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web-iStock_000025411832LargePosted by nerdwallet on July 25, 2014 by Lindsay

If you’re trying to raise money-smart kids, providing a good model for them to follow is one of the most powerful things you can do. But setting a good credit example is tough – after all, teachable moments are hard to come by!

Don’t worry: The Nerds identified a few opportunities to teach your kids about building credit that you may not have thought of. Take a look at the details below and get started today!

1. When you’re filling out the family’s monthly calendar

To help keep track of schedules and activities, most busy families have a calendar that’s prominently displayed somewhere in the home. It might sound strange, but the monthly task of filling out the calendar is a great time to teach your kids an important, credit-related lesson.

The next time you’re marking your calendar with soccer practices and piano recitals, think about adding in the due dates of your monthly bills. Then, follow through with crossing off each as you pay it. This will show your kids that making timely bill payments is an important priority. Since payment history makes up 35% of our credit scores, the example your kids will take away is likely to have a big impact on their future credit scores.

2. Swiping your credit card for a big purchase

The next time you’re using your credit card to buy a TV or a home appliance, use your card. Use this as a jumping-off point to teach your teen about the importance of spending responsibly with credit cards.

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