The need for young people to be able to control of their money and to plan for the future by the time they leave college has never been stronger. Children and young people encounter money earlier and earlier in life, and as a result have to learn to make earning, saving and spending decisions earlier. Crucial decisions have to be taken about consumer credit, cars loans, getting a job or living independently. We owe it to the next generation to invest in their future.

Of the daily allowances your child received, did you practice the concept of 'Pay Yourself First'?

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