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Ryan M

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Basic Money Smarts
General Finance
Teaching kids about money, teaching your kids about money, teaching kids, teaching, kids, children, money, money skills, teach your kids, allowances, financial literacy, value of money
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Portland, Oregon, United States
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Latest Blog Posts

Do you want to start the new year off knowing that you spent wisely during the holidays'  Or are you going to be afraid to open your credit card bill come January' Here are some holiday spending tips:  Have a Budget! Make a list of the people you plan to give gifts to.  Decide ahead […] ...
Posted: Dec 06 2017 @ 7:09 PM
Not sure where to start' Feel like it’s overwhelming' Do you think: “Hey, I’m no financial expert.  How do I begin to teach my kids to be money-savvy when I’m not myself'” The good news is… The first step is actually EASY.  To start with they just need to learn the very basics. Talk to […] ...
Posted: Dec 05 2017 @ 3:03 PM
Here are the seven biggest mistakes parents make that teach kids poor money habits:   Mistake #1:  Buying your kids everything they want. Your heart is in the right place.  You want to make them happy but this is wrong way to go about it.  You are actually teaching them the wrong lesson.  If you buy […] ...
Posted: Nov 30 2017 @ 9:24 PM
Starting a small business is a fantastic learning experience for child.  They get to experiment with planning, production, advertising, sales and customer service in their simplest form.  The self-confidence they will develop and the lessons they’ll learn can shape the person they will become. My 12-year old daughter came up with the idea to make […] ...
Posted: Nov 20 2017 @ 4:32 PM
The holiday season is about being thankful for what you have and helping others.  It’s easy to lose sight of this.  As the holidays approach, kids are mostly thinking about all the gifts they want. So how do you help your child develop a sense of giving without expectation of return' Here are 10 things […] ...
Posted: Nov 17 2017 @ 7:43 PM
College students will receive lots of credit card offers.  It’s a huge temptation.  All they have to do is fill out an easy application and then start buying.  They need to understand the right and the wrong way to use credit cards. If they misuse them they could end up graduating college with not only […] ...
Posted: Nov 14 2017 @ 4:07 PM
If your kids are anything like mine, money is easy come, easy go.  One of the things we’ve been working on is to develop an understanding of the value of a $1.  That may seem like a no-brainer to us.  But it is actually something they have to learn through experience.  I’ve seen my kids […] ...
Posted: Nov 10 2017 @ 4:16 PM
Every kid at some point wants to have a lemonade stand and rake in the profits.  I love them!  In my kids case, they have had quite a few.  This is the perfect opportunity to give them a very basic education about business.  They’re all gung-ho and excited. It always starts with them raiding the […] ...
Posted: Nov 06 2017 @ 9:01 PM
Helping your kids (and yourself) understand the difference between “Needs” and “Wants” is important in personal finance. Often times you feel you “need” something because you “want” it really bad.  But they’re not the same thing.  Being able to distinguish between the things you really need to have and those that you just want is […] ...
Posted: Nov 02 2017 @ 6:18 PM
If you are always worrying about money here are some things that you can do to help change that: Stop watching the financial news programs. They don’t help you.  It’s mostly shock jocks that are trying to get your attention and grab ratings.  They are good at creating a sense that there’s all these great […] ...
Posted: Oct 25 2017 @ 6:02 PM


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