I believe alot of managing $ is in your gene makeup. I was always a saver and would dream about something, save my $ and then buy it. It really meant alot. I just donated, unable to sell even for $5, the typewriter I bought for about $60 while in high school. I paid for it with my savings, most coming from babysitting at 50 cents an hour. That was alot of babysitting. I still save money, I saved for 4 years to add onto my house. My brother on the other hand goes through $ like it is water. He never knew how to save. We can just try with our children and hope they got the right genes and watched what was done at home.