I am not sure what I am going to do when the girls get older and start asking for a credit card of their own. My parents gave me when I entered high school so that I could start building credit. I would use it only if I have money saved to pay the bill when it came in. Back then, they didn't have pre-paid credit cards like they do now. If they did, I think my parents would have went this route to help teach us responsibility. My middle brother would go crazy buying clothes and racked up a lot of IOU's with my parents, which now that I think about it, he never paid back. :-)
While I am still years off from the girls needing a credit card, I wanted to share the following smart spending tips for parents of teens who are asking for a credit card, or for those with kids like my brother was and need to sit them down and talk about being financially responsible.
![How to Spend Smart](https://db7qi3ckj21xr.cloudfront.net/spendsmart_flm_infographic-6a8a87d32c81d837bf9196c3abfa2a5b.png)
Click here to learn more about SpendSmart and their pre-paid credit card for teens: https://spendsmartcard.com/
Disclosure: This is a sponsored post of which I was compensated for my time in promoting the vendor. However, all views shared are mine and mine alone.
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