 It doesn’t matter what your income is, we all live on a budget. And every person’s budget will change over time. It’s important to realize that living on a budget doesn’t mean deprivation, it means being aware of how and where you spend money—and being realistic about how much money you have to spend. It means making smart decisions more times than not.
 Research shows that only one-third of parents discuss financial issues with their children, and only one out of seven parents believes their children have a solid understanding of financial matters. In addition, the majority of children determine their attitudes about money by the time they finish fifth grade. As a result, many states are beginning to emphasize the need for personal finance education for children. Below are ten personal finance principles that every child should know.
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Pennsylvania Association of Community Bankers
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