Kids Can Save Pennies
Lessons in Personal Finance for Kids, Teens, & Adults
How many times have you heard the phrase: Save your pennies? Pennies? Save them for what? How many times have you walked by a penny lying on the ground and just left it?
Well, call me crazy, but unless my life is put at risk bending down to pick up a coin, I’ll do it. Why would I do such a thing when pennies are pretty much obsolete? Because, although a penny may be just a penny, it’s the concept of saving that matters most. After all, a penny saved is a penny earned, right? Okay, enough of the clichés.
When I look back at my 20+ years of formal schooling, the one thing I was never taught was personal finance. Even still today, with all of the “new” topics and teaching methods, there still isn’t a large focus on how to manage personal finances. Students are taught algebra now in second grade, but do they know how to calculate change when buying something? Most likely, no. Yet this is something ALL students MUST learn about. All of them will be expected to have their own bank accounts, work, and pay for their living expenses. This is probably the biggest transition to adulthood and most students are not prepared for it.
Now, most of this is common sense, right? Don’t spend more than you make… blah, blah, blah. But do teens and young adults know how to make and stick to a budget? How about how credit/debit cards and personal checks work? If they don’t understand these simple concepts, we’re setting our kids up for failure. Whether you want to teach your own kids about personal finance or you’re an adult deep in debt, here are some lessons that I’ve learned the hard way that I hope you can either avoid or learn from.
This is not rocket science, and I certainly don’t have a finance degree, but I DO know kids learn best when they’re exposed to general concepts every day and they see how those concepts can be applied to their world. So, let’s learn how to be more financially aware and in turn save more pennies.
This course is broken up into 8 modules. The first 2 are concepts to teach school age kids, the next 4 are for teens, and the last 2 are for (young) adults. However, YOU are the parent and only you can show your children how to become responsible, young adults. You can choose which concepts to teach and which not to. My only hope is that they get a well-rounded glimpse of living in the real world before they try to conquer it.
As a Writer
Michelle McCorkle has published more than 13 novels and eBooks and has been writing for 17 years. Her novels consist of young adult/adult fiction and her eBooks are in both fiction and non-fiction genres.
As a Teacher
She has a Master's Degree in Education and has been teaching middle school English for over 25 years. She's also taught several summer camp programs of novel writing to students in grades 5-12, but found there was a higher demand than just those students who could make it into the classroom during the summer months. Therefore, she decided to open up and expand her courses to anyone who'd like to learn how to write their own novel.
As a Person
She's also the mother of 4 daughters, and when she's not reading or writing, enjoys swimming, travelling, and gardening,