Our own children are all adults now, and they are not around the house when we're having conversations about money issues anymore. But, there were definitely many conversations our children overheard in years gone by, especially as younger kids. Our decision to have one parent stay home with the kids and make do on one income meant there were many tough discussions about budgeting and what was a necessity and what we could go without. Although we were aware of having real

Many years ago now, my then 3year old son was asking me to buy him a treat. I explained to him that I had no money and he promptly asked...