Like many parents, you may feel pressure to buy the latest toy or battery-powered gadget when your child begs for it. But don't cave in and pull out your credit card each time your son or daughter gives you those puppydog eyes or has a tantrum. Standing firm can prevent your children from being spoiled now – and help them become financially responsible adults in
the future.

Lessons for a Lifetime
Follow these tips to teach your children how to manage money and avoid watching them tug on your purse strings into adulthood.

• Start the lessons now. Even toddlers can learn the concept of money. Take your child to the store with you and let him or her see how you pay for things. Children can participate in this exchange by handing money to the cashier or taking change.
• Set up a budget for nonessential items and stick to it. This way, both you and your child know how much is available to spend. You can avoid overspending and those nasty arguments in stores.
• Give them responsibility. As your children get older, an allowance can be an important tool to teach them about the value of money. Encourage your children to save a portion of their allowance to buy more expensive items later or have them donate a portion to charity.
• Set a good example. Children watch how their parents behave and often pick up habits that they carry into adulthood. Make sure you demonstrate good financial habits and your children may, too.

We're Here to Help
At St. Mary's Bank, we know that teaching your children about money can be difficult. That's why we're here to help them start off on the right foot. Sign your children up for a savings account today and help them start saving for their financial future.

Help your children off to a financially bright future with a savings account from St. Mary's Bank today!

Your Child Can Be a Super Saver ...

Learning to be a sensible saver helps kids develop good money management skills. St. Mary's Bank Kids' Club Account offers no minimum daily balance, no fees and an attractive interest rate. It is available in passbook or monthly statements. Start your kids off on the right path to financial independence and open an account.

As part of the Kids' Club you will also receive Super Saver
e-mail newsletters, tips and games right to your inbox. For more information, call our Member Contact Center at 1.888.786.2791 or visit us online at www.stmarysbank.com.