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  • Articles, Money

    Money Saving Skills for Students

    save money

    For most people, high school is a time of “firsts” — your first relationship, your first car, and perhaps the most important, your first job. 

    When you secure your first job, there’s no better feeling than spending the money you’ve rightfully earned. Trust me, I’ve been there. It’s easy to wear the cash-goggles, blinding you to the amount of money you’re spending and the significance of the objects you’re buying. There will come a time when you consider saving your check instead of using it immediately. 

    Whether you’re saving money to purchase something a little more expensive or thinking ahead to college funds, these tips, with a little pre-planning and self-control, will leave your bank account fuller for longer. 

    Split it up! 

    When I was in high school, and still to this day, I used this strategy. I swear by it. Typically, there are two components to every bank account: your checking and your savings. By immediately splitting your paycheck in half (or whatever fraction you prefer) and stowing part in your savings, you’ll forget you even put it there.

    If your parents are anything like mine, they’ve probably taught you that your savings account is strictly reserved for emergencies or for future endeavors. Since they ingrained that statement in my mind, I forget the money in that account exists.

    If you form the habit of splitting your paycheck upon receiving it, you can quite literally trick yourself into spending less money. 

    Limit yourself

    Back in high school, meetings and practices dominated my schedule; when a free day came around, which wasn’t very often, I would make plans two weeks in advance. For me, hanging out with friends usually consisted of going to get food or go shopping. Now that my life isn’t controlled by sports, I have more free time to go out. Which means I spend money. I have to intentionally limit myself instead of relying on my activities and hobbies to do it for me. By planning ahead of time what days you’re going to spend money, it’s easier to say no and save instead. 

    Do the math and write it out 

    If you’re looking to go a little more in-depth with your savings (or you love spreadsheets like me), then this is the strategy for you. You can do this by dividing your paycheck up into percentages, such as 10% for gas, 15% for random expenses, etc. (Model budget breakdown percentages can be found all over the Internet, especially on Pinterest. Here is the link to one of my favorite free budget template– it’s great for beginners). After creating ratios you’ll apply to each paycheck, you can keep track of your spendings in Excel, which will complete all of the math for you. 

    By knowing where your money will be going in advance and documenting the purchases you’ve made, you’re creating a budget and ensuring you won’t run out of money for the extent of that paycheck period. 

    While high school jobs don’t provide extensive amounts of money you can also implement these techniques in the future. By forming solid saving habits now, you’ll be setting yourself up for success in the future.

    Here are some more money tips to help you have more money!

  • Articles,, Money

    The Importance of Financial Literacy

    importance of financial literacy

    In high school, one of the most useful classes I took was Personal Financial Planning.

    An online, single semester course, PFP was an engaging class that covered a lot of important and relevant material. From learning conceptual information using EVERFI’s financial literacy modules to participating in an online stock market simulation with my classmates, I liked that my teacher used multiple learning tools to help students understand the content.

    I thought my personal finance class was fairly straightforward, and it took a few hours each week to complete the assignments and assessments. The class was well-organized, interesting, and very applicable and useful for my life. Many of my peers who have taken a personal finance class in a traditional classroom setting or online (like me) have also had a positive experience, and they tell me that they definitely felt that the class was worthwhile.

    Personal finance is important and useful

    I feel that in high school, certain courses that students take aren’t as easily applicable to daily life. For example, calculus isn’t something most individuals in the real-world use on a day-to-day basis. However, personal finance is definitely important. Through this class, I learned many useful skills, including how to create a budget, the basics of filing taxes, how to deal with student debt, and even what factors to consider when buying my own vehicle someday. As myself and many other students my age go off to college or other post-secondary opportunities soon, these skills will become more and more useful. I think all high schoolers need to be taught personal finance in some sort of school setting because these are real-life skills that will come in handy in the future. Nowadays, many young people make unwise financial decisions and have to deal with the consequences—sometimes for the rest of their lives. Many times, this happens simply because they didn’t fully understand what they were getting themselves into. Having an understanding (even if it’s just a very simple, basic understanding) of financial concepts and ideas before graduating high school would be so helpful and beneficial for success in the real world.

    Schools are starting to make personal finance a requirement

    Although taking a personal finance class wasn’t a graduation requirement for me personally, my high school very recently made it a requirement for students beginning next year. This isn’t a change just in my high school; in fact, many high schools across the nation are requiring students to take a personal finance classes, and the U.S. Treasury has recently called for mandatory financial literacy courses for college students because of concerns regarding student debt. It’s really no wonder that such high significance has been given to financial education for high school and college students in recent years; currently, U.S. student debt is at a record high of more than $1.5 trillion. There has been a lot of concern that students and families are taking on debt without realizing the long-term impact it could have.

    Thinking about college

    With college tuition and related expenses currently at exceptionally high rates (and only rising year-to-year), it is important for families to really consider their finances and think through the implications of debt before making college and other educational decisions. Having a good understanding of debt and its effects will only make it easier for students to have productive conversations with their families about important topics like this, and it may allow students to view a situation from multiple perspectives and make an educated decision with their family that takes multiple factors, including prestige, finances, resources available, etc, into consideration.

    When making a college decision a few months ago, I had a lot to consider, and I think having a good understanding of personal finance really helped me see my options from multiple perspectives. I was able to think beyond just the next four years and really consider how I wanted my life to look in the long-run.

    Personal finance was a high-impact class that was both simple and interesting. Even if your high school doesn’t require students to take it, I still recommend that you take the class if it is offered to you. If you are not able to take personal finance as a class through your school, I would encourage you to look into online options such as EVERFI and just go through the modules during your free time. These courses are usually very easy to understand and don’t require very much time or effort. I was able to get a better understanding of many important financial concepts and topics, and I definitely think I am better prepared for college and life in general because I took a personal finance class.

  • Articles,, Money

    What is Money?

    girl counting money

    Well, I don’t mean the definition, but more so, what is its purpose? Money is used for many things that vary based on age groups. For adults, the main money flow usually goes towards bills, necessities, or items for children. Children usually use their money for their wants, such as candy or games. Teenagers, specifically girls tend to buy for both of their wants and needs, such as necessities for their period as well as chocolate as an add on. The worth of a dollar has changed through the centuries, as it became more valuable to live on in the developed world, but the worth of a dollar also changes through the age cycle. I will explain how to use money as a teenager and how to use it, more wisely.

    Is money even necessary?

    I would say money is not necessary, but, as a teen, I can say that changes as you get older. As a teen, you start to gather more money from different sources and of course, as an effect, spend more. The ways that you use money as a teen does affect your money habits as an adult, but as a child or even a teenager, I would say it is not as important to some as an adult.

    How can you earn money?

    Some ways to earn money are through

    • Jobs
    • Parents
    • Chores
    • Passive Income

    Some jobs that you can earn money from can be from neighbors, family, or friends, from things such as mowing lawns, helping with animals, babysitting, or even small things such as cooking and cleaning for others. You can earn money from chores or from your parents by doing tasks like cleaning, cooking, helping with pets, watching siblings, or getting an allowance.

    The last way to earn money as a teen is from passive income. You could get passive income from

    • Stocks
    • Blogs
    • Youtube
    • Social Media
    • Small Business Online

    Looking for other ways to earn money? Here are 49 ways to make money as a teen.

    What should I do with my money?

    One major thing that is helpful and that you have most likely heard more than once is to save your money! This can be annoying sometimes because you may never want to save your money but want to spend it responsibly, but saving is a major help for the long run. Saving your money can help by

    • Allowing you money for college
    • Helping your parents with money
    • Allow you to save for something big
    • Allow for better money habits
    • Good thing for emergencies

    You can, of course, spend your money, wisely. A few tips to spend your money, which are short, but sweet:

    • buy what you absolutely need first, and what you want second.
    • When you shop, make sure you don’t already have that same item, even if it’s in a different color.
    • Be sure to buy based off of quality, not quantity. Four toothbrushes are good, but if you use them in one month, it would have been better to have gotten the one toothbrush that would have lasted for three months.
    • One other way is investing your money from banks or from stocks.

    In conclusion, you should be sure to use your money wisely and efficiently. There are many more ways to make money and of course many things you can do with it, but as a teenager, the amount of notice you are taking in on your money should be a lot. One of the most important things that can alter your adult life is money, so as a teenager you should be very aware of what you are doing with yours.

    Looking for more money tips? Girl Spring has you covered!

  • Articles, Money

    What Teens Should Know About Taxes

    What Teens Should Know About Taxes

    If you have ever gone shopping then you know about sales tax, but do you know about every other tax under the sun? When you buy a house, rent an apartment, buy land, buy a car, pay for license plates, get a job, or have dinner, you are bound to pay some sort of tax. For some reason, general education does not focus enough on things that are relevant to students once they graduate high school, such as hidden tax fees.

    I recently purchased a car from a private seller and knew a little bit about taxing and that I should expect to pay it heavily on my new car. Yet, when I arrived at the dealer, I was met with a smaller amount to be paid than anticipated. Why was that, you may wonder? I was under the impression that sales tax (being around 9% or 10% in my state) was the average amount of taxes taken out of everything. I had been working multiple different jobs since graduating high school and never once stopped to ask what the percentage was being taken from my paychecks. I just accepted that the money would be automatically withdrawn and moved on.

    If someone had never purchased a car before (I.e. a recent graduate of high school or college), then finding out a tax needed to be paid at all might come as a shock. Fortunately, I had bought a car prior to this instance with my mother and had to pay taxes on it. The only problem is that the first time I bought a car, the tax was 10%, but this time it was only 3%. I asked the lady at the DMV (Department of Motor Vehicles) why the tax was different, and she explained to me that the state I live in only does a 3% tax on vehicles, and this was a recent change. I accepted the information, paid the due, and once again moved on.

    Here is some useful information to consider when making large purchases in Alabama:


    1. The sales tax in Alabama is pretty high compared to other states in the nation, and in the counties nearest me it is either 9% or 10%. This means that for every dollar you spend, you pay 10 cents in taxes. If you spend $10, you will pay $1 in taxes. This only applies when shopping.
    2. Do not assume you know the exact value of the taxes on your vehicle purchase. The state now assigns an estimated value for your vehicle and taxes it according to that. So, if you purchase a car for $5500, but it is valued at $6900, then you will be paying a 3% or 4% tax on $6900.
    3. Always, always research your local taxes before making large purchases, because taxes can change. Or there could be additional taxes that you may not have even known about.


    Here is a link for further knowledge of taxes:

  • Articles, College, Confidence, Money, School, Writing

    How to Write College Essays

    How to Write College Essays

    guest post by Rick Wedell, RFG Chief Investment Officer


    College application deadlines are approaching, and with that there comes the stress of the application process. Some schools do not ask for essays, while others may ask you for several different pieces of writing. With that in mind, we thought we would share with you a good approach to writing college essays beyond the simple “make sure you proof- read carefully”.1



    Step 1: The Personal Narrative

    Ideally, a college application should tell a compelling story about who you are, why you want to go to school in general, and why this institution in particular. We’ll call this your personal narrative – the twenty second elevator speech youwould give to the admissions of cer if you were fortunate enough to be able to trap them in an enclosed space for thatlength of time.

    This is a story that you should construct on paper prior to even looking at the application, and it’s crucial that it weaves itself together into a compelling and coherent story line. Consider two narratives –

    1. I’m Rick, I’m a natural leader, I ran track and focused on Model UN in High School, I want to go to college so that I can become a marine biologist, and I’m interested in the University of Miami because of your amazing overseas exchange student program
    2. I’m Samantha, I’m inquisitive, I was active in the debate team and student government in High School, I’m looking to go to college so that I can one day go to law school, and I’m interested in the University of Virginia because of your excellent pre-law curriculum track 2

    To a college admissions counselor, Rick sounds like he has no sense of what he is doing with his life, while Samantha sounds like she has been organized around a single purpose since the day she could walk. Each aspect of her narrative is complementary and additive to the others, and as a result, Samantha is a far more compelling candidate. More importantly, her story is a heck of a lot more memorable because it all hangs together – inquisitive, debate, law school, pre-law.

    As a guideline, your narrative should include two to four characteristics that describe who you are (or who you want the admissions department to think of you as). These can be interests, achievements, activities, or descriptors.
    The most important thing about your narrative is that it needs to be believable! If you say you want to help impoverished children, then you had better be able to point to something concrete that demonstrates this desire.

    That said, saying it needs to be believable is not the same thing as saying that it needs to be 100% accurate, particularly when you discuss why you want to go to college and why this school in particular. In your heart of hearts, you may want go to the University of Wherever because that’s where your friends are going, or because you love their sports teams, or because your parents went to their arch-rival and you are trying to rebel. These are all valid reasons for going to the school and horrible reasons to put on your application. You shouldn’t lie about grades, an activity, a leadership role or accolade or anything like that, however stretching the possible on your motivations or what attracts you to the school is fair game so long as it is believable. In our examples above, Rick could make his story more compelling if he tied his experience in Model UN to an interest in a government degree and Miami’s fantastic public policy program. He can always switch to marine biology once he enrolls.3

    So now we’ve got our personal narrative, which is a well-constructed, believable story about who you are, why you want to go to college, and why you want to go to this college in particular. The next step is to actually look at the application itself.


    Step 2 – The Grid

    Every college application is different. Some applications ask for a single essay, others ask for multiple short answers, others ask for multiple essays, and some ask for no written samples at all. If the application asks for a single essay – no problem – just take your personal narrative and start writing. If multiple written responses are required, that’s when we come to the concept of the grid.

    The grid is pretty simple – put your narrative in boxes across the top row and the list of writing requirements down the page. At the far right should be a column called “topic”. To illustrate, we’ll use Samantha’s narrative and some essay questions I made up:



    Student Gov.

    Law School

    Pre-law track


    Talk about a time you struggled?

    What are you most proud of?

    Why would our campus be a better place with you on it?

    Now, all we need to do is decide which situations or experiences we are going to address in each essay, making
    sure that we touch on all of the elements of our narrative at least once in the entire application. We don’t want every response to check every box, but we do want to check 2 or 3 boxes with each answer and make sure that nothing in ourpersonal narrative gets left out when the admissions of cer nishes reading the application as a whole.


    What the grid forces you to do is focus your writing on your message and avoid the cardinal sin of application writing – DO NOT simply answer the questions in a laundry list fashion. Samantha may be very proud of the time she won the spelling bee in Junior High. If the application asks what she’s proud of, she might be tempted to write about it. After all, who wouldn’t be proud of that? At the same time, that response is off message. It’s impressive, and it might make for a good essay topic for some applicants, but it doesn’t really fit into Samantha’s story. She certainly should list that achievement when asked about extra curriculars, awards, and accolades, but she shouldn’t spend essay time writing about it. Instead, she should pick an experience or situation to write about that helps to tell her story.

    Keep in mind that the questions are just prompts to get you talking about yourself, and no admissions officer is going to penalize you for being a little off topic with your answers so long as you make an effort to frame it within the question. The best overall candidates get into school, not the people who have the best examples to fit into the application questions.

    If Samantha wants to talk about a debate tournament she won for the “struggled” question, she can spend a little time describing the struggle she had with preparation for the tournament as she crafts the response. If she’d rather talk about the tournament in the next question, then she can be “most proud of” the fact that she worked together with her team and coaches to get to the victory. You get the idea.

    When Sam is finished with her grid, it might look something like this:



    Student Gov.

    Law School

    Pre-law track


    Talk about a time you struggled?



    Debate Win

    What are you most proud of?



    Class Senator

    Why would our campus be a better place with you on it?




    Legal Intern

    She’s chosen topics to write about for each of these three essays that highlight the qualities checked on the grid. Once again, she’s not talking about everything in every response, but when she’s finished her narrative should flow through the application. Now that she has her topics, it’s off to write!


    Step 3 – The Writing

    Steps 1 and 2 are about figuring out what to write about for each question, and now we get to the point of actually putting words on paper. A couple of tips:

    • Make every word count. You have a limited number of words, and most of us are prolific with our prose. You want to cram as much content into as few words as possible. Start by writing with no filter, and then go back and delete / rephrase until you hit the target word count. Intro phrases like “for example” and “in other words” are great candidates to slash and burn.
    • Show, don’t tell. Wherever possible, use examples / stories / anecdotes (like the Samantha and Rick storylines above) to illustrate your points versus just stating them – it makes the work more engaging to the reader.
    • Customize your answers for each school. You may be tempted to copy essays from one application to the
      next. Resist the temptation unless the questions are the same. You can talk about the same situations on every application by reframing the experience (e.g. Samantha’s debate tournament win), but the copy / paste function on your word processor should be avoided like the plague.
    • If a question asks you about your personality or “who you are”, be brutally honest. These questions are probing not only for who you are, but for how well you know yourself, and should be treated with an appropriate level of introspection. They aren’t necessarily asking you to talk about the time you were elected president of the student government or some other mind-blowing achievement or skill. You can still fit these into the grid, but be careful – you want these responses to show that you are aware of your weaknesses as well as your strengths.4 Be honest with yourself. A good rule of thumb is that you will know that this type of essay is ready to submit when you hesitate to print a copy for fear that one of your friends might someday find it.
    • Find someone you trust to edit and proofread. You do not need 50 different editors, because they will give you conflicting advice. Find 1 or 2 people who will read all of the essays together and make sure that they present a compelling storyline, and who are willing to suggest changes to things that are a little off – an editor is worthless if they simply tell you the essays look great.

    Step 4 – The Recommendations

    You might think that we are all done once we’ve done the writing, but we still have letters of recommendation to consider! After all, we did all the work to come up with our personal narrative, and there is no reason not to share that with whoever is writing your letters of recommendation.


    Indeed, you should probably think about your personal narrative when you think about WHO you ask. Ideally, we want the recommender to discuss something additive to your story, but not repetitive. If Samantha has her softball coach write a letter, it’s nice, but it doesn’t really build her story. Her Social Studies teacher might be a better option, as that is consistent with and adds to Samantha’s narrative. Having her Debate coach write the letter would be more in the repetitive camp.

    Once you’ve identified who you want to write the letter, you should ask them. Give them an out, so that if they do not want to write the letter they have a pre-built excuse. Something like “Mr. Johnson, I’m applying to the University of Wherever, and I was wondering if you have the time to write a good letter of recommendation for me?” Asking if they have the time gives them an out without hurting your feelings – you don’t want someone writing a rec who doesn’t want to do it.

    If they agree – great! Most people who write letters of recommendation want to see you succeed – they wouldn’t write it if they didn’t care. By telling your recommender how you are positioning your application, you let them know what
    to highlight in their letter. At the very least, it helps ensure that they won’t directly contradict you! Share your personal narrative with them, and if you feel comfortable enough, suggest what you think they might be able to add to the conversation.

    Sam might say: “Mr. Johnson, thank you for agreeing to write a recommendation for me. Elsewhere in my application, I’ve talked about how I’m inquisitive, loved student government and debate, and am interested in law as a career. I was hoping that you might be able to highlight my work in your class for the admissions office?” This is innocuous enough to not be pushy, but gives the letter writer enough information to compliment her story.5

    Last, but not least –

    I hope that this has been helpful as you approach your college applications. While the process may seem daunting, in a sense you are really just being asked to tell a couple of stories about yourself. These stories should be chosen and written carefully so that they are both interesting and present the best picture possible, but try to approach the process with a sense of humor. After all, no one is more qualified or better positioned to write about your life than you are.

    Good luck!


    1 Which you should 100% do.
    2 The “why this particular school” portion requires you to do some homework on that school and what they offer you in that particular field. Spend the time and craft a custom answer – it shows you aren’t cutting and pasting.
    3 As an aside, MOST schools want a nice mix of math geeks, jocks, and poets. For schools that have a particularly dominant bent towards one type of major, saying you are interested in something OTHER than that might be helpful (so long as you can make it believable). Case in point – I applied under the guise of pursuing an engineering degree at a school more known for finance, then switched once I got there.
    4 I’m not talking about weaknesses like “I like to steal things” or “I have a crippling addiction” which will get you kicked out of the process immediately. We all have things we are great at and places where we could improve. Show that you know about both aspects of yourself.
    5 You should send this to your recommender in an email, or otherwise write it down so that they can refer to it later – most letter writers are doing a lot of them this time of year, and simply saying it risks they will forget it.
    Investment advice offered through RFG Advisory Group, LLC, a Registered Investment Advisor.
  • Money

    Money Tips

    How to Ace Your First Test Managing Real Money in the Real World

    As a teen, you’re beginning to make some grown-up decisions about how to save and spend your money. That’s why learning the right ways to manage money…right from the start…is important. Here are suggestions.

    Save some money before you’re tempted to spend it. When you get cash for your birthday or from a job, automatically put a portion of it — at least 10 percent, but possibly more — into a savings or investment account. This strategy is what financial advisors call “paying yourself first.” Making this a habit can gradually turn small sums of money into big amounts that can help pay for really important purchases in the future.

    Save some money before you’re tempted to spend it. When you get cash for your birthday or from a job, automatically put a portion of it into savings.

    Also put your spare change to use. When you empty your pockets at the end of the day, consider putting some of that loose change into a jar or any other container, and then about once a month put that money into a savings account at the bank.

    “Spare change can add up quickly,” said Luke W. Reynolds, Chief of the FDIC’s Community Affairs Outreach Section. “But don’t let that money sit around your house month after month, earning no interest and at risk of being lost or stolen.”

    If you need some help sorting and counting your change, he said, find out if your bank has a coin machine you can use for free. If not, the bank may give you coin wrappers.

    Some supermarkets and other non-banking companies have self-service machines that quickly turn coins into cash, but expect to pay a significant fee for the service, often close to 10 cents for every dollar counted, plus you still have to take the cash to the bank to deposit it into your savings account.

    Keep track of your spending. A good way to take control of your money is to decide on maximum amounts you aim to spend each week or each month for certain expenses, such as entertainment and snack food. This task is commonly known as “budgeting” your money or developing a “spending plan.” And to help manage your money, it’s worth keeping a list of your expenses for about a month, so you have a better idea of where your dollars and cents are going.

    “If you find you’re spending more than you intended, you may need to reduce your spending or increase your income,” Reynolds added. “It’s all about setting goals for yourself and then making the right choices with your money to help you achieve those goals.”

    Consider a part-time or summer job. Whether it’s babysitting, lawn mowing or a job in a “real” business, working outside of your home can provide you with income, new skills and references that can be useful after high school or college. Before accepting any job, ask your parents for their permission and advice.

    Think before you buy. Many teens make quick and costly decisions to buy the latest clothes or electronics without considering whether they are getting a good value.

    “A $200 pair of shoes hawked by a celebrity gets you to the same destination at the same speed as a $50 pair,” said Reynolds. “Before you buy something, especially a big purchase, ask yourself if you really need or just want the item, if you’ve done enough research and comparison-shopping, and if you can truly afford the purchase without having to cut back on spending for something else.”

    Be careful with cards. Under most state laws, you must be at least 18 years old to obtain your own credit card and be held responsible for repaying the debt. If you’re under 18, though, you may be able to qualify for a credit card as long as a parent or other adult agrees to repay your debts if you fail to do so.

    An alternative to a credit card is a debit card, which automatically deducts purchases from your savings or checking account. Credit cards and debit cards offer convenience, but they also come with costs and risks that must be taken seriously.

    Protect yourself from crooks who target teens. Even if you’re too young to have a checking account or credit card, a criminal who learns your name, address and Social Security number may be able to obtain a new credit card using your name to make purchases.

    One of the most important things you can do to protect against identity theft is to be very suspicious of requests for your name, Social Security number, passwords or bank or credit card information that come to you in an e-mail or an Internet advertisement, no matter how legitimate they may seem.

    “Teens are very comfortable using e-mail and the Internet, but they need to be aware that criminals can be hiding at the other end of the computer screen,” said Michael Benardo, manager of the FDIC’s financial crimes section. These types of fraudulent requests can also come by phone, text message or in the mail.

    Be smart about college. If you’re planning to go to college, learn about your options for saving or borrowing money for what could be a major expense — from tuition to books, fees and housing. Also consider the costs when you search for a school. Otherwise, when you graduate, your college debts could be high and may limit your options when it comes to a career path or where you can afford to live.

    For more information on saving and borrowing for college, visit Student Aid, a Web site with information from the U.S. government and other sources.

  • Articles, Money, work

    So You Want to be a Nanny?

    Nannying is a lot of fun but it also requires a lot of work! Babies can be fussy, kids don’t always want to pick up their toys, and broccoli still doesn’t taste good to them. It can be tricky but once the kids gain your trust, the possibilities of having fun are endless!

    The best tips I can share are to:

    1) Always listen to the child. A lot of times they just want to tell you a 10-minute story of how they fell down but they got a really cool band-aid at the end, or how they went to see this really awesome movie with their family!

    2) Make sure you are engaging with the kids and respond with something cool you did; they want to know about you too!

    3) Another big thing is rewards! If the kids are acting up, try and set a reward. For example, if they do all their chores, THEN they get to play at the playground or the pool! It keeps them on top of their chores and motivates them to get through the boring chores.

    4) My last piece of advice is to be creative! Typically, little girls love to play with dolls. Try creating a place for the doll to sleep using an old cardboard box and some construction paper. I can guarantee they will love it! If you are nannying little boys, build a race car ramp so they can race their cars and trucks down it! Nanning is all about what you make it, but it is a lot more fun when the kids are smiling from ear to ear!

    Remember, your role is to be likable and fun, but also someone the kids respect. If you put these tips into place, nannying or babysitting can be a very rewarding job!