(KRT) -To understand where your child gets his or her ideas about money, look at your own behavior first.

The GE Center for Financial Learning reports that 71 percent of kids say they learn about money from their parents.

But the same survey found that 45 percent of kids say their parents seldom include them in discussions about money.

In her new book, “Money Still Doesn’t Grow on Trees,” author and former banker Neal S. Godfrey quizzes parents on their money habits.

Ask yourself these 9 questions to find out what money messages you’re sending.

n If your child asks for money, do you fork it over? Do you give money in response to nagging or wheedling?

n Are you afraid to say, “This doesn’t fit our budget”?

n Do you feel your kids must have what other kids have?

n Do you make sure your kids are out of the room when you sit down to balance the family budget?

n Do you forbid your kids look at the check when you go to a restaurant?

n Do you use credit to buy things for your kids when you know you shouldn’t?

n Have you ever spent money on your kids without letting your spouse know?

n Have you ever bought something for your kids because you didn’t want your former spouse to be the one who bought it for them?

n Do you use a shopping trip as a reward?

Godfrey writes that even one “yes” answer means you may be inadvertently teaching your children poor money management.

For resources to teach your kids about money, visit www.practicalmoneyskills.com or www.financiallearning.com.