Vicki, yes you are right, lead by example.

I have a regret in this money area. When our oldest was very yound and got a littel allowance, we taught him to save a third, give a third to the church, and use the other third for his little treats. Oh how I wish we had kept that habit. He probably doesn't even remember it.

I got a kick out of my daughter while shopping with her this summer. She found a skirt for 3 or 4 dollars on a sale rack. She was proud of herself when it fit and she purchased it with her own money.

You go girl! That's my little girl.

She's also the same one who spends $6.00 on two chocolate covered strawberries and brings them home to her brother and me. God love her! I'm gonna have to tell her she could get a couple shirts to go with her skirt if she stopped buying chocolate covered strawberries.