveforthesetypesofpurchases.Tointroducethisconcepttheywouldneedsomemoney.Iseparatedages4and5becauseIfeellikeage5isagreattimetostartgivingthemanallowance.Thiswillhelpreinforcesomeofthelessonsinsavingsandgivethemanopportunitytobeginmakingmistakesontheirown.Forexample,ifJillwantsthatdollhouse,shesgoingtohavetosaveforit.Itwilltakeherawhiletosaveupforit,butitwilltakeevenlongerifshedecidestospendherallowanceonthingsotherthanhersavingsgoal.Itmaybeahardlessonfora5yearold,butitspractical.Ages6to8Theseareperfectagesfortakingyourchildtothebanktomakedepositsintotheirsavingsaccount.Ifyoureanythinglikeme,yourkidmighthavehadonebeforetheywereabletowalk.However,havingoneandnotknowingaboutitisdoingthemadisservice.Sotakethemtothebankandletthemknowtheyhaveaplacetostashtheirallowancemoney.Also,thisisagreattimetoteachthemaboutthosebillsthatcomeinthemaillikeclockwork.Whatdokidsthinkwedowithourmoneyanywayspenditallonthem?Whilethatmaybetruetoanextent,kidsneedtoknowwepayforthehousetheylivein,thelightstheyuse,andthewatertheydrink.IftheydontknowthistheywillthinkthatmommyanddaddyaretheirownpersonalATMs.Wedontwantthatnow,dowe?Dontoverwhelmthem,justshowthemafewsmallbillsandhavethemadditup.Givethemtheopportunitytoseeyoupaythebillsandexplainitinawaythatseasyforthemtounderstand.Ages9to12Thereareseveralthingsyoucanteachthisagegroup.Thefirstthingistoteachthemhowtocomparethingswhentheyareshopping.Givethemasimpletaskofpickingoutthespaghettisaucefordinner.Showthemthepriceperunitandthepriceoftheitem.Encouragethemtolookhighandlowontheshelvesforthebetterpricedproducts.Allowthemtomakeaninformeddecisionbasedontheinformationavailable.Next,teachthemaboutcreditanddebitcards.Explaintothemhowusingadebitcardiswithdrawingmoneyfromanaccounteachtimeitisused.Ifthereisnomoneyintheaccount,itcantbeused.Explaintheconsequencesofnotresponsiblymanagingthebalanceintheaccount.Forcreditcards,explainthatthisisborrowedmoney.Itcostmoneytoborrowmoneybecauseyouarechargedinterest.Explaintheconsequencesofnotpayingcreditcardbillsontimeorspendingmorethanyoureallowedtoborrow.Ages13to15Thisiswherethingsstartgettinginteresting.Atthisage,yourkidsareinfluencedbymanymorepeoplethanyouandifyoureluckytheyveingestedalotofyourwisdomaboutmoneyupuntilthispoint.Thisisatimetoreinforceeverythingtheyvelearnedbyhelpingthemsetupabudget.Abudgetforwhat,youmayask?Givethemfreereinwhenitcomestopurchasingtheirtoiletries,payingforschooldances,giftsforfriends,weekendmovies,etc.Givethemacertainamountofmoneytocoverthesethingseachmonthandhelpthemcreateabudgettohelpthemmeettheirsavingandspendinggoals.Duringthistimeframe,itmaybebeneficial(dependingoneachindividualchild)foryourchildtopickupextraincomeduringthesummerorontheweekendstohelpthemsaveorbuythingsthatarenotconsideredaneed.Ages16to18Nowistheperfecttimetointroduceinvesting.Teachthemaboutstocks,bonds,andmutualfunds.Theyarepreparingtoheadofftocollegeandtheyneedtostartconsideringthelongterm.JustimagineifwedtakenaportionofourpaycheckandinvestedinanIRAatage16?Thisisagreattimeforyourchildtobeginmakingimportantdecisionsaboutsavingsandinvestingespeciallyiftheyhavetheirownjobsorbusinesses.Teachthemhowcompoundinterestworksinthefavorofyoungerinvestors.Askthemquestionsaboutwheretheyseethemselvesaftercollege.Woothemwiththescenarioofhowbeingfinanciallypreparedaftergraduatingcollegecouldmeanpursuingtheirdreaminsteadofsettlingforameagerentryleveljobtobackstudentloans.Bypreparingahead,theycouldavoiddebt,createpassiveincomethroughinvesting,andwaitforanopportunitytopursuesomethingtheyarereallypassionateabout.Exercise:Createyourownkidsmoneybootcampoutline.Hereareafewguidingpointstohelpyoucreateyouroutline:1) Considertheageofyourchildandfocusyoureffortsonlearningexperiencesthatwillenhancewhattheyalreadyknowaboutmoney.2) Thinkofteachablemomentsinyoureverydaylifewhereyoucanteachyourchildamoneyconcept.(Groceryshopping,billpayments,laundry,carmaintenance,bankerrands,etc,)3) Whatwillyouneedtoenhanceyourlearningandteachingexperienceduringyourchildsmoneybootcamp?Considerthethingsyoudontknowaboutmoneyandwouldliketolearn.Whattoolswillyouneedtocarrythroughwithyourmoneybootcamp?Doyouneedtoconsiderseekingwisdomfromsomeonewhoismorefinanciallysoundthanyou?Nowthatyouhaveanideaoftheprinciplestointroduce,theagesmostappropriatetointroducethem,andanoutlineofyourmoneybootcampitstimetogettothemeatofthisresourceguide.Inthenextsection,youwillfindalltheBESTresourcesIvefoundthatwillhelpyouduringeachstageofpreparingyourkidsforfinancialsuccess.Ivefoundaplethoraofarticles,websites,games,apps,andbooksthatarereadytobeexploredbyyou.Whilegoingthroughthissection,refertopart3ofthelastexercisewhereyoufocusedontheitemsandresourcesyouwillneedtohelpyouwhenteachingyourkidsaboutmoney.Dontjustletthisguidecollectdustinyourcomputerfiles.Savethisonyourdesktopandrefertoitwhenyouneedtheparticularresourcethatismostappropriateforwhateverstageyourein.Ifyourkidis5yearsoldyoumaybelookingforeasygamestoteachmoneyconcepts,bookstoreadthatteachesvalues,etc.AllofthisyoucanfindusingtheresourcesIfoundinfollowingsection.Ihopethisresourceguidewillbeaninvaluabletoolforyouasyousetouttoteachyouryoungoneaboutmoney.Havebunchesoffun!Resources WebsitesIvetriedtoincludesomeofthebestwebsitesouttherethatwillhelpassistyouwithanyfurtherquestionsthatmayariseduringeachstageofyourchildsfinancialliteracyjourney.MoneyMastersKidsClub(awesomeresource!)MoneyasYouGrowTheMintDoughmainOurKidsandMoneyKidzCountAllowanceAcademyNextGenerationArticlesThissectionincludessomeofmyfavoritearticles(shamelessplug:afewwrittenbyme)thatIvefounduseful.Ifanyofthesearehelpful,pleasebedearsandshareonyoursocialnetworks.Youneverknowwhoisinneedofalittlehelpwhenitcomestoteachingkidsaboutmoney.GeneralTopics:TeachingOurKidsToSpendSave&GiveLifeandABudget5WaystoTeachKidsAboutMoneyDiseaseCalledDebtYourGuidetoRaisingFinanciallyConfidentChildrenTheHeavyPurseTheSmartWayToTeachKidsAboutMoneyWSJ7SmartThingsToTeachKidsAboutMoneyLivingWell,SpendingLessKids,Advertising,andYourBudgetLifeandABudgetFormoreresearchonkidsandadvertising,IhighlysuggestyoureadSneakyWaysAdvertisersTargetKidsCommonSenseMediaAllowancesandEarningMoney:http://moneymasterskidsclub.com/http://moneyasyougrow.org/http://www.themint.org/kids/http://doughmaineducationfoundation.org/http://www.ourkidsandmoney.com/http://kidzcountinc.org/category/blog/http://kidzcountinc.org/category/blog/http://allowanceacademy.com/blog/http://www.scholastic.com/nextgeneration/http://lifeandabudget.com/teaching-our-kids-to-spend-save-and-give/http://diseasecalleddebt.com/5-ways-to-teach-kids-about-money/http://diseasecalleddebt.com/5-ways-to-teach-kids-about-money/http://theheavypurse.com/your-guide-to-raising-financially-confident-kids-part-1/http://www.wsj.com/articles/the-smart-way-to-teach-children-about-money-1422849602http://www.livingwellspendingless.com/2014/04/18/7-ways-teach-kids-money/http://www.livingwellspendingless.com/2014/04/18/7-ways-teach-kids-money/http://lifeandabudget.com/kids-advertising-your-money-unplugging-cable/https://www.commonsensemedia.org/blog/sneaky-ways-advertisers-target-kidshttps://www.commonsensemedia.org/blog/sneaky-ways-advertisers-target-kidsOrganizationTips:MakeanAccountabilityBinderThirtyHandmadeDaysKidsResponsibilityandMoneyManagementKitMKMPAllowance101:HowMuchToPay,Why,&HowToMakeItWorkForEveryone(Amustread!)Fun,Cheap,orFreeQueenChildrenandBudgets:HowToTeachYoungKidsBudgetingHabitsEarlyOnLifehackerManagingMoney:CreatingaBudgetPBSKidsLearningMoneyManagementWithKidbudgetLifeasMomPainlessWaysToIntroduceYourKidstoBudgetingDailyFinancesFunWaysToTeachYourKidsBudgetingMSNBudgetingGameForTeensDesignMom(Averypracticalwaytoteachteensaboutbudgeting)ChildrenandSavings:HelpYourKidsSaveAlmost$5,000in10Years1YearSavingsPrintablesThirtyHandmadeDayAnEasyWaytoSave$7,976ForYourChildSingleMomsIncomeChildrenandDebt:HowToTeachYourKidsToThinkAboutDebtTheHeavyPurseTalkingToKidsAboutDebtLifeandABudgetChildrenandGiving:TheCharityAllowanceKidsMoneyManagementSoftware/Apps/GamesThissectionincludessomegames,software,andappsthatareavailabletohelpreinforcesomeoftheprinciplesyoumayintroduceyourchildrenaboutmoney.Dontusetheseasacrutchthough.Theyarenotasubstituteforyou!Thesearesimplyasupplementyoustillhavetoteachthebabies.FinancialPeaceJr.RichKid,SmartKidhttp://www.thirtyhandmadedays.com/2013/08/organization_tips_accountability_binder/http://www.modernparentsmessykids.com/2014/08/kids-responsibility-money-management-printables-pack.htmlhttp://funcheaporfree.com/2014/10/allowance-101/http://lifehacker.com/how-to-teach-young-kids-budgeting-habits-early-on-1528970036?trending_test_two_f&utm_expid=66866090-68.hhyw_lmCRuCTCg0I2RHHtw.5&utm_referrer=https%3A%2F%2Fwww.google.com%2Fhttp://pbskids.org/itsmylife/money/managing/article6.htmlhttp://lifeasmom.com/2011/06/learning-money-management-with-kidbudget-a-giveaway.html?utm_source=feedburner&utm_medium=feed&utm_campaign=Feed:+lifeasmom/oGdA+(Life+as+Mom)http://lifeasmom.com/2011/06/learning-money-management-with-kidbudget-a-giveaway.html?utm_source=feedburner&utm_medium=feed&utm_campaign=Feed:+lifeasmom/oGdA+(Life+as+Mom)http://www.dailyfinance.com/2014/10/16/budgeting-painless-ways-teach-your-kids/http://www.msn.com/en-gb/money/firstsaver/fun-ways-to-teach-your-kids-budgeting/ar-BBlDsGehttp://www.designmom.com/2015/07/a-budget-game-for-teens-that-i-totally-made-up-and-maybe-your-kids-will-like-it-too/http://www.frugallivingmom.com/how-do-i-get-my-kids-to-save-money/#_a5y_p=2517119http://www.thirtyhandmadedays.com/2014/12/1-year-saving-challenge-printables/http://www.thirtyhandmadedays.com/2014/12/1-year-saving-challenge-printables/http://www.thirtyhandmadedays.com/2014/12/1-year-saving-challenge-printables/http://www.thirtyhandmadedays.com/2014/12/1-year-saving-challenge-printables/http://singlemomsincome.com/easy-way-save-7974-child/http://theheavypurse.com/how-to-teach-your-kids-to-think-about-debt/http://lifeandabudget.com/talking-to-kids-about-debt/http://kidsactivitiesblog.com/64181/charity-allowancehttp://amzn.to/1n42wp6http://www.richkidsmartkid.com/PBSKidsOrgSavePerrysPenniesMoneyMemoryH.I.PPocketChangePracticalMoneySkillsforLifeGamesABudgetingGameForTeensDesignMomMonopolyJuniorDoughmainMoneyMatchMeCardsMoneyBagsBoardGameAllowanceBoardGamePayDayBoardGameMoneyWiseExactChangeLooseChangeBooksNowthisismyfavoritepart.IlovereadingandIvemadeitagoalfor2016toreadonepersonalfinancebookamonthinadditiontowhateverelseImaybereading.IplantoscatterafewpersonalfinancebooksaboutkidsandmoneyintothisyearsreadingplanandIhighlyencourageyoutodothesame.HerearesomeofthebestsellingbooksIcouldfindonAmazonaboutkidsandmoney(thesecontainaffiliatelinks,butIassureyouIwillnotgetrich):BooksforParentsRaisingFinanciallyConfidentKidsMaryHunt(readmythoughtshereatRaisingFinanciallyConfidentKidsAReview)SmartMoney,SmartKids:RaisingTheNextGenerationtoWinWithMoneyDaveRamseyDebtProofYourKidsMaryHuntTheEverythingKidsMoneyBook:EarnIt,SaveIt,WatchItGrowBretteSemberhttp://pbskids.org/itsmylife/money/http://pbskids.org/itsmylife/money/http://www.treasurydirect.gov/kids/games/games_perry.htmhttp://www.treasurydirect.gov/kids/games/games_moneymemory.htmhttp://www.usmint.gov/kids/games/http://www.usmint.gov/kids/games/http://www.usmint.gov/kids/games/http://www.practicalmoneyskills.com/games/http://www.designmom.com/2015/07/a-budget-game-for-teens-that-i-totally-made-up-and-maybe-your-kids-will-like-it-too/http://amzn.to/1n42ygQhttp://doughmaineducationfoundation.org/index.php/doughmain-education-foundation-resources/doughmain-education-foundation-money-games-for-kidshttp://amzn.to/1J5XIJzhttp://amzn.to/1n42EoDhttp://amzn.to/1n42Lk6http://amzn.to/1n42MUYhttp://amzn.to/1J5XNwRhttp://amzn.to/1J5XO46http://amzn.to/1J5XP85http://amzn.to/1n430M5http://lifeandabudget.com/raising-financially-confident-kids-a-review/http://lifeandabudget.com/raising-financially-confident-kids-a-review/http://amzn.to/1J5XQJ8http://amzn.to/1J5XTEEhttp://amzn.to/1J5XUIJTheMoneySmartFinancialSystem:TeachingFInancialIndependencetoChildrenofEveryAgeSteveEconomidesRaisingFinanciallyFitKidsJolineGodfreyTheFinanciallyIntelligentParent:8StepstoRaisingSuccessful,Generous,andResponsibleChildrenEileenGallo,JohnGalloMoneyDoesntGrowonTrees:AParentsGuidetoRaisingFinanciallyResponsibleChildrenNealeSGodfrey,CarolinaEdwards,TadRichardsWhyDidntTheyTeachMeThisinSchool?CarySiegelBooksforKidsTheBerenstainBears:TroubleWithMoneyStan&JanBerenstain DoINeedItorDoIWantIt?byJenniferLarsonLilyLearnsAboutWantsandNeedsbyLisaBullardTheKidsMoneyBookbyJamieKyleMcGillianShantiSavesHerMoneybyLisaBullardAlexander,WhoUsedToBeRichLastSundaybyJudithViorstOneCent,TwoCents,OldCent,NewCentBonnieWorthKiddieCoinKidsYay,youredone!Imsuperexcitedyoutookthetimetoreadthisandgothroughthismonsterlistofresources.IfthereisanythingIcandoforyouorifyoujustwanttosayhi,emailmeatlatoya@lifeandabudget.com.Illbeexcitedtohearfromyou.BesuretosignupfortheLifeandABudgetNewsletterformonthlyupdates.http://amzn.to/1n43h1vhttp://amzn.to/1n43h1vhttp://amzn.to/1jxIoJohttp://amzn.to/1n43lhLhttp://amzn.to/1n43lhLhttp://amzn.to/1J5XZMwhttp://amzn.to/1n43r94http://amzn.to/1n43iSWhttp://amzn.to/1J5Y2rShttp://amzn.to/1J5Y0QPhttp://amzn.to/1n43CBbhttp://amzn.to/1n43Gkqhttp://amzn.to/1J5Y8j3http://amzn.to/1n43Qbvhttp://www.kiddiecoinkids.com/corner-store.aspmailto:latoya@lifeandabudget.comhttp://lifeandabudget.com/life-and-a-budget-newsletter/IcanalsobefoundonTwitter,Facebook,andPinterest.http://www.twitter.com/lifeandabudgethttp://www.facebook.com/lifeandabudgethttps://www.pinterest.com/lifeandabudget/

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