That’s where Family Mint Comes in.  Family Mint is all about helping your kids to “appreciate money.”  It’s a system that can be used to teach your children how to handle their money.  Not only do they get to create their own goals, but they get to track their goals, as well, teaching them how to budget wisely.  Every time Jacob gets an allowance or birthday money, or what have you, he can make a deposit, although, his allowance will be automatically deposited, just to save the parent hassle; keep in mind that the money tracked on Family Mint is virtual money, so it can’t be stolen or anything.  It’s just a way for him to keep track of how much he has earned and how much he’s spent.  He can deposit money, withdraw money, and transfer money.  As the parent, I’m the banker, so I’m responsible to help him handle his money and pay him when he requires it.

I can also set up interest rates, in order to let him see how a real savings account, with interest, might work.  If he has set up a particular goal that is worthy, I can match his goal.  If his goal is not meeting his expectations, he can easily go in and edit it.  So say that Jacob wants to save up for his favorite Lego set.  He can set that as a goal and then work towards it.  If he decides to change his mind and decides he needs the next Star Wars action figure instead, he can change his goal to accommodate.  If he decides he wants both items, he can change his goals and add or subtract goals.

With Family Mint, there is a parent’s side and a child’s side.

So, I can easily log in and see the progress he’s making, but he can log in and also see how he’s doing on the child side of it.  He’ll easily be able to see all of his goals and edit them from his homepage.  So far, I’m pretty impressed with Family Mint.  I really think this will be a great help to Jacob and even Jaden as he gets older.  With Jacob, he’s very money conscious anyway; the trick has been teaching him that his money is only there as long as he saves it….he has to make the decision whether or not the particular item he is purchasing is worth it; does he want to spend a great deal of his money on that one item, or is it something that can wait?  Does he need that item?  Is the purchase truly that important to him?  We always tell him that he has to make the decision, but he really needs to think about the consequences.  Is he going to regret not having any money left or having very little left?  He has started to become very conscious with his money, and I can only see this program as a huge help.  Now he’ll be able to truly track his money and how he’s wanting to spend it.

Financial Purity by jessica V. Psalidas is a book not only about how to handle finances but how to handle them the way God would have us handle them.  It’s about more than finances, though; it’s honestly about how we live our everyday lives.  Do we live under the Holy Spirit’s direction, or do we live off our own whims and ideas?  When I first started reading this book, I thought it was a bit repetitive and redundant, but it does have many wonderful ideas and thoughts.  It doesn’t go into really vast detail to where it confuses you; it’s more about the everyday, common sense ways in which we can handle our finances.  Here’s a look at the topics covered in this book, just to give you an idea:

Infinity Publishing (June 8, 2009)

This book will provide an in-depth look at what we spend our money on, why we should stay away from certain things that waste our money, and why we need to have a vision about money. I think money – the use and management of it – is very important in our lives. Once you develop a vision, you will have a clear idea of what you want in life and what action you will need to take in order to get there.

What is your financial purity portfolio? Many people have heard of a financial portfolio, but what is a financial purity portfolio, and why is it different? As we discover the answer to that question we will examine money in a different light, in a simple way that allows us to be clear about the use and management of our money. We will go beyond what we have in savings and investments and look into some of our day to day spending habits and frequent purchases, as well as why we save, why we tithe, why we should have a will, and what can happen when we spend our money on wasteful vices. Most importantly, in this book I will encourage everyone to develop a financial vision for themselves and their family.

Having a vision gives you clarity as to what you want and what you need to do to get there. It gives purpose and focus to your money management and to the outlook you have concerning your money. Many people that I talk to about money have a grim view of it because they do not have enough of it on hand at any given time or they do not earn enough of it. I encourage you to have a positive, realistic outlook and attitude toward money for your own financial welfare. It does you no good to be irritated or upset about your financial status right now, because with a great attitude and determination, you can change your situation.

Developing a vision for your finances is the first step in building your financial purity portfolio. Utilizing and managing your money purely and cleanly, meaning spending your money on necessary and wholesome things, is one of the most important steps in developing your financial purity portfolio.

Some people may think it is hard to focus on developing a vision due to their own difficult financial situation or, as some call it, the “financial crisis” we are experiencing in the U.S. at the time of this writing. If this describes you, please be encouraged! I would like to share with you some steps that I have implemented in my life to remain joyful and hopeful during any trying situation that comes along.

Everyone seems to be in a state of panic over the financial situation in the U.S. economy, and it both saddens and frustrates me at the same time. We are, to a certain extent, part of the reason why our country is the way it is. When our morale goes down, so does everything else. We are gripped by fear over temporary difficulties that will soon pass. This country has experienced many challenging situations before, and we have always gotten through them. We will get through this too. We need to remain positive, encouraged, and stimulated to find new and exciting ways to spur our economic growth. We need to be stronger in prayer, which will keep our morale high. If we all lifted our spirits up higher and kept a positive attitude, we would experience a change for the better. Nothing good will come out of us being depressed, upset, angry, or fearful. These emotions will not get us ahead but rather will only hold us back. Stay in prayer and remain hopeful in God.

Cast all your anxiety on him because he cares for you. 1 Peter 5:7

Have I not commanded? Be strong and courageous! Do not tremble or be dismayed, for the Lord your God is with you wherever you go. Joshua 1:9

This is not the first time we have ever gone through a financial situation (or “crisis” as some may call it) in this nation. We will survive, and we will get through this. Do not corrupt your mind with negative thoughts such as, “Oh, no … the world is falling apart!” Thinking this way will cause much devastation to your otherwise positive mindset, and it will keep your fears very much alive. On the contrary, you will be amazed at what can happen to your morale and your spirits when you remain positive, jovial, and at peace about the situation. Because this is not the first time our country has experienced something like this, I know the situation will get better soon. We will get better. I believe that by changing our outlook, adjusting our lifestyles, and remaining positive, we will do a great service those around us and to ourselves. Stay in prayer, remain spiritually strong, and most importantly, remain happy.