My eldest daughter is now already in first year high school. At age 12, she is tall but with a thin body of an elementary pupil. Her body is not yet fully developed like any of the teenagers at her school. But what I admired the most is her ability to save money. She can be capricious at times but she only uses the money from her allowance that she saved. She can save her allowance if she wants too and there are times that she spends it buying cute things for her own personal projects.

Sometimes, I think she would perform well in the realm of finances if we have credit card for teenagers here in our country. She knows how to manage money. Anyway, I just hope she will learn not only about savings but also investing. Saving and investing are two factors needed to be successful in personal money management that will prove to be of good value in her adult life.