If you are single and dont have kids this tip
wont mean much to you. For the rest of us that
have others to consider when building funds
decisions it just may make things a little easier.

I guess the best knock-down, drag-out fights my
wife and I ever had was about funds . No, it never
came to blows because shes meaner than I am.
Believe me you might have a lot of fights in almost
39 months.

At some point we realized that it was not
accomplishing anything. We still didnt have any
funds but we never earned a nickel fighting about
it.

To get a handle on your finances it is going to
take a team effort. The whole family has to be
working in the same instruction.

My suggestion would be to sit down and talk
your money situation over with your spouse and
the kids. Its important for every body in the
family to know what is going on.

You may be surprised at what the kids will come
up with.

When I bought my first house I made a miscalculation
on how much I would absolutely need to come up with for the
down payment. When I realized it we had maxed out
our credit cards and was not sure where we would
get the rest of the funds .

My wife and I discussed this with the kids and they
offered to baby-sit and mow lawns. They came up
with enough to cover the down payment. Ill never
lose your memory how proud that made them feel and how proud
we were of them.

All too often one person in the family is strapped
with creating the funds decisions. This is a nice
idea and the best way to keep things organized but
they shouldnt take all the blame when something doesnt
work out.

A family solves difficult problems everyday. Money
is just one of them.