Dear parents of young teens or just parents in general, don't start talking about how money is tight and how it is your child's fault whilst they are talking about something they like. It can really upset them and make them feel like it's their fault which can lead to...grave consequences. It honestly does not help and it makes your child not want to share good stuff woth you. It also makes your child worry about money a BUNCH. They can - and will - start saving up lots of money from things like chores and offer it to you when you seem like you need it. They will learn to check the price on everything you might get. Most of the time, they may also refuse anything for their birthday just to save money. It pains me to see children who can't have a cake to cut on their birthday, or get a nice present, or new clothes, or anything of the sort. So, please, while it is a good idea to teach your child about money, maybe don't blame it on them for money being tight.