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It’s never too early for youngsters to begin developing their financial intelligence. The most important thing parents can do is to set a good example, but there are also plenty of other ways to plant the seeds of fiscal responsibility in children. One great way is to let kids hear Mission 1: Celebrate Saving!, a music CD by Sammy, a cartoon rabbit that serves as the spokesperson for The “It’s A Habit!” Company, Inc.
The lyrics send strong messages about earning, saving, sharing, and investing. Simple rhymes are set to catchy melodies that children and adults will enjoy listening to and discussing. The clear, repetitive phrases are easy to understand and remember so as kids learn the words they also learn the lessons.
“Get in the Game” teaches about saving, with lyrics such as “From every dollar, save a dime” and “Don’t ignore this call and go to the mall and spend it all, you’ll hit a wall.”
“Anyone Can Be Rich” sends this empowering message: “It doesn’t matter how much you have to start … The sooner you start, the less it takes … anyone can be rich.”
A message of setting goals and putting together a plan to reach them is the focus of “Plan.” In “Lemonade Stand,” the fun of working and earning money is stressed. Then there’s the wise “Don’t Spend More Than You Make” and the lively “Debt Stinks.” The words to all 15 songs on the CD are printed on the insert for parental review.
Music and songs have long been accepted as effective education tools, a fact that has spawned much controversy about the lyrical content of many popular songs. According to the American Academy of Pediatrics: “Awareness of, and sensitivity to, the potential impact of music lyrics by consumers, the media, and the music industry is crucial. It is in children’s best interest to listen to lyrics that are not violent, sexist, drug-oriented, or antisocial.”
If you want your kids to hear songs with positive messages that will provide a lifelong benefit, Mission 1: Celebrate Saving! will be a great addition to their music library. The CD can be purchased for $10 at www.itsahabit.com. The site also includes books, lesson plans, and other resources for teaching kids financial literacy.
