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Ask for cash instead of gifts. Start a bank account. Plan long term. Invest.
If you have a birthday coming up, be sure to let your family know you are trying to save money and that you would prefer money instead of a gift. Ask your parents to take you to a bank to help you set up a bank account. You can earn interest on the money you deposit into your account, and setting up a savings account (versus the old fashioned piggy bank) will make you less likely to spend on a whim. Many major banks allow teenagers or even younger children to open accounts - check online beforehand. If you are worried that you will spend your money instead of saving it, you can also limit the amount of money you can withdraw out of your account each month. While having a debit card is convenient, consider forgoing this option, as it makes it easier for you to spend, rather than save, your money. It’s never too soon to start budgeting your money! Maybe you want to save money to buy a computer or a nice Christmas gift for someone. Determine how much you will need and how long you have to save. Create a monthly saving goal so that you have enough money when you need it. If you have any money already in your wallet or bank account, ask you parents if they can open up an account at a stock brokerage for you. A good brokerage for kids is Robinhood since they charge no commissions and have no minimum deposit. Do research on some good stocks and ETFs to buy. This is one of the most effective ways to grow your money quickly if you are smart and careful about it. You can also ask an expert for some advice.