1-The importance of watching your spending

Teaching financial skills in childhood should be as important as teaching reading, but since that doesn't always happen, the daily sight of mothers budgeting, saving and balancing expenses is often the best school.

2-You can't say 'yes' to everything

Mothers are key to teaching how to distinguish between a want and a need. An ice cream can be tempting, but when you teach the value of saving, being able to pay for it yourself makes that dessert even richer. As an adult, the same is true when you eat one of those ice creams on your (already paid for) tropical vacation.

3-Avoid borrowing

Spending less than you earn is a great tip. If you want something you don't have enough money for, keep saving instead of borrowing.

Borrowing either from the bank, at work or with family should be a last resort in almost any situation.

4-Even as a couple, a little independence is great.

As a couple, it's best to have a thorough understanding of money management. I'm sure he's told you that it's good for both of you to discuss large purchases or split expenses as best suits you.

5-Save (even a little)

Watching the pennies and saving, even a little, may seem trite, but it is well known that little by little the piggy bank gets full.