Teach Your Kids About Credit!!!

I will start this blog off by stating that I do not have any children. So some may want to discredit everything I say hereafter. However, those who would act in such feverish haste, without giving this blog at least an inkling of a chance, are probably the ones who need to read it most thoroughly. But that is just MY opinion. If only one person lets my text delve into their thoughts and sit for a few moments, I will be whole heartedly satisfied. Now to the subject at hand, CREDIT. Credit all starts when a person is just old enough to understand their parents and/or authority figures' wishes. This phase starts way before the concept of money is even fathomable. If a parent buys a 4 year old a pack of candy, it is like credit. Of course the parent does not want the child to consume the whole thing at once. It is ideal that the child should spread out the candy, only enjoying pieces after he or she has been obedient and deserving of such a treat. When someone lets their child eat the WHOLE pack, they are already sending the wrong message, and inadvertently setting the kid up for failure. I know some may be taken aback by that comment, but it is the truth. Where do bad habits start? FROM CHILDHOOD! Some kids are natural-saver kind of people, while others prefer to spend EVERY DAMN PENNY. Whatever parents birth a "natural saver" child, they are lucky. The child already understands that their money is of value, and should be held tight! I was the opposite...I was the spend EVERY DAMN PENNY of mine + yours kid. And with that said, you can bet that my credit score is far from perfect. No one ever taught me to save my money, and as a result, I learned to spend frivolously for the majority part of my life. But I am not alone; MOST people's credit scores are not great...And if somebody wonders why that statement holds true, I would blurt out "Because their asses started off eating the WHOLE PACK of candy...just like I did!" My parents never really witnessed the art of saving. None of my grandparents earned much money, thus there was nothing to save. So I do not directly blame my parents for my negligence, but I honestly believe had I been taught to be a little more frugal, I would be in a better situation than I am now from a CREDIT standpoint. But remember, no lessons are FULLPROOF. One MUST teach their kids to save, even if  THEY do not. Teach them to dodge the potholes of debt that plague so many of us. If they morph into adults who choose to ignore the potholes, then fine, that's beyond the parent's control. At that point, there is only three things a parent can do: assist them changing their flat tire, call AAA, or continue to buy them new tires until who knows when...maybe til death! So before anybody lets their kid eat the WHOLE pack of candy in one sitting...remember this blog.