Besides your school graduations, your baptism, your wedding…OK. We realize you may not be thinking about those things yet. But nonetheless, besides all of those events that will make a huge impact on your life, there’s another thing that will also make a huge impact: money.

Right now you’re probably saying, “Nah. When I need something, Mom and Dad will buy it.” But what about when you get a job and have to start paying bills! (You know, those envelopes that come in the mail, and your parents nod their heads when they get them and say, “Couldn’t I get something else in the mail besides bills?”) Bills come from car companies, telephone companies, heating and cooling companies, etc. All those luxuries of life—riding to school in your family van, talking to your friends on the phone, and having air-conditioning when the weather outside is 95 degrees—cost money.

So it’s probably a good time to start thinking about the best way to handle money. That way, when you get to be a teenager (and older) and get a job, you’ll have at least a little idea of how to use it wisely.

Below we’ve asked several people to give you what they consider good advice for handling money. We think they’ve come up with some winners!

If you had one piece of advice to give to kids about how to handle money, what would it be?
“If you are willing to spend your own money to get it, then it’s a reasonable and acceptable purchase.”
--Marilee Morris, owner of Standard Office Supply, Washington, D.C.

“Tithe some, save some, invest some, and spend some.”
--Jeanine Silliman, Gaithersburg, Maryland, mother of four sons

“When you have money to spend, manage it wisely by first setting aside tithes and offerings for God. Second, save some for times when you might need it in the future. Third, look for good deals and good quality items.”

G. Edward Reid, director of stewardship for the North American Division of Seventh-day Adventists, Silver Spring, Maryland.