I was brought up not to talk about private money matters.
But I can just say, money gets a lot tighter when kids start preschool and upwards. There are school fees of course, but also shoes and clothing, then later cellphone costs, and hobbies or extra lessons. Not to mention the spectre of tertiary education looming closer every year.
I often feel I'm not setting the best example for my children in this area. Surely when there are so many money musts, we should never say: 'Oh, what the hey, let's have take-aways!' But it does happen.
Read a few thoughts on money matters:
Should your toddler be saving for college?
Kids: an expensive hobby
5 money mistakes parents make
Show me the money, Mom!
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What money can buy
Robyn Addinall