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Cheryl P
The kids are 4 and 7. I have tried to find reviews of campgrounds in New England/New York/New Jersey but have not found any good sites. Most have so few reviews I cannot get a good comparison. I would like to find a campground with lots of things we can do (biking swimming playgrounds etc) that is very family friendly and possibly has some inexpensive activities in the area such as wineries, kid museums or outdoor adventures.
Answer
Catskills State Park in NY is only 2 1/2 hours from Hartford. It's GORGEOUS and there's a lot to do in the area. We love Woodstock (no hippies now). There are some wineries (not at the level of California, but nice) and plenty of outdoor activities. As far as family friendly - you can't get more family friendly. Families go there every year in the summer. There are some links below that might help-
Catskills State Park in NY is only 2 1/2 hours from Hartford. It's GORGEOUS and there's a lot to do in the area. We love Woodstock (no hippies now). There are some wineries (not at the level of California, but nice) and plenty of outdoor activities. As far as family friendly - you can't get more family friendly. Families go there every year in the summer. There are some links below that might help-
Is it ever too late to teach our children about saving money?
This is a simple system that can be started at any time with your kids. It's a great idea to have everyone sit down a couple times a year and give an overview of their "investments." Since banks don't tend to use bank books any longer, you can have children keep track in an Investment binder that you create. It helps reinforce to the children how important their savings is and validates their hard work at keeping their hands off that money.
Answer
Step1Find a bank where your child wants to bank. Consider online banks as well, as your child will probably be more comfortable with these institutions and more excited to save. Open their account(s) and name the 2 sections--the first should be "Long Term" and the second should be "Savings."
Step2Every time that a child receives money, no matter the amount, talk to them about breaking the money into thirds.
Step3The first third is to go into the account they label "Long Term." This is money that they will be saving for college or post-secondary life.
Step4The second third is to go into the account they label "Savings." This is the money that they will use for items that will require larger sums--perhaps a new bike or name brand clothing--anything that will require pooling money over time. Have them note what they paid for when they take money out of this account.
Step5The third amount is "Now" money. They can do whatever they wish with it. Spend it, save it--whatever they desire. Leave it totally up to them. That freedom will make the initial feeling of loss (of the first two-thirds of their money) feel less constricting.
Step6Have them keep track of all 3 amounts in their section of the Investment binder. This will help them see: that even small amounts are important as they grow into larger ones; that they are building towards their long-term future while taking care of short-term desires and today's "I need it" item; and that keeping track of the "Now" money spent will encourage your kids to see what they've spent over time. This can be a real eye opener. Just as seeing what they spent their "Savings" money on--they can later review the purchase and talk about whether it was worthwhile, in hindsight.
Being open about money will mean that your kids may ask you about your money and what you're doing with it. It's an opportunity to have discussions that outline what type of money responsibilities they will have when they are adults.
Step1Find a bank where your child wants to bank. Consider online banks as well, as your child will probably be more comfortable with these institutions and more excited to save. Open their account(s) and name the 2 sections--the first should be "Long Term" and the second should be "Savings."
Step2Every time that a child receives money, no matter the amount, talk to them about breaking the money into thirds.
Step3The first third is to go into the account they label "Long Term." This is money that they will be saving for college or post-secondary life.
Step4The second third is to go into the account they label "Savings." This is the money that they will use for items that will require larger sums--perhaps a new bike or name brand clothing--anything that will require pooling money over time. Have them note what they paid for when they take money out of this account.
Step5The third amount is "Now" money. They can do whatever they wish with it. Spend it, save it--whatever they desire. Leave it totally up to them. That freedom will make the initial feeling of loss (of the first two-thirds of their money) feel less constricting.
Step6Have them keep track of all 3 amounts in their section of the Investment binder. This will help them see: that even small amounts are important as they grow into larger ones; that they are building towards their long-term future while taking care of short-term desires and today's "I need it" item; and that keeping track of the "Now" money spent will encourage your kids to see what they've spent over time. This can be a real eye opener. Just as seeing what they spent their "Savings" money on--they can later review the purchase and talk about whether it was worthwhile, in hindsight.
Being open about money will mean that your kids may ask you about your money and what you're doing with it. It's an opportunity to have discussions that outline what type of money responsibilities they will have when they are adults.
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