text:  and so one thing that i really feel is very important when talking to our kids about what they would like about what we might buy for other people is to use this as a teachable moment to discuss spending savings budgeting and i think it's really important to have that you know there was one time that i was talking to someone and she says yeah i have for my kids a bank where i save a bank where they can spend and a bank where they donate and i thought that was such a great idea so