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By working for an allowance, kids learn the concepts of spending, earning and saving. You can help your children save and budget for things they would like to buy and even open a savings account together. It is never too early to provide your kids with lessons about conscientious spending habits and the value of money. Credit cards are one of the biggest challenges parents confront while trying to instill good fiscal behaviors in older children. Most financial experts tell parents to educate their children about credit cards, while they are still at home and under their watchful financial eye.