Educate your child about importance of their social security number and how they have a right to keep it private. Also, take note of these tips to minimize credit madness:

•Most doctors, dentists and other medical professional offices like to have social security numbers for record keeping purposes. If you are asked for your child’s social security number find out why they need it, if you do not think that it is a viable reason, you can refuse to give it. Your child is not responsible for paying bill and they probably already have your social security number because you are one insured.

•If your child insists on getting latest free download (even if it is a kid’s site) give your contact information.

•Call The Opt-Out Department at 1-888-567-8688.You can have your family excluded for 2 years or permanently from all pre approved credit offers that use major credit reporting databases .

Above all, be as protective about your child’s personal information as you are with your child. Just like we teach our children to be cautious toward strangers, we need to teach them to guard their personal information equally as well.

4. Pack lunches and set out lunch money.

5. Have everyone prepare his or her briefcase, backpack and purse, and place them by door.

6. Install a key hook by door and make sure your keys are on it.

7. Keep TV and radio off (unless you have a small child, then it can be a much-needed sitter while you get dressed). They're too distracting and can cause you to run late.

8. Let answering machine pick up phone. You can screen calls and only answer truly important ones.

Have a stress-free morning tomorrow!