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It’s never too early to introduce money skills to children – but how should we be talking to young girls about finances? After all, the gender pay gap is no myth. Among full-time employees, the median hourly pay was 8.3% less for women than men in April 2022, according to the Office of National Statistics (ONS). It impacts pension saving too: a report published by the Institute for Fiscal Studies (IFS) earlier this year found that across all working-age people, women had average total annual pension contributions of £2,600, compared with £3,400 for men. Women are also less likely to invest. In a survey of 6000 UK adults in 2022, Boring Money estimated that only 40% of investors are women. Alexandra Loydon, director of partner engagement and consultancy at wealth management company St. James’s Place, points out that the “financial services industry has traditionally not targeted women”, adding that there is “an opportunity for the industry” to change this. There are also lots of systemic factors that form an important part of the picture, especially in terms of equal opportunities, pay and maternity/paternity leave. Alongside this though, how can parents and guardians help by talking to young girls about money? “We should be encouraging women to engage with their finances from a young age, and save more when they can and if they can. We should ensure that women take advice, put a plan in place, set goals and don’t touch their long-term savings to help build their wealth over time,” says Loydon. Zoe Brett, financial planner at EQ Investors, agrees that “financial literacy needs to start at school age”. Here are three key things to think about when talking to young girls about money… Encourage them to negotiate “We should be instilling and encouraging women to not be afraid to ask for pay rises and promotions. Statistically, women are more likely to not go for jobs if they do not meet all the requirements [compared with men],” says Loydon. So, how can you model this early? “If rewarding good report card or exam results, ask them to tell you how much or what that achievement is worth and why,” suggests Brett. “Or if paying pocket money, then ensure they are earning it with chores and do a pay review each year, where you ask them to make a case for a raise in pocket money.” Teach them basic money language Introducing them to money management concepts can be incorporated into family life. “We often see children’s chores as mowing the lawn or doing household duties, but how about implementing something more financially orientated, like helping with a weekly shopping budget?” suggests Brett. Done in a positive, age-appropriate way, this could help them become familiar and confident with some basic money language. “Being open and discussing finances during family dinners can also be helpful – children are naturally inquisitive and will likely ask questions or at least passively soak up information,” Brett adds. “For something more structured, there are online courses aimed at teens that teach money basics, or even just following a decent financial influencer on social media can be a great way to teach.” Encourage saving for things they want Saving is an important life skill and instilling this early can empower children with a sense of independence around personal finances and earning power. “If I wanted something, my mum would tell me to save up half the cost of it, and she would pay the other half. It taught me to only spend my money on things I truly wanted. If I wasted my money on sweets, then I simply couldn’t have that new toy I wanted,” Brett recalls of her own childhood. “I didn’t realise it at the time, but every time I put money into my savings account, my mum would double it. This lovingly sneaky little trick gave me an early lesson in compounding and made me want to save more, because I could see my savings growing, it was a real sense of achievement.” Of course, not all households will be able to do this, especially when living costs are stretched. But teaching girls how to save, however possible, is so useful. If you are in a position to do so, Brett suggests: “Open a savings account early on and give them autonomy for that account, with a little guidance along the way. Encourage them to put 25% of their pocket money, earnings, or birthday money into the savings account… Encourage is the optimal word here, enforcing it could lead to resentment and rebellion,” she adds. Read More Charity boss speaks out over ‘traumatic’ encounter with royal aide Ukraine war’s heaviest fight rages in east - follow live STI cases at record highs: 6 things everyone needs to know about sexually transmitted infections What’s wrong with my roses? Men’s Health Week: How to talk about sensitive or ’embarrassing’ health issues

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When you think back to Made In Chelsea’s heyday, it seemed to be all champagne, kisses, debauchery and parties. But Georgia Toffolo, 2017 Queen of the Jungle and close pal of Stanley Johnson, says she often wasn’t drinking champagne at all. “We were always photographed with glasses of champagne in our hands, but mine was normally a non-alcoholic version,” the 28-year-old explains. “I don’t know whether people really know this.” At that time, the nation’s relationship with alcohol was in the spotlight, and how well we looked after our wellbeing became more important. Things began to change around her, says Toffolo. “People became more aware of their habits – both negative and positive. And as I was in my early 20s, I was able to ride that wave. “My attitude to wellbeing has changed hugely. I try to get balance and moderation, which is a constant battle, whether I am looking at how I eat, drink, work, or exercise. In my early 20s, it was so manic and I tried to work all the hours God sent, so the theme of my mid-20s has been trying to find moderation,” she explains. That moderation has become pertinent to her drinking habits. “I am a mindful drinker. I have been drinking since I was 18, but over the past three years, I have really tried to be more mindful.” She’s not the only one. According to new research by Harrogate Spring Water, 61% of adults are intending to try drinking in moderation in the coming months – a campaign Toffolo is supporting by debuting a new 0% summer cocktail, The Royal Raspberry Spritz, at Royal Ascot on Tuesday, June 20, at The Harrogate Spring Water Mindful Drinking Bar. A lot of people, Toffolo says, “are interspersing alcoholic drinks with non-alcoholic drinks, which is exactly what I do. “Ascot is like my Christmas. I go every day of every year but it can be a really long week,” she explains. “People go racing for so many different reasons, but you want to be on flying form. I drink loads and loads of water, feel super hydrated and feel great the next day. I spruce it up with a bit of basil or elderflower.” And because she sticks to mindful drinking, hangovers are a thing of the past, says Toffolo. “It doesn’t feel like it’s a chore, it doesn’t feel like I am losing out on anything, it is a gift to yourself. My mindset and my relationship with alcohol is so much healthier.” Read More Charity boss speaks out over ‘traumatic’ encounter with royal aide Ukraine war’s heaviest fight rages in east - follow live Should you sleep naked? Heatwave myths debunked 7 hay fever hacks to ease your symptoms this summer The pests you really don’t want invading your garden and how to deter them

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