12 money-saving tips to help your family prepare for their future :

1. Learn to save young - Piggy banks, savings accounts, and money tins,
2. Respect money and it will respect YOU!
3. Give pocket money and make them earn it,
4. Reward hard work, not a failure,
5. Spending money doesn't have to be associated with having fun (what's free and enjoyable for the family),
6. Everything in life trades time for money - Is it worth it?
7. Instant vs delayed gratification?
8. Plan for the future,
9. Stop buying it (because you never had it as a kid),
10. Do I really need it? *use my 24-