We'll we can't avoid to spend our money because we need it but here are some for the tips that you will able be more smarter if you are spending you money, It's never too early to start talking about money with your kids, says Stephen Rhodes, a former teacher, father of four, and a CFP and managing partner at Strategic Partners Wealth Management in Creve Coeur, Mo. "Begin by explaining to them why you work -- to make money for the family," he says. Explain to them the reality that the items they use each day all cost money, and you must work to make and save enough to make sure all things are paid for."
For local stores who sell things made by other companies, the price you pay is determined by their “mark up.” Stores purchase large quantities of goods from companies who sell them at “wholesale” prices. These prices cover the costs of manufacturing and shipping as well as profit for the brand name, but are substantially lower than what you pay at the cash register.
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