Whether your child is in preschool or middle school, we have age-appropriate tips to make saving money simple, fun and rewarding.

    My top six suggestions: Start early. Start small. Keep it simple. Make it fun. Set a goal. And reward your children's efforts. Here's practical advice on how to do all those things as your children grow:

    Preschool through primary:

    The piggy-bank years

    Kids this age think about money in very concrete terms, so make saving as hands-on as possible.

    Piggy banks are great as both teaching tools and fun toys. Nowadays they come in all sizes and shapes, from traditional pigs to soccer balls to talking ATMs. For banks with a twist, especially for children in primary grades, take at look at www.moonjar.com; www.msgen.com; www.prosperity4kids.com, or www.sharesavespend.com.

    And for a fun lesson in saving, read It's a Habit, Sammy Rabbit! or listen to the book's companion CD （www.itsahabit.com）.

    Remember that kids this age don't have a long time frame. So saving for college, though a worthy goal, isn't always a realistic one when a week might as well be a lifetime.

    But they can certainly save their birthday money for a trip to the dollar store, or tape a picture of their coveted item to their piggy bank so they don't lose sight of their goal.

    Elementary through middle school: The allowance years

    Kids this age have a more mature understanding of money. They know what it can buy and can plan farther into the future.

    So they're prime candidates for getting an allowance. And requiring them to pay for certain purchases -- collectibles, entertainment, trips to the mall -- gives them an automatic incentive to save.

    They can also divvy up their allowance into pockets of money for spending, saving, giving and even investing （like the piggy banks mentioned above）.

    If you don't want to take the trouble to parcel out your kids' allowance into pots, a simple alternative is to require them to save, say, a flat 10%.

    Around age 8, kids are old enough to have a real bank account. But be careful to explain how the system works. Even at this age, banks can be a mystery to children, who are often horrified to see their money disappear.

    For a good online introduction to saving, try KidsSave, a program that includes interactive tools that let youngsters set goals, track their progress and see how their money can grow over time （$29.95 with a 35-day free trial）.

    And you can always encourage kids to save by matching what they put aside -- your very own family 401（k）.

    Once your children have achieved their goal, let them spend the money and enjoy the payoff for their efforts. Saving may be spinach and spending dessert, but as my son once told me, "Saving can be dessert, too, if you save for something you want."

    我們有一些的有趣而且有效的小辦法來教那些還處在學前或者中學年齡段的小朋友來養成節省的好習慣。

    我的六條建議是：盡早開始；從小進行；使它很容易做到；使它更有趣；製訂一個目標；回報孩子付出的努力。如何在孩子成長過程中做到這麼多事呢

？別急
，我來給你一個實用小方法：

    幼兒園到小學：小豬存錢罐的年代

    孩子們在這個年紀對錢的認識是非常具體的，所以盡可能的讓他們親身體驗存錢的感覺。

    存(cun)錢(qian)罐(guan)就(jiu)非(fei)常(chang)好(hao)的(de)集(ji)教(jiao)學(xue)工(gong)具(ju)和(he)可(ke)愛(ai)玩(wan)具(ju)於(yu)一(yi)體(ti)。現(xian)在(zai)它(ta)們(men)有(you)各(ge)種(zhong)型(xing)號(hao)和(he)外(wai)形(xing)
，從(cong)傳(chuan)統(tong)的(de)小(xiao)豬(zhu)外(wai)形(xing)到(dao)足(zu)球(qiu)外(wai)形(xing)再(zai)到(dao)會(hui)講(jiang)話(hua)的(de)自(zi)動(dong)櫃(gui)員(yuan)機(ji)。就(jiu)這(zhe)樣(yang)，還(hai)是(shi)有(you)很(hen)多(duo)不(bu)同(tong)種(zhong)類(lei)的(de)，特(te)別(bie)是(shi)給(gei)小(xiao)孩(hai)子(zi)們(men)用(yong)的(de)存(cun)錢(qian)罐(guan)更(geng)是(shi)豐(feng)富(fu)多(duo)樣(yang)，你(ni)可(ke)以(yi)讓(rang)孩(hai)子(zi)選(xuan)一(yi)個(ge)它(ta)喜(xi)歡(huan)的(de)存(cun)錢(qian)罐(guan)
，同(tong)時(shi)你(ni)可(ke)以(yi)給(gei)孩(hai)子(zi)上(shang)一(yi)堂(tang)有(you)趣(qu)的(de)關(guan)於(yu)存(cun)錢(qian)和(he)節(jie)省(sheng)的(de)課(ke)。

    你(ni)要(yao)記(ji)住(zhu)這(zhe)個(ge)年(nian)紀(ji)的(de)孩(hai)子(zi)都(dou)沒(mei)有(you)一(yi)個(ge)長(chang)期(qi)的(de)計(ji)劃(hua)。雖(sui)然(ran)存(cun)錢(qian)上(shang)大(da)學(xue)是(shi)一(yi)個(ge)很(hen)不(bu)錯(cuo)的(de)目(mu)標(biao)
，但(dan)我(wo)們(men)的(de)目(mu)標(biao)絕(jue)對(dui)不(bu)局(ju)限(xian)於(yu)它(ta)必(bi)須(xu)是(shi)現(xian)實(shi)存(cun)在(zai)的(de)東(dong)西(xi)，也(ye)不(bu)局(ju)限(xian)於(yu)要(yao)在(zai)固(gu)定(ding)的(de)時(shi)間(jian)內(nei)完(wan)成(cheng)。但(dan)是(shi)他(ta)們(men)完(wan)全(quan)可(ke)以(yi)從(cong)過(guo)生(sheng)日(ri)的(de)錢(qian)中(zhong)省(sheng)出(chu)一(yi)部(bu)分(fen)，這(zhe)樣(yang)就(jiu)可(ke)以(yi)去(qu)一(yi)元(yuan)店(dian)淘(tao)些(xie)寶(bao)貝(bei)
，或(huo)者(zhe)是(shi)弄(nong)一(yi)些(xie)他(ta)們(men)夢(meng)寐(mei)以(yi)求(qiu)的(de)東(dong)西(xi)的(de)照(zhao)片(pian)貼(tie)在(zai)他(ta)們(men)的(de)存(cun)錢(qian)罐(guan)上(shang)，好(hao)讓(rang)他(ta)們(men)不(bu)會(hui)忘(wang)了(le)他(ta)們(men)自(zi)己(ji)的(de)目(mu)標(biao)。

    小學到中學：零用錢的年代

    孩hai子zi們men通tong常chang在zai這zhe個ge年nian紀ji對dui錢qian有you了le更geng多duo的de認ren識shi。他ta們men知zhi道dao錢qian可ke以yi買mai到dao什shen麼me也ye知zhi道dao錢qian可ke以yi為wei未wei來lai做zuo一yi些xie什shen麼me樣yang的de計ji劃hua。所suo以yi基ji本ben上shang可ke以yi給gei他ta們men一yi些xie零ling用yong錢qian。並bing要yao求qiu他ta們men用yong於yu正zheng確que的de用yong途tu--買小收集品
，娛樂或去逛商場--讓他們有一個自覺自願存錢的意向。他們也可以把他們的零用錢分布到花銷、存儲甚至是投資方麵。如果你不想把孩子的零用錢分配錯

，那麼還有一個簡單的做法可供選擇，就是要求他們按零用錢的10%去存。

    在孩子8suizuoyoushi，tayijingwanquankeyiyongyouyigezhenzhengdeyinxingzhanghule。danniyidingyaozaixigeitajieshizenmezaiyinxingjinxingcunqu。yinweijiusuanshizhegenianjidehaizi，yinxingduitamenlaijiangyeshihenshenmide，tongchangtamenhuikandaoqianzaizheerhuranjiubujianle，bingweicidanxin。

    你也可以通過將他們所丟棄的東西變廢為寶來鼓勵孩子養成節省的習慣--讓他們更深的意識到這是你自己的家。

    當你的孩子實現了他的目標時
，讓他們去購買他們計劃已久的東西並樂在其中吧。 孩子們的節省很可能是為了一些很無足輕重的目標
，但就像我兒子曾告訴我的："我可以為吃更多甜點去節省
，隻要你願意你可以為你想要的所有東西去節省。"