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Banking

Talking about money was not a popular topic of conversation in my family when I was growing up.  Some of the conversations I overheard regarding finances were negative.  My parents had a high school graduation dinner for me at Antonio's in Harlingen, Texas and thankfully I received some checks from family and friends.  I was 18 years old and my mother took me to First National Bank (now PlainsCapital Bank) to open my first checking account so I could cash those checks.  Like many of you, my past experiences shaped how I handle money today with my family.

I have always taken my daughters with me wherever I go.  I have even taken them on some important errands to PlainsCapital Bank.  I feel like it is important for them to listen to me interact with bankers.  My daughters, like most children, are very perceptive.  There have been times when we return to the car and they ask questions or share comments that let me know they were listening!

Girls with "Mo" the Buffalo

My wife and I spend time talking to our girls about "needs" and "wants."  They have completed chores that have earned money.  They have received money and gift cards for their birthday.  We have discussed the importance of saving, donating, and tithing.  I have shown them how to compare prices at different stores to get the best deal.  We have spoken about how coupons can save us money.  The earlier we begin teaching our children about finances the better!

I encourage all parents to save some money for their children if possible.  Open up a Youth Savings Program with a bank so that interest may be earned.  If you saved $5 per month for 18 years, your child could have $1,080 (that does NOT include interest)!  There is a strong link between behavior and finances.  If you look really hard, you can find that $5 per month.  Start by sacrificing one trip to Whataburger (we're in Texas and that #5 combo is more than $5)!

We went to PlainsCapital bank, where we've been customers for about 20 years, so that our girls could get some banking done.  The PlainsCapital Bank Youth Savings Program is great because there are NO FEES and they earn interest PLUS $5 on their birthday!  On today's visit, they were even given some cool swag!  PlainCapital Bank understands that loyalty is important to me and that I would like my children to continue banking with them for life.

PlainsCapital Bank Swag (coin purses)

If your organization is interested in collaborating with RGV DADS, please see the contact information below:

E-mail:  rgvdad2@gmail.com
Website:  fb.me/rgvdads
Twitter:  @rgvdads
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