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Talk to wealthy people and you will find most have one thing in common - they know how to manage their money. And that means having a budget. Boring, right? It might sound tedious, but the reality is you won't get ahead without spending less than you earn.

We all know it – cash is no longer king. Australians now use cards more often than cash to pay for things. Understanding the value of money is an important childhood lesson, so as traditional cash nears extinction, how do parents pay their kids pocket money and continue to instil…