We all need to work.

We are all part of a family that needs to get things done.

Kids can work around the house and outside in the yard. Mom and Dad will be very pleased with any help you can give them.

Making your bed, cleaning the dishes, helping with laundry, picking up after yourself - these are all things you can do to help your family with the work that needs to be done around the house.

Outside kids can help with watering the plants and flowers, weeding the gardens, cutting the grass, raking up leaves in the fall, and shoveling snow in the winter.

As kids get older, some parents pay them an allowance for doing work and helping around the house with the chores.

Also, as kids get older, you can work at your neighbor's house doing chores, especially if you have any older neighbors that can't do certain jobs.

You can rake leaves for them, mow the grass, shovel snow. There lots of work you can do. Sometimes you can help for free, and other times you can get paid for your work.

Kids will first be paid for work with pennies, nickels, dimes, and quarters. Here is a picture of the coins below. Can you tell the different coins apart? All these coins will fit into your piggybank.

As kids get older and do more and harder work, you will start to be paid with dollar bills -

Now you take your allowance money that you got paid for doing your chores, and you put them in a piggybank to save. To save means you are not going to spend the money right away. Instead, you are going to let the money add up in your piggybank.

As you get older, you will most likely make more money working for other people. When you are a teenager, you can get a real job.

Now you will be making enough money to open up a bank account.

Opening up a bank account is easy. Mom or Dad can go with you and show you how. You fill out a piece of paper called a form, and that's about all there is to it.

You then deposit your money with the bank, which means you have loaned the bank your money.

In return, the bank promises to pay you so much money, called interest, every month because you were kind enough to loan them your money.

The interest that adds up month after month, on top of the money that you first put in, can add up very quickly.

You are now getting paid interest on your interest. This is called compounding, and is a very powerful tool for saving.

Even grown-ups overlook the power of compounding. You can read about it in the beginner's section.

Now you can share what you have saved with others. You can buy presents for your family on their birthdays. You can treat your friends to an ice cream cone. There are all kinds of ways to share. See how many you can think of.

When you go by the Salvation Army Person rigging their bell at Christmas, you can donate money to the poor and less fortunate people then yourself. When you see the March of Dimes poster cards, you can donate a dime or two.

You will find that it makes you feel good inside when you help others. It is a sign that you are growing up, and becoming a good and caring person.

You can also help others by directly working for them, helping the elderly by mowing their lawn, or shoveling the snow on their driveway. Sometimes just sharing your time with the sick or elderly can do a great deal of good. Try it - you'll like it.

Many of the things we do are just like gardening. Take getting a job. You had to prepare the "soil" and get it ready for planting. Once you got a job you then got paid with money.

The money you put in the bank was just like planting seeds. Your savings account began to grow, just like a garden grows from seeds to vegetables. And just like a garden, one day your savings account will blossom and be ready to be harvested and gathered together for use or consumption.

Savings is just what squirrels do. They put away acorns during the summer months, so that when the cold and snow of winter comes, they will have something stored to eat.

We need to save and store in the same way, to make sure we have something put away for the future. One day we might want to buy a new bike, or car, or house, or pay to go to college.

By saving our excess income we earn by working and investing, we accumulate what can be called a form of wealth. The money we save allows us to purchase things we need which are real forms of wealth.

It is very important for a person to save in their younger years for the future when they are much older, and not able to work any longer.

Because they can't work, they are not earning any pay or income. Yet, they still need money to buy food, clothes, and other things needed to live.

If one has saved and stored wealth over the younger years of their life, when they get older, they can now turn that wealth back into money or income. They can use the saved wealth to pay for their food, shelter, and clothes.

By savings and storing wealth, a person can plan for their future. They can feel secure knowing that they will be able to take care of themselves.