Have you ever met a kid with a “what’s in it for me” attitude? Do you have one of those kids? This week’s post can help conquer that attitude with an allowance system that teaches kids the value of money, encourages them to save for a goal, and helps them learn the joy of helping.
By the time kids are eight years old (and younger kids who are mature in their understanding of money), they are ready for a new allowance system. The “all or nothing” program that keeps things simple for younger kids just doesn’t meet the developmental needs of older ones.
The allowance system for 8 – 12-year-olds is based on earning beads for helping out around the house. Start by making a list of jobs needing to be done and by getting a small jar for each child and a supply of beads. Let the kids know that when their expected jobs are completed, they are invited to do additional jobs for beads. Expected jobs are the things they got allowance for when they were younger. In my house, the kids need to take care of the dog, keep their shoes and socks put away, and keep their bedrooms and shared bathroom clean. These tasks are expected to be completed simply because they are part of keeping a nice living environment for the rest of the family and because they help us maintain the value of our home (I sometimes have to remind my daughter that her bedroom carpet can’t be vacuumed until she puts away her toys and she doesn’t make enough allowance to pay for new carpet if hers wears out because it never gets cleaned). When those things are taken care of, they can move on to paying jobs.
Each bead is worth $0.25, and most jobs are worth one bead. I break them down into reasonable bites in keeping with the $0.25 price tag. For example, vacuuming the carpeted areas on our main floor is worth one bead, vacuuming the hardwood areas of the main floor is worth one bead, and moping the hardwood on the main floor is worth one bead. However, if someone does all three of these jobs, I am likely to throw in a bonus bead, because that is a lot of work! Other jobs worth one bead are cleaning all of the mirrors in the house, cleaning the counter, sink and toilet in a bathroom, or doing the dishes. Sometimes my kids will negotiate larger payouts for larger jobs. For example, washing my car will earn someone two beads. My kids will also negotiate “package deals” by asking how many beads they can have if they pick up, dust and vacuum the family room. I am always open to negotiations, but my kids also know that I have the final say on acceptable jobs and beads awarded.
My kids also know that I will ask them to do thing just to help out and that no bead will be awarded. If I have already bagged up the trash, I may ask one of them to take the bag to the garage for free, simply because I need help. Don’t let the kids feel like they need to get paid to do anything.
Once we started this system, I was happily amazed at how my kids began helping out more even when they weren’t getting paid. I think part of the change came from realizing that they were capable of doing more than they knew. Moms can help with this by resisting the urge to criticize their children’s work. Don’t expect them to clean the same way you would. They are not as strong or as tall, so adult cleaning supplies, especially the vacuum and mop, can be difficult for them to manage. Reward them for their effort and gently teach them techniques for doing a more thorough job next time. When kids feel successful, they are more likely to try again, even without a tangible reward.
This allowance system is also great for kids who are saving their money for something specific because it gives them control over how quickly they reach their goal. My house looks like a model home the week before a school book fair because my kids are frantically trying to earn as much money as they can. My oldest daughter is saving up for a new guitar, so as soon as her homework is done she gets busy doing jobs. I can tell when my kids don’t have a goal in mind because their jars sit empty for a week or two.
I pay allowance twice a month under this system, just like a paycheck. Payday is on the 1st and the 15th of every month. This payment plan gets kids ready for the next system they will have for earning money when they are teenagers. For more on that, check in next week.
Monday, November 15, 2010
Wednesday, November 3, 2010
Helping Young Kids Get A Handle On Money And More
First off, I appologize for neglecting my blog for so long. Thank you for faithfully checking back and for sticking with me.
Secondly, November is Money Month, so all this month we will talk about teaching kids to manage finances through different, age-appropriate forms of allowance. If your kids aren't in the age group discussed this week, check back next week for tips for 8 - 12-year-olds or the following week for tips for teens.
Thanks again for your continued support. Now, on to this week's post...
Parents often ask me what they can do to get their kids to pick up all of the stuff they leave around the house. In addition to toys, most kids leave a trail of shoes, socks, snack wrappers, juice pouches, sporting equipment, and other odds and ends all over the place.
Between the ages of 4 and 8, it can help to start giving them an allowance. In order for kids to learn how to count money, as well as how to use it, they need to be in charge of some. I recommend giving kids this age three allowance jobs. Make sure they are easy jobs the child can do independently. For example, my children’s first allowance jobs were to feed the dog twice a day, keep their shoes and socks either on their feet or put away, and keep their rooms tidy (remember to keep your expectation of “tidy” age appropriate).
It works well to keep your system simple – if the child does all of his jobs, he gets all of his allowance. If he doesn’t do a job, he gets no allowance. It is too confusing and too much maintenance to pay different amounts of money for different jobs. I recommend paying $2.50 a week. This comes to $10 a month which is plenty of money for kids this age.
When you pay the earned money, pay it in quarters (if you pay $2.50 a week, that means the child receives a very impressive stack of 10 quarters). Then, every night after dinner, have a short time of family cleaning. In my home, we simply call it “15 minutes.” For 15 minutes, everyone works at picking up the debris that accumulated around the house during the day, while I clean up dinner. On Sundays, after 15 minutes is up, I walk around the main living area of the house (not the kids’ bedrooms) and pick up anything left out. The items I collect go into a bag, where they stay for one week. The kids must purchase their things out of the bag the following Sunday for $0.25 per item (this is why you pay allowance in quarters). If they need something before the week is up (like their shoes) they may buy things early for $0.50 each. All items must be purchased from the bag by the end of the week and must be put away once purchased.
This system encourages kids to do their allowance jobs and keep their things put away. You can have your child use a chart to keep track of his work if you want to, although at this age it is generally easy to see if the work is completed or not. If you do use a chart, Target stores carry a cute magnetic one that has many common jobs already listed on moveable magnets, along with blank magnets so you can make up your own tasks.
If you have a great idea for encouraging your kids to pick up after themselves or for handling allowance, share it with us by commenting on this post.
Next month we will talk about handling allowance for 8 – 12-year-olds.
Secondly, November is Money Month, so all this month we will talk about teaching kids to manage finances through different, age-appropriate forms of allowance. If your kids aren't in the age group discussed this week, check back next week for tips for 8 - 12-year-olds or the following week for tips for teens.
Thanks again for your continued support. Now, on to this week's post...
Parents often ask me what they can do to get their kids to pick up all of the stuff they leave around the house. In addition to toys, most kids leave a trail of shoes, socks, snack wrappers, juice pouches, sporting equipment, and other odds and ends all over the place.
Between the ages of 4 and 8, it can help to start giving them an allowance. In order for kids to learn how to count money, as well as how to use it, they need to be in charge of some. I recommend giving kids this age three allowance jobs. Make sure they are easy jobs the child can do independently. For example, my children’s first allowance jobs were to feed the dog twice a day, keep their shoes and socks either on their feet or put away, and keep their rooms tidy (remember to keep your expectation of “tidy” age appropriate).
It works well to keep your system simple – if the child does all of his jobs, he gets all of his allowance. If he doesn’t do a job, he gets no allowance. It is too confusing and too much maintenance to pay different amounts of money for different jobs. I recommend paying $2.50 a week. This comes to $10 a month which is plenty of money for kids this age.
When you pay the earned money, pay it in quarters (if you pay $2.50 a week, that means the child receives a very impressive stack of 10 quarters). Then, every night after dinner, have a short time of family cleaning. In my home, we simply call it “15 minutes.” For 15 minutes, everyone works at picking up the debris that accumulated around the house during the day, while I clean up dinner. On Sundays, after 15 minutes is up, I walk around the main living area of the house (not the kids’ bedrooms) and pick up anything left out. The items I collect go into a bag, where they stay for one week. The kids must purchase their things out of the bag the following Sunday for $0.25 per item (this is why you pay allowance in quarters). If they need something before the week is up (like their shoes) they may buy things early for $0.50 each. All items must be purchased from the bag by the end of the week and must be put away once purchased.
This system encourages kids to do their allowance jobs and keep their things put away. You can have your child use a chart to keep track of his work if you want to, although at this age it is generally easy to see if the work is completed or not. If you do use a chart, Target stores carry a cute magnetic one that has many common jobs already listed on moveable magnets, along with blank magnets so you can make up your own tasks.
If you have a great idea for encouraging your kids to pick up after themselves or for handling allowance, share it with us by commenting on this post.
Next month we will talk about handling allowance for 8 – 12-year-olds.
Friday, April 30, 2010
Trapped in Home Office Hell (The Perils of Multi-tasking)
“..in all your ways acknowledge him, and he will make your paths straight.” - Proverbs 3:6
The idea of a home office is so appealing. There is a certain romance in the thought of listening for the washing machine to finish spinning while I type away on my latest book, knowing I’ll be home when my kids return from school and will have dinner on the table promptly at 6:00.
However, romance has never been a strong part of my reality. This morning, for example, I got my kids out the door for school, had a quick breakfast with my husband (who also works from home), then sat down to get a little bit of work done before heading out to my weekly writers group meeting. I had about 20 minutes to outline a talk I’m preparing, and told my husband about my need to be efficient with this limited amount of time. I had a busy day ahead, with no time for any laundry, cooking, cleaning, or shenanigans. Sweet home office image dissolved.
About seven minutes into my work, I heard my husband’s approaching footsteps on the stairs, along with his low chuckle. “I need to take you away from your work for five minutes, but it will totally be worth it.” How do you argue with that? He directed me to his facebook post containing a Southpark video about the perils of “friending” people on facebook.
How on earth could he possibly think that Southpark would be “totally worth” taking up 25 percent of my working time?
However, this situation is in no way unique. In fact, I could write about this every day by simply changing the distractions and those doing the distracting. I find that I can get house work, work-work, or what I call “people work” (relationship building) done in any given day. It is a rare day when my fantasy of getting “everything” done is realized. This morning, taking time for people work meant I didn’t finish my work-work. I didn’t even bother trying to tackle house work.
Somewhere along the line, our society got the idea that multi-tasking is a good idea. Ask any home office worker, or any mother, and she will tell you it isn’t true. When you try to do everything, you focus on nothing and excel at nothing.
I regularly have to remind myself of my priorities. When my head says, “The kids will be okay if you just write one or two more pages,” my heart admonishes me with, “You are a mother first. You can work again tomorrow.” In the end, the laundry does get done, the work deadlines are met, but when I skip or shortchange the people work, I never get those moments back again, and that time is truly lost. The moments spent in relationship with others are the meaningful times that I remember.
If you are also having trouble getting “it all” done, share with me so I know I’m not alone!
The idea of a home office is so appealing. There is a certain romance in the thought of listening for the washing machine to finish spinning while I type away on my latest book, knowing I’ll be home when my kids return from school and will have dinner on the table promptly at 6:00.
However, romance has never been a strong part of my reality. This morning, for example, I got my kids out the door for school, had a quick breakfast with my husband (who also works from home), then sat down to get a little bit of work done before heading out to my weekly writers group meeting. I had about 20 minutes to outline a talk I’m preparing, and told my husband about my need to be efficient with this limited amount of time. I had a busy day ahead, with no time for any laundry, cooking, cleaning, or shenanigans. Sweet home office image dissolved.
About seven minutes into my work, I heard my husband’s approaching footsteps on the stairs, along with his low chuckle. “I need to take you away from your work for five minutes, but it will totally be worth it.” How do you argue with that? He directed me to his facebook post containing a Southpark video about the perils of “friending” people on facebook.
How on earth could he possibly think that Southpark would be “totally worth” taking up 25 percent of my working time?
However, this situation is in no way unique. In fact, I could write about this every day by simply changing the distractions and those doing the distracting. I find that I can get house work, work-work, or what I call “people work” (relationship building) done in any given day. It is a rare day when my fantasy of getting “everything” done is realized. This morning, taking time for people work meant I didn’t finish my work-work. I didn’t even bother trying to tackle house work.
Somewhere along the line, our society got the idea that multi-tasking is a good idea. Ask any home office worker, or any mother, and she will tell you it isn’t true. When you try to do everything, you focus on nothing and excel at nothing.
I regularly have to remind myself of my priorities. When my head says, “The kids will be okay if you just write one or two more pages,” my heart admonishes me with, “You are a mother first. You can work again tomorrow.” In the end, the laundry does get done, the work deadlines are met, but when I skip or shortchange the people work, I never get those moments back again, and that time is truly lost. The moments spent in relationship with others are the meaningful times that I remember.
If you are also having trouble getting “it all” done, share with me so I know I’m not alone!
Friday, April 23, 2010
Wisdom in the Every Day
But wisdom is proved right by all her children." - Luke 7:35
A heavy, work-related decision for my husband has us both asking God for an increased measure of wisdom. Requests for insight, discernment and sound judgment fill our prayer times as we wait for God to give us direction.
I can’t help but notice that I tend to ask for wisdom when facing big decisions. However, as a mom, I make millions of little decisions every day that also require wisdom. Deciding on how to get nutrients into my kids’ mouths most efficiently and with the least amount of mess requires wisdom (and creativity). Leading my kids through their daily homework with a positive attitude takes wisdom (and patience). Deciding which friendships to encourage and which one to keep quiet about uses wisdom (and discernment).
I want to remember to ask God to be my guide in every aspect of my life, even the mundane, every day actions like making dinner. With an extra dose of His wisdom, I know I can do a better job taking care of my family.
In what areas of life do you need His wisdom?
A heavy, work-related decision for my husband has us both asking God for an increased measure of wisdom. Requests for insight, discernment and sound judgment fill our prayer times as we wait for God to give us direction.
I can’t help but notice that I tend to ask for wisdom when facing big decisions. However, as a mom, I make millions of little decisions every day that also require wisdom. Deciding on how to get nutrients into my kids’ mouths most efficiently and with the least amount of mess requires wisdom (and creativity). Leading my kids through their daily homework with a positive attitude takes wisdom (and patience). Deciding which friendships to encourage and which one to keep quiet about uses wisdom (and discernment).
I want to remember to ask God to be my guide in every aspect of my life, even the mundane, every day actions like making dinner. With an extra dose of His wisdom, I know I can do a better job taking care of my family.
In what areas of life do you need His wisdom?
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