Whatever their ages, you can still turn your kids into super savers, savvy shoppers and cautious users of credit. The Author, A mother of three and senior editor of Kiplinger's Personal Finance Magazine, Has compiled an invaluable guide for parents who want their children to:

• -Understand how money works,
• -Distinguish wants from needs,
• -See through Advertising Hype,
• -Use an Allowance-or income-wisely,
• -Experience the Joys of Earning saving and giving,
• -Invest and Collect for Benefit and Fun,
• -Live within means,
• -Create their own opportunities for work and income
• -Living independently when the time comes,
• -Balance their priorities, school, work and Family.

Strictly for parents, Bodnar also offers advice on how to identify your "Money Style, " Set limits, and Reaffirm Values you want to share with your children.