I used to think it was just my bank that was annoying to work with and seemed to make their processes so ambiguous they could charge you fees for seemingly nothing. After speaking with more people about their banks though and it appears it’s just status quo.

The Zopa website lets you avoid all the official banking institutions and borrow money from the people you may not know, but you probably trust a little more. The reason you trust them is because they’re just like you. Average people online that have a generous spirit about them.

Social Lending is a smarter, fairer and more human way of doing money. It’s like borrowing and lending with your friends and family – except there are thousands of people you can lend and borrow with.

Zopa currently is established in four different countries: Zopa Italy, Zopa Japan, Zopa UK and Zopa USA. It looks like most of the other locations are a little bit more established with networks than the Zopa USA site.

Uncover a new way to loan and borrow money and help your fellow man. Visit Zopa and learn more about how it all works and leave those banks behind.

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1. Teach them how to not make the same mistakes that I have as a child, teenager, college student and now an adult.
2. Teach them how to be flexible and understand how to adjust what they know and learn to the current financial situation.

I came across this article from GreatSchools entitled "Smart Money: Seven Ways to Raise a Financially Literate Child".

Some of these items may be obvious, others may share a nugget of additional thought or detail that maybe you haven’t thought about until this point.

1. Encourage a work ethic
2. Get your money stories straight
3. Facilitate financial reflection
4. Become a charitable family
5. Teach financial literacy
6. Be aware of the values you model
7. Moderate your extreme money tendencies

Be sure and read the entire article for all the details and strategies on how to raise your child to be financially smart.

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