For most people, spending comes naturally. Saving up for something special is harder. And setting money aside for giving is really hard.
The concept of three money jars can help. Each jar represents an activity: spending, saving and giving. When you receive your allowance or a gift of money, divide the money up and put it in each of the three jars. Dividing your money into thirds is a good way to get started, but the amount of money you put into each jar is up to you. Make sure you use clear jars so you can see your money build up in each jar over time.
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