We’re fast becoming a cashless society. Many of us pay for our shopping with debit and credit cards and check our balance on our mobile phone. While it’s quick and easy for us, it can be tricky for children to understand that we’re spending real money.

Taking children shopping is a great way to teach them skills that will help them manage their own money as they grow up.

Children can pester you by repeatedly asking for things or ignoring you when you say no. It’s normal for children to do this and have tantrums if they don’t get what they want — but it can be hard not to give in to the pestering.

Children who are better with money tend to have learnt these skills from their parents or carers. Giving your child the opportunity to spend and save from an early age allows them to develop the skills they need to make good choices about money now and in the future.

Pocket money is one way you can teach your child the value of money. It’s also a personal choice and you may choose to wait. However, evidence shows that giving children even the smallest amount of money regularly helps them learn how to manage money.

Throughout your life you’ll have lots of money conversations with different people. Some of these will be difficult, which can be stressful. Working out what you want to say will make it a lot easier.

You share your life with your partner, but not necessarily always the truth about debt and finances. Sometimes it’s hard to get a conversation about money started.

If you’ve missed more than one bill or debt repayment and you’re struggling, don’t worry – you’re not alone. We help hundreds of thousands of people with similar worries every year. There are lots of things you can do to resolve your difficulties, including getting free debt advice.