UNDATED (KTHV) -- Linda Tucker of the Consumer Credit Counseling Service was a special guest on Today's THV at 6:30. She offers expert advice on the touchy subject of kids and money.

Kids and money. This relationship offers special challenges to parents. Linda Tucker, of the Consumer Credit Counseling service, offers valuable advice on the subject. It begins with an allowance. She says to start small, and as the child grows, at some point parents should institute the rule of thirds.

Simply put, a third of their allowance should go to charity, a third to savings, and a third to whatever they want. It's a form of discipline that kids should learn early.

Linda also says that kids should get paid for work around the house, but it has to special, above and beyond every day chores. You don't get extra for simply making the bed or doing homework.

She insists that husbands and wives be on the same page. It's easy for kids to play one against the other.

And finally, kids should understand the basics of money; that you only make so much and that debt should be manageable.

Linda is a stickler for discipline and planning and there should be a rule: NO ADVANCES. Try at all times to stay away from instant gratification.