Lesson Two: Relating with Money- Children

I'm really not qualified to talk about this subject since we don't have any children.  I think if we ever do, we want to really show them the value of money.  Too many people grow up to not understand how money works.  Americans are given so much money and so many temptations to spend it.  Understanding the importance of using money the right way is something that should be taught early on.

Lesson Two: Relating with Money- Singles

Both John and I did the Baby Steps as single people for a few months before we got married.  I think the program works well for singles, even if they are not headed towards being married in the near future.  

Having started out my young adult life with a $1000 baby emergency/ safety net would have saved me from putting "emergency" car repairs on my credit cards, which I then used to justify putting more things on my credit cards because I had to pay off the emergency and I didn't have money for needs.... If you have an emergency fund and you don't use credit cards, you can stay out of that cycle.  

Having a friend, a parent, or a mentor who has the same view on money will help keep you accountable if you are not married.  It's hard to do it alone.  Being single can be lonely and a lot of people spend money to fill that hole.  I know.  I've been there.  Find someone who you trust to keep you accountable and to be a sounding board for your decisions with your money.