Pam is a mother of four kids, ages 8 - 17. She is a former school teacher and educational daycare director. Pam and her husband are the owners of MoneyTrail.net, a free online kids money and allowance management system for kids, teens and families. Kids and teens learn to track their allowance, cash, IOUs and gift cards. In the process, they develop responsible saving and spending skills. Pam also writes a blog for MoneyTrail and can be found on Twitter. Pam's children keep her busy with various school concerts and sporting events. She also enjoys walking, jogging and reading.