Raise Money Savvy Kids
 
 

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Media Events

 

The Jordan Rich Show / News Radio WBZ1030 featured Candi Sparks on 12/22/07 - How to stay out of debt this Christmas. Thank you Jordan!!!

To Clean Up Holiday Debt, DO:

Leave the credit cards at home.   click here to continue.

Workshops ...are fun interactive teaching about money, with the brain and the emotions in mind. Titles and content include:


Check It Out! Banking, checking and savings for Elementary School, Junior High School.

What\'s In Your Wallet? Electronic Payments, Identity Theft, Risk and Lost associated with each for Elementary School, Junior High School, High School

Grown Up? Own Up! Credit Cards, Debt, Taxes, Responsible Savings and Spending Wisely for High School, Adult

Family Money Workshop How to function successfully as an economic unit for Families

Kids and Money Talking to children about money, teaching kids the value of a dollar, allowance, avoiding financial mistakes, instant gratification. Content will be leveled for audience. Good for all ages - Children, Teens, Adults, Families.

Max Gets It! Allowance, asset allocation, impulse buying, instant gratification, budgeting, planned spending, opening a bank account, owning a business for Elementary School

Nacho Money Checking, Debit Cards, Credit Card Debt, Savings, Income, Budgeting for Elementary School (4th & 5th grades), Junior H.S., High School

Money Doesn\'t Grow on Trees! Creating Money consciousness in children without turning them off for all levels.


Financial Literacy Changes Lives

kids and money - family financial concepts

Food for thought - how would your life be different if you had been given financial literacy tools when you were growing up? What can you do to improve the chances of success for the children you care about?

In my opinion, we are not properly preparing our children for the real world, if we do not give them a proper financial education, before they leave home. Maybe it's because we can't teach what we don't know. Adults are struggling themselves, and may not feel qualified to teach the subject of money. Or, maybe they feel "negatively" about money, in general. If so, adults owe it to themselves to seek the help that they need. You have to help yourself before you can help them.

Another reason that many are reluctant to giving children advice about money, is that today children are very "sophisticated." They don't like to be told what to do. So what!? No one does- especially when it comes to money. But, we teach children to eat vegetables and cross at the corner for their own safety - whether they like it or not! So, let's teach them about money, before they go off and get into financial trouble on their own. Let's be proactive, for their safety!

I think children stand a better chance, if we provide financial literacy, from an early age. In addition to the basic teaching about money in math class, we can teach them how to shop, budget, plan their spending and set financial goals. At some point, when children have money of their own (such as an allowance, getting a neighborhood job, gifts or "reward" money), they can make their own spending choices. Through trial and error they can develop good money habits. We can help with through our own experience and helping them to have discipline. Everything is easier when someone believes that you can do it. Let's help them understand money. Before it's too late!


 

 

A Few Things I Think Children Should Know, Before They Leave Home

In my opinion, they are more likely to succeed financially if they have already had some teaching, experience and discipline in:

  • How to set and stick to a budget.
  • How media and advertising affects them.
  • The difference between a want and a need.
  • The difference between debit and debt.
  • How electronic transactions work.
  • How to use credit wisely.
  • That loans come with interest.
  • How to set a financial goal and reach it.
  • How to pay yourself first.
  • How to write a resume.
  • How to look for a job.
  • How to conduct themselves on an interview.
  • How to keep a checking account.
  • How to balance a check book.
  • How to evaluate benefits package.
  • How to shop for the best price / value.
  • Understand insurance (life insurance, auto insurance, etc.)
  • The importance of charity.
  • How to protect their identity.
  • What investing means.
  • The difference between savings and investing.
  • What is meant by an investment risk.
  • Why it is important to plan for retirement, before you get there.

    Provider is a certified M/WBE, NYC vendor and DOE vendor. "CAN I HAVE SOME MONEY" is a trade mark of Sparks Fly. Copyright 2006. All rights reserved.
    Contact toll-free by telephone at (866) 556-2432 or
    email


    $ Tips on Getting out of Holiday Debt

    Most people don't plan to stay indebt, they simply fail to plan a way to become debt free.  When it comes to debt, what is your plan? Remember, learning to handle money properly involves teaching with the brain and the emotions in mind.   To get out of  holiday debt do:

  • Buy only what you need.

  • Make cash purchases only. If you can’t pay in cash, you really can’t afford it.

  • Brown bag your lunch and eat at home.

  • Negotiate lower interest rates (if you pay on time and more than the minimum).

  • Find more money – were there any rebate offers on your holday purchases? Did you submit all of your flexible spending expenses from 2007?

  • Figure out how to lower your bills. Review and analyze your expenses – can you get a better deal on your cell phone?

  • Figure out what you can do yourself – do your hair, nails and clothing repairs, and your own home repairs.

  • Make gift returns or exchanges right away – some stores set a time limit for holiday merchandise to be returned or exchanged!

  • Plan the next holiday season WAY in advance, so you won't feel this way a year from now!

    To Clean Up Holiday Debt, DON'T

  • Borrow more money to pay off the other debt!

  • Ignore the bills – missing a payment will only make matters worse – you will incur a penalty and may even trigger other lenders to raise their rates. The credit reporting agencies will pick up this information and it may come back to haunt you.

  • Lose sight of your goal of being debt free! It's worth it!

     


     


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    title_about-us.jpg

    If you have some power, then your job is to empower somebody else"
    - Toni Morrison

    MISSION

    To empower children and their families with financial literacy life skills, in a way that is proactive, unforgettable and fun. 

    The CAN I HAVE SOME MONEY? children's book series, family and money workshops and merchandise were created by Candi Sparks.  The project was conceived when her family was faced with a catastrophic illness, and she realized that in addition all the love, education and nourishment that children receive,  they also need to know how to handle money, in order to be successful adults. 

    Materials and workshops are available nationwide.  Vendor is registered with NYC / DOE and has M/WBE certification.

    CONTACT INFO

    Location:  Brooklyn, New York    Phone / Fax:  866.556.2432

    Send an email here.

    MY STORY

    I was born in the poverty of the South Bronx.  Although poor, my folks refused any form of public assistance.  Instead, they put their hearts and their heads together, to make a better life fo us.  They did not mistake their cirucumstances for their destination and they planned to achieve the American dream while we were all still young enough to enjoy it.  

    Growing up, my older brother, younger sister and I, watched our parents deny themselves in the struggle to "make it."   They worked two jobs each, to provide for us.  There were four jobs in the household - BEFORE it was fashionable.  I guess they were ahead of their time, becuase these days it seems that everyone has a day job and side hustle just to make ends meet!   Did I mention we had lots of love, attention and old fashioned discipline in our household?! 

    Eventually, the folks moved the family up the economic ladder to the next wrung - a house in Queens!  The entire time, I was acutely aware of how hard my parents worked (they were always tired and we had to be quiet while they were sleeping).  Do you know how hard it is for 3 kids to watch Saturday morning cartoons being quiet!?    My parents worked so hard and denied themselves in creature comforts, to give the family bigger and better.   I was determined that when I grew up, I would also have bigger and better!    But, like every other child ever born, I figured there must be an easier way to go about it.   (Does that sound familiar?)  I was falling for what I was hearing from my friends and in the ads - that I could do it without working so hard, or so long!

    I left home shortly after my college graduation, ready to conquer the world!   A decade later, I was working 6 days a week, had racked up $20,000 in credit card debt (not including the car loan), didn't have any savings, and did not own any property.  I was working 6 days a week, yet I had nothing to show for my hard work.  I wanted to have bigger and better, but all I "had" were the chains of debt and a lifestyle financed by credit cards.  The lesson I was trying to teach my parents backfired on me!   I had no concept that financial freedom ies in ownership, or that I should use my productive working years to accumulate the assets I would one day need to retire comfortably.  My only idea of money was that I should pay bills on time.  My borrowing and spending was out of control and even with two jobs, I was just over broke!

    Years later, I attended a seminar about women and money.  I was so excited when I learned how money works, and how I could get my money to work for me, that I changed my habits.   I began thinking about owning my financial destiny.  I began saving and investing.  My mental and spiritual transformation was so empowering that I wanted to help others to do the same!  I got licensed and began helping others. 

    Oddly enough, as I took on more clients, I found that the 6 figure income clients were also the ones with the biggest debt!  The size of the financial mess had nothing to do with the size of the income.   As we would work on improving their situations, they would ask me what they could tell their children about money, so their kids could avoid getting into the same mess.  I appreciate these clients because their success inspired me, and they taught me a lesson that helped me to develop the CAN I HAVE SOME MONEY concept - a financial education starts at home.  And since your paycheck doesn't come with instructions (and neither do your kids), without a financial education, the playing field is level - regardless of the income!

    My journey has led me to look at money in a generational context.  My clients who were having trouble, wanted to know what to tell their children avoid their parents' problems.  This question caused me to reflect on my own life.  What did my parents tell my brother, sister and me about money?   While my parents modeled a great love for the family, and a responsible work ethic.  they never talked to us about about money.   No information was given to us about credit cards, savings, buying property, loans, retirement, insurance, wills....  I learned about them from my friends and the TV.  That's not a failure on their part - things have become alot more complicated and money is handled very differently than it was back in the day.   Plus, my money issues were somewhat different from theirs.   They would never have dreamed of buying anything with "no money down."  But that has become the norm, for some!

    Now that Americans have had a negative savings rate for several years, foreclosures are on the rise, and an unprecedented number of baby boomers are entering retirement with under-funded savings, it might be a good time to think about what this is teaching our children.  Let's be proactive in helping them get the financial education they need and deserve!

    If you have some power, then your job is to empower somebody else"
    - Toni Morrison

    Candi is a wife and mother of two, holder of the Series 6 and Series 63 investment licenses, is licensed by the Dept. of Insurance, and holds other certifications related to finances.   She has helped individuals and families on the road to financial freedom.  The CAN I HAVE SOME MONEY? series was inspired by her own children, and by other parents who wanted to help children learn the value of a dollar and give them a fun introduction to handling money.

    Material on this site may not be copied, reproduced or distributed without the express written permission of the author.

    This website is intended for entertainment purposes and  is not designed to provide professional, legal or financial advice and the visitors to the site assume all liability for any harm, whether direct or indirect from the material on the site.  Professional help is available, but is beyond the intention, design and reach of this web site.

    Copyright 2006.  Sparks Fly. CAN I HAVE SOME MONEY? is a trademark of Sparks Fly.

    Toll Free:  866-556-2432