If you haven't already, you're probably about to start holiday shopping. Have you talked to your children about the value of money and the importance of managing it wisely? All parents hope that their children will grow up to make prudent use of their money, yet few actually spend time talking to them about how to accomplish these goals, a new study has found. According to the American Institute of CPAs, parents are more likely to have talked with their children about good manners, smart eating habits, the importance of good grades, the dangers of drugs and alcohol and the risks of smoking than about sensible spending. The holiday season offers plenty of opportunities to educate your kids.

If you're not sure how to get started, the Oklahoma Society of Certified Public Accountants has this advice.

Turn it into a family project. Talk to your children about the steps you take to save toward long-term goals or to cut down on your expenses. You can involve them by giving them a grocery list and asking them to find coupons for items on it. Take them to the store and comparison shop, even if you have a coupon. Figure out how much was saved and reward them with a portion of the savings.

See another tip in news now tomorrow.