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Penny Pinchin' Mom

you can teach kids about money at almost any age

When to Teach Kids About Money

Okay, so you can’t talk stocks with your 3-year-old, but don’t underestimate your child’s financial savvy. According to research out of Cambridge University, kids can start learning financial concepts by age 3 and develop financial habits by 7. This may seem incredibly young, but kids are like sponges and they pick things up fast! So, if you are contemplating when…
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origami is a clever way to give money

Clever Ways to Give Money for Christmas 

It’s Christmas time, the season of giving! While nothing makes me happier than giving a loved one something special, I have to admit, I don’t like Christmas shopping. Whether in person at the mall or online, I always find myself scrambling to find meaningful gifts at the last minute. Gift-giving is fun when you’ve found the perfect present for someone,…
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have a no spend christmas with gifts from the heart

Thoughtful No-Spend Christmas Gift Ideas

Christmas is without a doubt my favorite time of year. I love almost everything about it. Getting together with family and friends, the delicious food, the decorations, all of the Christmas scents.  I enjoy everything about the holidays … except the huge amount of debt that often accompanies the Christmas season. The never-ending Christmas gift list for loved ones, friends,…
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Selling used baby clothes is easy with online consignment shops.

Best Places to Sell Baby Clothes

Is there anything cuter than baby clothes?  From the little baby socks to the hats and tiny gloves, everything is adorable. As a mom, it can be hard to part with these precious little items. However, as time goes on (and your kids grow older), their stuff gets bigger, and you start to run out of space.  So, if and…
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a gratitude jar helps families be thankful

Teaching Children Thankfulness With a Gratitude Jar

Gratitude is the practice of being thankful for the things we receive in our life. These things can be tangible, like feeling a sense of gratitude for having a roof over your head or warm food in your belly. Or it can be intangible, like being thankful for the love you feel for your family or being grateful for your…
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piggy banks teach kids financial literacy

The Best Piggy Banks to Teach Kids Financial Literacy

Introducing a piggy bank to your kids when they are young is a great way to spark an interest in money and start teaching children financial literacy. Studies have shown that kids as young as 3 can start to learn basic money concepts. By 7, children have begun to form their money habits. So the earlier you can get started,…
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