Bank’s cost of many kinds. Some banks charge would be difficult to avoid. But when there are costs that were charged to you regarding your joint account, most customers still can avoid it.

Check your balance regularly and forget to take advantage of “float” if you want to avoid the combined cost of your account. Earlier times all the invoice sent by post, and you have a few days to withdraw the account after writing the check. But it was no longer present, but there are several ways to outsmart the legalized at that time.

If you do not regularly monitor your account balance online, then you can do that by making a list using the old way. Banks still have the manual way, and some people still feel more comfortable that way. Using a debit card and ATM can be difficult for you to track transactions. Therefore, keep proof of your transaction – stored in the wallet and enter these transactions into the list after you get home.

If you can not do the above, then register to the bank for overdraft protection. This is not a “mental protection”, which you get automatically every time you monitor your account. You must register in advance to get overdraft protection.

Avoiding ATM surcharges at a jka easy thing you can estimate your cash needs well into the future so that you can think back to using your bank ATM. If you have to pay the total cost of $ 3.50 to take $ 40 from an ATM, the same thing you have to pay 9 percent interest – unfortunately not he?

It’s hard to imagine who would be interested in checking account paying 0.24 per cent, especially if the bank asks you to save thousands of dollars in the account to avoid additional costs. Several institutions in the database of an online exam wearing flowers average cost and does not require you to store large amounts of money in the account. You may also consider to check the rewards you may receive when you often use a debit card.

Online bangking can work well for most people. Preparing direct deposit to checking account regularly can help you avoid extra costs, and most banks have a policy to replace the ATM of your expenses through a multiple of certain transactions for a month.

You know what is best for you. Find a bank that according to your habits and can meet your needs so that you will not be trapped by the trap of interest and other bank fees.

1. Introduce children to money early on, for example, from the age of 3 or 4 years. Describe the information that is acceptable and appropriate logic of children, most do not teach children to know the value of money at this age.

2. Observation and repetition is a good thing for children to learn. Communicate to children, according to the age of growth of the value of money, how to store it, how to spend and how money can grow.

3. Help children learn the difference between needs and wants. This lesson will educate children to be a clever set of expenditure in the future. This can be taught to children who have the financial understanding. For example from the age of 4 or 5 grade elementary school.

4. Defining the purpose is to learn the fundamentals of finance.
Rarely a person who determines to set and write goals. No need to far away, when buying toys for children, parents would rarely make the toy purchase purposes. Determination of this goal will actually be responsible to educate children.

5. Recommend kids value of money spending and saving. Explain to children how the concept of savings and benefits. For example saving a child’s desire to meet with their own money without having to ask the parents. This introduction must use language that children easily understood according to their age.

6. When giving a child money, teach them to save some. For example when we teach children to give 10,000 first save as much as 2000 before the child spends the money. This activity will become a positive habit that can be done until the adult child’s future.

7. Introduce children and encourage Islamic banks to open accounts. Give your child the notion that saving regularly will become a good habit, which leads to success in the future

8. Teach children to make financial records, how much is spent, in the tube and invested even if the children are familiar with the investment. High school age children can begin to teach about investing in order to be land for early learning.

9. Use a shopping trip with children as a forum for children to learn to understand and comprehend the value of money. Do not hesitate to educate your children the way you take the time to go shopping at the grocery store or shopping center. By comparing some prices in a grocery store and place your regular shopping can teach kids that shopping in a grocery store can be a bit more thrifty than usual shops.

10. Encourage children to care in spending money. Rich or poor they would spend money in daily life. Teach your child know what is supposed to be chosen to buy and what not. Set on a scale of priorities. Maybe the kids do not understand the scale of priorities, but you have to teach age-appropriate. For example buying reading materials with better savings than buying a toy he already had.

11. Show the children how to evaluate existing product advertisements on radio, television or other media. Teach that guns of all products in ads are all good, so that children learn to choose, not just spend the money following the TV or radio ads

12. Remind us the sons and daughters when they begin to have a bad habit, such as borrowing money to friends.
School children and high school might have a bad habit .. a friend is borrowing money to buy something that is less important because children less private money enough. If this occurs, parents need extra monitor and warn, because if it continues to be a bad habit for children to adults.

13. Give an explanation as taking children to shop with an ATM or credit card or debit card. ATMs can be a money machine for the imagination of children young age, such as kindergarten or elementary school. They could just assume that if the money could run out ngambil wrote directly on the money machine. The kids will never know if you have to save first or the account must have money if we want to take from an ATM or Direct Debit. Therefore, parents should explain to children how the cash machine to work.

14. Be careful to give credit cards to children. The trend these days is that many parents give additional credit card accounts for children. In order for the child more easily when buying something. Well … this should be seen as well … perhaps well intentioned, but without the provision of better financial education could be this credit card will be a problem. For example the child will use it to shop at will is not to important, the result could be the beginning of the month bill swelled and became a problem for parents.
Take time to discuss with the child. As a parent Mother must have time for any child busy Mother of activities, because children need the closeness with the mother, encourage children to discuss various issues including on financial issues so that there is closeness between child and mother. All information about children is very important for the mother to be able to build unity across the days. And the importance of financial problem, the child will grow a sense of responsibility and confidence for the support and motivation from the Mother.