Let’s set them up for success—before the school year begins.
We get it—back-to-school can bring more than just new backpacks and pencils. Between supplies, snack money, field trips, and the growing list of must-haves, it’s easy for spending to get out of hand—especially if your child hasn’t yet learned the value of a dollar.
At HopeSouth Credit Union, we believe building strong financial habits starts young. So before they hit the books, take a moment to teach your kid some real-world math—the kind that leads to confidence, independence, and financial peace for years to come.
Start with “Wants vs. Needs”
Explain that not everything they want belongs in the cart. Whether it’s name-brand sneakers or the 4th water bottle this summer, helping them sort wants from needs builds budgeting habits that stick. (Hint: Let them make a small list and rank what matters most!)
Make Saving Fun
Kids don’t want to hear about retirement. But saving up for a new bike? Now you’ve got their attention. Bring them by HopeSouth to open a Youth Savings Account—with as little as $5 to start, it’s a great first step.
Teach Them to Track
Let your child keep a small budget journal or use an app to watch their money grow. It’s a great way to get them excited about saving—and show them that when money’s gone, it’s gone.
Show by Example
The most powerful financial lessons are the ones they watch you live. Talk openly about budgeting, swiping smart, and using tools like online banking to track spending.
Back-to-School Bonus: Keep It Local
Help your kids see the value of community spending. Hit up the Abbeville Farmers Market, grab a treat at Court Square Market, or stop by Uptown Greenwood—where your dollars help neighbors thrive.
Financial independence doesn’t start at 18—it starts with $5 and a good conversation.
Let’s set them up for success now, so they’re not learning the hard way later. Come by HopeSouth and let us help guide your young saver—because hope starts early.
