MyBrilliantKidz

Multiplication tables are one of those things which everyone has to learn. multiplication tables are traditionally things that have been learnt a certain way over the years. People know they can learn their Multiplication Times Tables, but these are taught to us in a rote fashion, and to get them right takes a long time and a lot of effort.

This means learning a multiplication table is slow, unproductive, and involves too much thinking, as we are taught them in a linear fashion, for example–

Schools still learn as

1 x 2 = 2
2 x 2 = 4
3 x 2 = 6

By reading or saying your times tables out loud repeatedly, or using some another form of repetition.

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In this sixth lesson in the Smart Consumer Skills Guide for Brilliant Kids series we ask you to explore debt and how good you really are with debt. In the last lesson, we gave 5 questions to ask yourself when spending. Debt is extremely important to understand and master. It can help in providing you with a great lifestyle, or can end up being a chain around your leg. It can ruin the rest of your life if a healthy respect is not given to it – it is a double edged sword, which unfortunately most of us do not understand.Debt is something that you will come into contact with sooner or later – the truth is that you need debt to live today – it is a fact of life and you need to be able to deal with it. The world economy functions when money is moving around it. Stop or disrupt that flow and people’s lives are affected by changing prices, changing interest rates, changing availability of goods and services. Debt is used to help money flow around more freely and quickly. It is readily available to all.

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In the last lesson we asked how good you really are with your money, and looked at the 5 components you need to understand to be good you’re your money. In this fifth lesson in the Smart Consumer Skills Guide for Brilliant Kids series we look at what you need to be doing to helping curb that impulse buying resulting from good and clever marketing.

Remember only you are responsible for making the decisions to buy or not. No-one else is responsible for this. So take this responsibility seriously and let’s have a little fun. Before you spend, you need to do some thinking and analysis, by asking a series of questions to help you take the emotion out of the decision and decide on a more objective basis.

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In this fourth lesson in the Smart Consumer Skills Guide for Brilliant Kids series we ask you to explore this question and make an honest judgement. In the last lesson, you learnt about how companies persuade you to buy, here will look at you and your habits.

Are you Good With Money?

When you ask people this question, many will say yes. Their reason will invariably be something like “I try and save, not spend, when I get cash”.

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This is the third lesson in the Smart Consumer Skills Guide for Brilliant Kids series. In the last lesson we talked about how to turn the tables on companies who like to make money from you. In this lesson we will talk about how companies persuade you to buy.

If you can understand this, you will able to recognise this and know how to stop it from controlling your thoughts, impulses and emotions – this is what they appeal to in order to make you buy. Companies do not really sell anymore; instead what they do is “pre-sell” i.e. to put you in the comfortable state of mind to make the buying decision easier by making it look like your own decision.

How do they do this? The large companies always show a perceived problem or issue, or a desire that is not being fulfilled, then show you how good the solution to this will make you feel – the solution being their product. Once they have got this message across to you by advertising in the papers, magazines, on television and radio, the rest is about strategically placing the products to get the maximum number of eyeballs on their products.

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