I am constantly reminded of how awesome my family is. Today I went on a sales call with a financial commpany called Primerica. The company is not really right for @ but it was a good sales call and the woman was very nice. A lot of what Primerica does is like refinancing, consolidating debts, redistributing money by investing etc and educating their customers. In talking to this woman I realized what a huge gift my parents gave me when I was younger in how they taught me about money and budgeting. I believe that I received an allowance for 3 years maximum and got about $2 a week, maybe three by the end of the 3 years. For some reason that actually seems like a lot to me. Anyway, I think that I started to receive an allowance when I was in about 3rd grade, so I was 9 or so. There were several stipulations to my allowance though:
1) I had to do all of my weekly chores or I did not get any of my allowance...and they had to be done well.
2) In 3rd grade, before I was paid one cent, I had to write out a budget for my $2. I needed to write how much I would put into the following categories: long term savings, short term savings, spending money, and charity (my mom set a $.50 minimum on that one). And we had cans on top of the fridge for each category. Once we had accumulated a certain amount we would put the long term money into our savings accounts...that was my favorite part.
3) I had to write out what my long term savings and short term savings were for...I remember short term was a boombox...oh yeah.
The woman at Primerica was saying that they are now giving speeches to high schools and other groups trying to educate people on how to deal with money. I guess I never thought about people not having the kind of role model I did growing up. I mean, in high school one of the things I took pride in was that never asked my parents for spending money and never withdrew money from my savings...I'm still pretty proud of that. Wow I am a huge nerd. If only I liked numbers I could probably be a finance wiz. since I've been writing about them so much...here, again, are my parents during a vacation we took last winter.

Funny tidbit, when I was little I told my dad that I was never going to get a loan because I never wanted to buy something that I couldn't pay for right away, to which he replied, "you keep thinking that way."