It’s coming – with maybe even more pressure on your wallet than the holidays – Valentine’s Day. The pressure to prove your love by spending money on your loved ones. Here are 3 ideas which will help you honor your love and keep your spending in check:

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Erin Lowry of Medium.com asked me for some of the best strategies to help kids become good at managing money. My top strategy? Make money lessons concrete so the abstract idea of money, like the concept of “save”, becomes a concrete experience to be expanded on. 

“Drip by drip isn’t a crowd pleaser, but that’s what makes real change happen.” – Seth Godin

I read a daily email blog from Seth Godin. His perspective is more often than not – unique and thought-provoking. Today’s blog’s last line caught my attention: “Drip by drip isn’t a crowd pleaser, but that’s what makes real change happen.” That’s so true – but especially true in my world of financial education, where we start teaching kids about money in Pre-K.

Years ago, I was working on a Saturday at my office when I got a call from my dad asking me to meet up with him for coffee. All I could think of was how much work I had to do. And as unwilling as I was to stop and meet up with him, jackknifing my time at the office that weekend and my progress on that mountain of deadlines, I agreed.