Growing up we had money but my mom grew up very poor and made sure we understood the value of it. When I was 9 I got horsebackriding lessons that I eventually paid for myself by cleaning out stalls. When I got my first horse I had quite a nice stall cleaning business and paid for my saddles and more lessons. Ilearned about hard work and I learned how to save money. Unfortunatly somewhere after I became an adult I also became compulsive about shopping. I do better now but saving still eludes me,much to my husbands chagrin. We are trying to teach our 9 year old about money and its not easy. Kids these days are so entilted and as a parent its sometimes hard not to fall into that trap.I make my daughter save half her allowance for a future car. She knows how to save but she also wants the instant gratification of shopping. I usually make her wait at least a week if she wants to purchase something for $10. Then we discuss why she should get whatever it is. I also have her get rid of toys,clothes,stuff before Christmas,and her birthday and she helps decide what family we adopt every year for Christmas. I think the best thiing we did together about spending money recently was go to a local shopping district and we each could only spend a 10 dollar bill. We had fun looking and making decisions on how to spend money and she came home with $6