Tag Archive: MoneyBags Moment

  1. Got Gifts?

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    It is official, today is Black Friday, which triggers people buying presents for the holidays.  Of course, your kids will likely receive some of these gifts.

    Over the years I have been asked how to keep kids grounded when they receive gifts, whether it is the traditional holidays, random gifts, or extravagant purchases.  The givers are usually family members like grandparents, aunts/uncles, or sometimes an estranged parent may purchase gifts to offset lost quality time.

    Gift giving is a very nice gesture, but unless you help your kids understand the big picture, they may begin to feel entitled or unappreciative.  To help prevent this, make it a MoneyBags Moment, let your kids know that lots of events happened before that gift came to them.  First, let them know that the gift is really a token of love and appreciation from the giver.  The giver decided that your child was so special that they spent their hard-earned money and time on them.   Explain to your kids that the giver worked to earn the money that purchased their present.  Next, the giver took time to think about and locate the gift.  Moreover, if it is wrapped and/or shipped this took additional time and cost.

    By taking steps to educate your children about what is really behind the gift, it will help them appreciate it and the giver more.  The goal is to teach them the importance of earning the money and choosing how to spend it.  To drive this message home, I believe having your kids write formal Thank You cards is the answer.

    This “old fashion” gesture, not only teaches your kids good manners, but it teaches them basic skills that they aren’t being taught in school.  This is your opportunity to teach them how to write a Thank You note and address an envelope.  As highlighted in Brian Tracy’s book “No Excuses” the act of writing actually “forces you to think and concentrate.”

    Furthermore, in this day of technology and instant gratification, to receive a formal Thank You card in the mail makes this kind gesture stand out.  Your kids will begin to realize that the gifts they are receiving are not typical and good manners dictate a formal acknowledgment.

    So, teach your kids this valuable habit and have them sit down and formally thank the giver.

    Here is to filling your MoneyBags!

    Wendy

  2. An Aha Moment!

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    Have you ever had an aha moment, like the old ad for Reese’s® peanut butter cups?  The ones where the peanut butter and chocolate collide and make the amazing Reese’s® peanut butter cup.

    In one of the several books that I have read over the years (I wish I could remember which one), it stated that one of the main reasons for the educational divide between poorer students and their peers is the lack of access to books in their home over the summer months.  In my search to find my source, I ran across this amazing pamphlet by Scholastic.com with some shocking statistics.

     

    Chocolate  

    Gum Drops  – A wonderful charity that provides weekend backpacks of food to at-risk children in Southern Illinois. This amazing charity was started by a classmate of mine, Amy (Carney) Simpson, to fill a vital need for thousands of kids.

    Peanut butter

    MoneyBags – A book to teach kids about money.  I just happen to have four cases of books sitting in my office, collecting dust as they wait to find a home.

     

    Resee’s® peanut butter cup (MoneyBags style)

    Put MoneyBags books into backpacks.  Thus, a special thanks to the Carterville Rotary for covering the cost and coordinating the shipping of the books to Gum Drops.  With their help, we put 160 books into the last backpacks before summer.

     

    Here is to filling your MoneyBags!

  3. MoneyBags E-Book – The Joy of Delayed Gratification Strikes Again!

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    After much delay, MoneyBags has entered the 21st century!!!!

    I am most excited to tell you that it is official, you can now buy “MoneyBags: A Guide to Teaching Your Kids About Money” as an EBook for $9.99! As a person from the “old school,” I have always enjoyed holding and reading a physical book.  However, I am surprised that I really like the EBook too.

    I found the whole process rather easy. I made MoneyBags my first purchase (of course) and I am impressed at how crisp and easy it is to read.  Furthermore, I like that you simply swipe to turn a page and that there are hyperlinks take you to the chapter or website with a simple click.  You can navigate back and forth to different chapters via the table on contents.  Plus, I can also change the font style, font size, line spacing, background color, margins, and brightness for my desired reading pleasure.

    Furthermore, most people carry their electric devices everywhere, so now it is super easy to walk through a quick chapter with your kids when you are waiting at the airport, on a long car ride, or simply waiting for you meal at a restaurant.

    For your MoneyBags Mission, please take a peek at the new EBook, rate it in the “Before You Go” section, and tell a friend!

    Here is to filling your MoneyBags!

     

    Wendy

     

     

  4. Don’t Waste Your Money!

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    A MoneyBags Moment!

    Do you ever have just a magical moment? When they occur it is so awesome it is like you are dreaming.  Well, that just happened to me.

    It happened when I was out with my boyfriend, celebrating my 20 year anniversary of being an advisor. We went to my favorite local hole in the wall burger joint, Blue Door.  It is here were we ran into our new friend Jayla.

    The burger joint is tinny and the waiting room for a table is back by the bathrooms. It was there where John saw Jayla write on the black board wall “Don’t waste your money.”  As we talked with here we found out it was her golden birthday (she just turned 8)!

    Needless to say, I was so move, exited, and impressed that I felt the only appropriate thing to do was to give her a book. I can tell by her wisdom that her mom was taking time to teach her valuable money lessons.

    Here is to filling your MoneyBags!

  5. The Importance of Using Cash

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    Professor Dan Ariely

    Professor Dan Ariely

    I watched a fabulous documentary called “(Dis) Honesty: The Truth About Lies” featuring Professor Dan Ariely’s lifelong work.  Many great insights came out of his research, one of which is that dishonesty grows the further one is away from actual money.

    In the documentary, Professor Ariely performs a matrix study which has people take a test where compensation is received at the end based on the honor system.  The subjects take a test and are given the key to the test so they can see and report how many questions they answered correctly.  The subject was then asked to shred their test and answers (or so they think).  Once their test was “shredded” they then proceeded to a test monitor to report how many answer they got correct and then rewarded with money accordingly (i.e. the more correct answers, the more money they received for their time).  In this study, they found that people “fudged” their results by one or two answers.  If they had four correct, they likely reported six.

    He then does the same matrix study, but this time after shredding their test instead of proceeding directly to the monitor for cash, they were given poker chips.  Then, they would proceed three feet away to the “cashier” to turn their poker chips in for cash.  What he found was that this ever so slight distancing from the money doubled the “fudge factor” in how many correct answers people were willing to report.  If they had four correct, they were now willing to “fudge” more and report eight correct answers.

    So, he tries the study one more time, but this time, he has people do a pre-test of writing down as many of the Ten Commandments as they can remember, or swear on a Bible.  In this scenario, the number of people being honest in their reported test results increased to 100%!  He even tested people of other religions and atheists to see if it would yield similar results, and the results held true.  The conclusion is that a simple reminder of one’s own general moral code will lead to more honest behavior bmmhzdx.

    Professor Ariely’s study shows that being reminded of moral behavior and keeping it top of mind can have huge impact on behavior.  As an example, one country made one small change on the letter they sent out to collect back taxes.  The simple little line of “nine in ten people pay their taxes on time” increased their collection rate by 5%, which sounds like a nominal number, but for a large country it means big money!

    Thus, your MoneyBags Mission is to share this blog’s link with a friend and then watch Professor Ariely’s documentary “(Dis) Honesty: The Truth About Lies” with your kids.  The program is currently on Netflix or is available for download on iTunes, GooglePlay or Vimeo.  After watching, discuss as a group what the implications of this research means for your family as well as each individual and how it might influence your behaviors toward money as we use more debit, credit and online currencies.  Perhaps you can come up with your own family’s Code of Honor to keep in your wallets, backpacks and hang on a wall.  The Family Code of Honor will be a good nudge to remind everyone to always be honest and use good financial sense.

    Here is to filling your MoneyBags!

    Wendy

     

  6. We Made Our Goal! Speaking of Goals…

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    <a href="http://moneybagslife click resources.com/wp-content/uploads/2015/01/MB-New-Years-.jpg”>MB-New-Years

    Thank you all!  Thanks to you, MoneyBags reached its goal of 200 Facebook Likes by midnight on December 31, 2014!  This shows the power of goal setting.  With that in mind, the following statistics from Personalplan.com1, quoting a Harvard Business study, sheds light on the power of goals.

    • 83% of the population does not have goals
    • 14% have a plan in mind, but are unwritten goals
    • 3% have goals written down

    The study found that the 14% who have goals are 10 times more successful than those without goals.  The 3% with written goals are 3 times more successful than the 14% with unwritten goal.

    When thinking about goals, Dr. Edwin Locke’s theory of SMART goal setting is quite valuable and can help you create your goals.  Under his theory, your goals should be Specific, Measurable, Attainable, Relevant, and Time sensitive.

    So, in 2015, here is your MoneyBags Mission:  Welcome 2015 by thinking about what financial goals you would like to accomplish and write them down SMART-ly.  Then, talk to your kids about setting up and writing down their SMART goal for 2015!  Don’t forget to check in on your goals periodically throughout the year to see where you are in accomplishing them.

    Here is to filling your MoneyBags!!! 

    1http://www.personalplan.com.au/2_PersonalPlan/Goal_setting_Facts/index.html

  7. MoneyBags, A Must Buy for Any Parent!

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    “A must buy for any parent…”, says David O task management for teams. England, host of Eye On the Market in his recent Market Minute.  We are very excited and appreciate David’s support in our mission of helping parents teach their kids about money.  If you agree with our Mission, please help us get the word out by sharing MoneyBags with your friends and family.  Take a listen to the spot here:


    To learn about David O. England, visit his website by clicking his logo below:

    EOM

  8. Beware the MoneyBags Monsters!!!!

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    MoneyBags Monsters

    It is almost here.  The spookiest time of year……………Halloween!!!

    When I reflect back on my childhood memories of this creepy holiday, I have several memories.  As a kid, what a cool day!  Not only do you get to dress up as your favorite character, but you go knocking on doors for free CANDY!!!  Plus, for several years I would march in a night parade with my baton group.  We had cool glow sticks taped onto our batons so people could see our awesome skills and the older girls twirled FIRE!  I always liked this parade, well, that is until the one year the grim reaper came up from behind and scared me of out my shoes!  Then, going forward, I was super skittish and always checking over my shoulder for creepers.

    As I got older, the holiday just kept getting scarier.  When I was in high school, Southern Illinois was the Halloween capital team project management tools.   Every year, they would have a record breaking number of people make the trip down to SIU’s campus for their street party.  I loved walking through the crowds looking at all of the costumes and just the sheer number of people that came for the holiday.  I am excited all over again, since I have found the Disney of haunted hayrides – The Dead End Hayride in Wyoming, Minnesota.  Last week I enjoyed the scary and creepy hay ride and maze.

    As an advisor, when Halloween arrives, I think of the Money Monsters!  Money Monsters are the sneaking creepy things that seem to take money out of your pocket, such as a car that breaks down, or a sick pet that needs to go to the vet.  Sometimes, it may be a lost job, or maybe medical bills.  The good news is, like garlic for a vampire or a night light for the ghosts in the closet, the best way to chase away the Money Monsters is to build a good cash reserve.  Once you have a pool of money set aside for the unexpected surprises, like the grim reaper that scared me, if you are prepared (looking over your shoulder), it makes the Money Monsters look like someone dressed up in a costume.

    Parents, this is a great time of year to sit down with your kids and walk them through the Money Monsters and the power that cash reserves has over them.  To help your kids anchor this lesson, consider taking some time out of your busy schedule and play a board game that involves money (Chapter 14), such as Monopoly, Pay Day, or Life.  As you play the game, talk to them about the amount of cash that they have and to plan ahead for problems that they may run into in a couple of turns.  To ensure that the games teach good money habits, make sure to click on the Resources tab and print off the MoneyBags game tweaks.

    Here is to filling your MoneyBags!!!

    Wendy

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