{"id":8430,"date":"2016-07-04T01:00:57","date_gmt":"2016-07-03T15:00:57","guid":{"rendered":"http:\/\/realestatetalk.com.au\/?p=8430"},"modified":"2016-07-04T01:00:57","modified_gmt":"2016-07-03T15:00:57","slug":"what-would-your-kids-do-with-20","status":"publish","type":"post","link":"https:\/\/channels.realty.com.au\/realtytalk\/what-would-your-kids-do-with-20\/","title":{"rendered":"What would your kids do with $20? – Effie Zahos"},"content":{"rendered":"

 
\nWhat would your kids do if their Grandma or Grandad gave them $20 as a birthday present? <\/strong>
\nToday we tell you about a book written to help kids understand the importance and true value of money. Paul Clitheroe has said \u201cEvery child, teacher, parent and grandparents should read this book.” Find out why as we talk to the author \u2013 Effie Zahos<\/strong>.
\n <\/p>\n

Transcript:<\/strong><\/h4>\n

Kevin:<\/b>\u00a0 What happens when you give a child $20 as a Christmas gift? How do they go about spending it? Do you really concern yourself with that, or is this an opportunity for you to start to teach them some things about money and how best to use it?
\nI\u2019m going to talk to Effie Zahos now. Effie is the editor of Money<\/i> magazine and has written a great book that we told you about a little while ago called The Great $20 Adventure<\/i>\u201d
\nGood day, Effie. Thanks for joining us.
\nEffie:<\/b>\u00a0 Thank you for having me.
\nKevin:<\/b>\u00a0 Paul Clitheroe has said that every child, teacher, parent, and grandparent should read this book. That is a great endorsement, isn\u2019t it?
\nEffie:<\/b>\u00a0 It is a great endorsement, and I\u2019m very grateful for it. I\u2019m hoping it\u2019s coming from a place in the sense that we focus a lot on financial literacy for children when they are teenagers or maybe when they are young adults but very little is said or done when they are young. I\u2019m talking in the age group of, say, two to ten years of age. That\u2019s where our money habits are formed.
\nI guess it came about from a place whereby my own son would spend every cent he had on Skylanders. If you\u2019re a mum and dad out there, I know you\u2019ll know what they are, because they have been the most annoying toy to buy, I think. My son kept buying Skylanders with all of his birthday money, and it got to the stage where I walked past the toy room and I added up all of the little Skylanders he had. They\u2019re about $10 a pop, and it was almost the size of a small deposit on a home. No exaggeration. It adds up.
\nKevin:<\/b>\u00a0 Incredible. In writing this book you made it a bit of an adventure for kids. Tell us how that came about, and where did the characters come from?
\nEffie:<\/b>\u00a0 The characters actually came from people I\u2019ve met through my life, and then I associated animals to them so that children can relate to them. But these are characters that your children will meet, and I\u2019m sure you have met, as well, and they are the decisions we have with money.
\nA lot of kids think that all you can do with money is spend it, but I wanted to introduce some fun and excitement whereby a little boy, Max, does receive $20 from his grandma and he doesn\u2019t know what to do with it other than spend it, and his mother says, \u201cNo. Hold it! Why don\u2019t you take George\u201d \u2013 that\u2019s his little dog \u2013 \u201cfor a walk and have a think about what you should do with the gift that Grandmother has given you.\u201d
\nHe comes across these characters and, like I said, I\u2019ve met a few of these. Donny Dangerous, I would say, is probably my favorite in the sense that I\u2019ve met a few Donny Dangerouses in my life. Donny urges him to leave the $20 with him and he\u2019ll double it, so if he comes back tomorrow he\u2019ll have $40. Obviously, Donny Dangerous is a con man. Little George, Max\u2019s dog, doesn\u2019t like him, and Max says, \u201cWell, no. I\u2019ll think about this and I\u2019ll keep walking and consider it.\u201d So he goes along for the walk.
\nEventually the party gets bigger and bigger because he comes across all of these other animals. You have Jack Flash, the most extravagant turkey you\u2019ll ever see, and he is all about spending, spending, spending, spending, and he\u2019s trying to convince him, \u201cWell, you can spend the money.\u201d Then you have Miss Penny Saver, the squirrel, who suggests, \u201cYou know, you should actually be saving.\u201d And you have these beautiful illustrations. I met this woman who illustrates children\u2019s books, and she really put the story to life with these characters.
\nThere\u2019s also a philanthropist, Mr. Givings, who says there are a lot of other people who need this money as opposed to just wanting it. We try to talk about the difference between needs and wants.
\nAfter each character he comes across, the parents do have a chance to chat. \u201cShould he give his money to him or her? What would you do?\u201d So it encourages conversation as well as making it quite exciting because, like I said, his walk gets bigger and bigger. There are more people joining him and he has to make this big decision with the pressure of everyone around him.
\nKevin:<\/b>\u00a0 Effie, is there any time when it\u2019s too early to teach kids about money?
\nEffie:<\/b>\u00a0 I don\u2019t think so. I think that as soon as children can recognize numbers \u2013 so they can count to, say, 10 \u2013 it\u2019s time to talk about money. I think it\u2019s the exercise of just talking about it when it pops up naturally organically. When you\u2019re out shopping and out and about, and you are handling cash, talk about it, that this is a price and this is what it\u2019s worth, and do you want this, do you need this?
\nThe sooner you start, the easier it is to them to form their money habits. Because if you don\u2019t, children do really look upon what you\u2019re doing. If you have a 10 year old who is bad with money, I always say, \u201cHave a good look at yourself, because chances are that they have those habits from you.\u201d
\nThe difficult thing in this day and age, if I can say, is that we don\u2019t handle enough cash. Everything is done virtually electronically, and there is your challenge.
\nKevin:<\/b>\u00a0 It\u2019s interesting, Isn\u2019t it, to think about the conversations around the kitchen table and how we influence our children at a very young age to give them their mindset about money. We have to think about our conversations about money and how we treat it because that\u2019s going to be instilled in our kids.
\nEffie:<\/b>\u00a0 It absolutely is. If there is tension at home because money is too tight or you\u2019re in some financial woes, your children will pick that up. If you\u2019re not tackling it, they will also grow up in a situation where they just bury their head in the sand, so to speak, when it comes to finances.
\nBut if you\u2019re open and honest with it and put a plan in place and discuss it, and what I mean by that\u2026 You must be thinking, \u201cWould you do that with an eight-year-old?\u201d I do. I do bring the electricity bill when it comes in and I show them, \u201cLook, this is what we paid last quarter and this is what we paid this quarter,\u201d and it\u2019s because it\u2019s winter and you\u2019re probably using more of the heaters. \u201cRemember to switch off lights or do things like that and we can bring the costs down.\u201d
\nI do talk to my kids about the family bills because they need to be involved, too. They need to understand that you do earn an income, you have these expenses, and you can manage it and cut your costs down depending on your actions.
\nKevin:<\/b>\u00a0 That leads me to my next question, Effie. Is it realistic to get children to start saving for things that will really matter to them later in life, like buying a car or even buying a home? Or should their money goals be a little bit more short term do you think?
\nEffie:<\/b>\u00a0 That\u2019s a very private matter between the parents and the child. I\u2019ve been on the money brand for almost 20 years and I have met children who will just shock you with the amount of savings they\u2019ve had \u2013 14 year olds who have got, say, $30,000 in their bank account and could buy a car, which is great. They\u2019ve been working and they\u2019ve been saving their pocket money. Credit to their parents who have done that.
\nThen I have other children who have no idea and have just been given everything because their parents have gotten busy, life passes by, and they\u2019ve forgotten to pass on the money skills that you have. It\u2019s really important that you do that.
\nI think it\u2019s really important that kids do save. I am from the old school of opening an account and getting them to see their statements. I don\u2019t care if it\u2019s online or on paper, but get them to see what some savings does. Match their savings if you can afford that. So if they manage to save, say, $50 a month, you put an extra $50 in there. Give them an incentive to build those savings.
\nAny way that they can learn to save at a young age makes it so much easier later in life. Can you imagine turning 18 and all of a sudden, you have to put money away. It would be a foreign thing to you. Whereas if it\u2019s a child who does put even $2 away\u2026 Get them excited about looking online. Go online and show them, \u201cThis is your bank account. You put $2 in last week and this is what\u2019s happened.\u201d You probably earn little interest unfortunately in this environment, but there are some good online saver accounts that are paying around 3% or 3.5%. The idea is really to get them into a regular habit.
\nKevin:<\/b>\u00a0 I\u2019m talking to Effie Zahos who is the editor of Money<\/i> magazine and also the author of a great book called The Great $20 Adventure<\/i>, a great way to teach your kids about money. It\u2019s available at all good bookstores.
\nEffie, could I just ask you this question and this is all about making gifts conditional, I guess, and for those of us who can give our kids or our grandkids $20 as a Christmas or a birthday present, should we have restrictions on how they spend that? Is that the best way to teach them?
\nEffie:\u00a0 <\/b>That\u2019s <\/b>a good question. If you are giving someone a gift, do you think you should be able to control their spending? I think as a parent, you should actually give them some guidance, and this is what this book is all about. It\u2019s about giving the child the knowledge and the power and the options that you don\u2019t have to spend the whole $20. There are other options in what you can do with it.
\nI think as a parent it is your responsibility to at least highlight that you should put some money away for a rainy day because this can happen, or that\u2019s nice that you can buy this right now but did you know you could get something bigger and better if you wait a couple more months to build on it?
\nLater on as their savings do grow, it\u2019s also important to maybe get some help as a parent about what is the best name to put it in, because I do see some situations where kids\u2019 savings do grow quite well and quite high and kids can pay a ridiculous amount of tax if it\u2019s just in their name.
\nThe government has done that because in the past parents have been hiding a lot of their own money in kids\u2019 accounts. Do be careful as to how you set up your kids\u2019 savings accounts especially when their balance gets quite big.
\nKevin:<\/b> \u00a0Great advice. Remember it\u2019s never too early to teach your kids about saving money.
\nEffie Zahos has been my guest. Effie is the editor of Money<\/i> magazine. That book again, The Great $20 Adventure<\/i>. It\u2019s available at all good bookstores right now.
\nEffie, thank you so much and thank you for spending some time with us this morning to tell us about your new book.
\nEffie:<\/b>\u00a0 A pleasure. Thank you. And if you want to get onto Magshop.com.au, you can get it online, as well.
\nKevin:<\/b>\u00a0 Excellent. Thanks, Effie. Talk to you again soon.
\nEffie:<\/b>\u00a0 Thank you.<\/p>\n","protected":false},"excerpt":{"rendered":"

  What would your kids do if their Grandma or Grandad gave them $20 as a birthday present? Today we tell you about a book written to help kids understand the importance and true value of money. Paul Clitheroe has said \u201cEvery child, teacher, parent…<\/p>\n","protected":false},"author":176692471,"featured_media":8462,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[34,10,11,13,36,17,25],"tags":[101],"class_list":["post-8430","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance-topic","category-kevin-turner-sponsored-channels","category-kevin-update","category-latest-story","category-property-investment-topic","category-property-investment","category-sponsored-channels","tag-podcast"],"yoast_head":"\nWhat would your kids do with $20? - Effie Zahos - Realty Talk<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/channels.realty.com.au\/realtytalk\/what-would-your-kids-do-with-20\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What would your kids do with $20? - Effie Zahos - Realty Talk\" \/>\n<meta property=\"og:description\" content=\"  What would your kids do if their Grandma or Grandad gave them $20 as a birthday present? 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