As parents we are responsible for teaching our children the significance of saving and how it can impact their life, both in large, and in small ways.Fortunately we can do this without a struggle. The trick is, we have to showour kids an easy saver program, a way to save with little effort. When wecan add saving to our life in such a manner, we then incorporate it withoutever considering it burdensome. It is simply how things are done and thesavings happens in a matter of factly manner.Some parents use easy saver program of requiring their children to deposit aportion of their allowance into a sort of savings account in order to build upsome money for a “rainy day” or some special wants or needs. If thispractice is started at an early age it is accepted as the way things aresupposed to be and the kids seldom question it.However, as children age they learn about savings accounts, checkingaccounts, and even how certain accounts can build interest. This oftenresults in requests for bank accounts of their own or at least requests thatthe parents invest the kids’ money for them into something that is morelucrative than a piggy bank.In November of 1998, the United States Treasury Department beganoffering what has been referred to as one of the easiest ways ever to getstarted building a nest egg with U.S. Savings Bonds. The easysaver programworks like this:Anyone interested in purchasing the savings bonds can visit the website todownload and complete the enrollment form – which entitles the TreasuryDepartment to charge the individual’s bank account for the cost of the bond.On at least two dates per year the Treasury will debit funds from the bankaccount (Series EE savings bonds are purchased for half the face value andSeries I bonds are purchased for face value).This easysaver program is the easy way to build up a real savings withoutany long-term commitment or burden. Kids are happy with such a planbecause it does not interfere with their regular spending routines. It’s agreat lesson in the value of saving.About the Author:Joan Waters homeschools her three children and as such she wants to teachthem as much as possible about financial planning and how to managemoney. One way she is doing that is through the U.S. Savings Bonds

EasySaver Program

. Waters wanted a system that was simple and thatwould show her kids that saving money does not have to be a painstaking