Michelle Rohr, creator of The Secret OWL (obsessed with learning) Society blog, created this cool poster that shows the 7 Baby Steps in Dave Ramsey's Financial Peace University course. She cleverly adapted step 5 (Save For Your Children's College) to her lifestyle & named it Personal Development Funding - luv that!! Check out her website for other great personal development printables & blog posts.
Show your kids this amazing comparison chart to illustrate the power of starting early when it comes to investing. Then open a Roth IRA as soon as they earn W2 income. (See: http://blog.famzoo.com/2011/04/pave-road-to-retirement-for-your.html)
If you want a budget but do not know where to start google, you tube, and/or pintrest search DAVE RAMSEY!! He has a financial plan that works and is easy to keep up with! how to buy insurance, insurance buying tips