Buyer's Remorse
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Have you ever made a purchase and immediately had buyers’ remorse? I mean you really, really wanted to make that purchase, but deep down inside you knew you shouldn’t.  But then you talk yourself into it by telling yourself that this is the time to buy it and you need to act fast! Ever been there? I know I have. Probably more times than I am willing to admit! But these are the kinds of decisions we want to help our children to not make in their own lives. Especially the lessons on how to avoid unnecessary financial pain from bad decisions. 
So, we need to teach our kids how to spend wisely.
To consider the things that are needful first, like paying our bills and taking care of our responsibilities. These are the principles we need to train our children in. And we need to be clear that sometimes this includes words like, ‘patience’ and ‘waiting.’ As humans, this is something we all struggle with and why I believe we should always PRAY before we purchase.  Now I don’t mean if we are making a small purchase, like buying a candy bar or breath mints, but on what we see as a bigger purchase financially. Are we as fathers allowing our children to see us practice this principle of spending wisely? If not, let’s start. Let’s include our children during our prayer time for these things. Have you ever heard that sometimes things are learned by being caught, than taught? This is one thing I witnessed by my father. He included us in his prayer time, especially for those bigger purchases. We should also teach them the topic of SAVING. As fathers, one easy system to use is the 10-10-80 rule in finances:
Tithe – 10%,  
Save - 10%,  
Live off the remaining 80%.  
You can teach your children to do this same concept with three envelopes – Tithe: 10%, Save: 10%, then Spend Wisely (with your supervision) the remaining 80%. I know this is not the most exciting thing you will teach your children, but the dividends will pay for the rest of their lives. And one day they will tell the stories of how glad they are that their father taught them how to be smart with their money. 
Have a great day!
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