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teaching kids to work

Everything I need to know I learned at McDonald’s. Or Subway, as the case may be.

March 3, 2021 by sueboo

Almost a year ago, we told our eldest daughter she needed to get a “real” job. You know, a typical teenage gig at McDonald’s or something.

She had been teaching piano for almost two years out of our home, for which I was incredibly proud. And, heaven knows it pays far better than any fast food position.

However, there are some things one can only learn from a minimum wage job. The first being that one should develop a trade and get an education so that s/he is not relegated to minimum wage for the rest of one’s life.

Our biggest reason for wanting Anna to experience this rite of passage in life, however, was not necessarily typical. We just wanted her to do it because of how terrified she was of the entire process.

You see, Anna is pretty amazing at a whole lot of things. She excels in school (straight A’s for her entire school career), she’s an excellent test-taker (35 on the ACT, anyone?), she commits herself to living with integrity, she is a wicked good musician… I could go on and on.

And while I am SO proud of her and the fact that she strives for excellence in so many areas, I know that we build resilience by stepping out of our comfort zones. And one thing that is NOT comfortable for Anna? The art of applying for a job in customer service. And then working one.

There was no coercion. (It took her a year, after all). Just an explanation of the life skills she’d glean from the experience. And…a pulling of the plug on all financial support for extra-curriculars and such. Just so she could feel a little pinch.

And now she has a job at Subway. Her first few shifts were rough and she wanted to quit. But I held my ground and told her she could quit only if she had first secured another job.

It’s strange, but I’m almost more proud of her for this accomplishment than I am that she got a full-tuition scholarship to BYU. Why on earth? Because of how desperately hard it was for her.

Then, after a six-month stint making sandwiches, she’ll be well-equipped to apply for another “real job” working at BYU laundry. Or something like that.

The future is bright, Anna. The future is bright.

Posted in: Everyday life Tagged: Anna, parenting, teaching kids about money, teaching kids to work

Today’s win in teaching kids financial independence.

January 6, 2018 by sueboo

Most days it’s easy to feel inadequate as a mom.  I am well aware that I fall short in SO many areas.  I try not to beat myself up about my shortcomings but instead set goals to improve.  Other days I am on top of the world because I can see my strengths clearly.  And, I can see how those strengths are being passed onto my children.

One of those strengths is financial independence.  That probably sounds funny coming from a mom who is completely dependent on her husband for all temporal needs.  Although Tim brings home the bacon, I make sure we aren’t throwing it away.  And I do a pretty good job at it.

So it stands to reason that I would hope to impart some of that prudence in financial matters to my children.

Kids definitely come out of the womb a certain way, though.  Of my four daughters, I can easily identify the miser, the spendthrift, the coveter, and the industrious one.  While accepting their innate differences, it is my job to shape them into successful humans so I start early in helping them learn financial independence.

So imagine my joy today when my oldest (who is fourteen) creates a flyer to advertise piano lessons then asks which of my friends might have interest in signing their kids up for said lessons.  Music to my ears – pun intended.

Why is this such a breakthrough?  Because I’ve been grappling with how to get this very daughter (the miser of the bunch) to discover that she needs money – more than we provide, that is.  I was starting to wonder if, despite our best efforts, we were actually spoiling her.

As parents, we’ve done a lot to create a solid foundation in financial matters.   First and foremost, we’ve tried to model financial savvyness.  And, we’ve included them in deciding what “extras” they would like to forego to make room in the budget for other “extras”.  For instance, our last family vacation was an inexpensive nine-day camping trip to make a long-distance trip this summer possible.

We also began early, by not giving into the “gimmes” during every shopping excursion.  We’d politely remind our children that they could always ask for those items (that they absolutely could not live without at that particular moment) for birthdays or Christmas.  Or pay for them with their own money.

We built upon that by providing opportunities for the kids to help out around the house.   They earned a somewhat meager allowance with which to purchase “wants” and had ample opportunities to increase that income through additional chores.

We created milestones at different ages, ones that force them to consider the cost of the things they might take for granted.  For instance, at age 13, each child opens a checking account and is provided with an allocated amount (deposited quarterly).   They use this budget to pay for clothing, primarily, but also birthday gifts for friends, outings with their buddies, etc.

It hasn’t been easy to tell our kids “no” as often as we have.  Keeping up with the Joneses is a huge temptation when your kids are constantly reminding you of all the things their friends have that they don’t.   (I never fall for that argument anyway because I doubt the veracity of it).

I can easily console myself with the paid-off mortgage, a growing retirement fund, and ample college savings accounts.  But I’d be lying if I said that the buffetings of kids’ complaints and the restraint of making them “want” for things has always been easy.  Some days I just want them to thank me for being the prudent mom I am, for making them work to obtain the things they claim other kids’ parents give them without anything in return.

They haven’t thanked me yet.  And I expect they will continue to ogle the possessions of others with a bit of envy.  But, underneath it all, they’re learning.

For Anna, I think the kicker came this year when her friends invited her on excursions for which she asked me for spending money.  Each time I reminded her that she has a budget for those sorts of things and that if she feels it’s not quite enough, she can always find a way to earn more money.

Every time I gave the kids a list of household chores for which I would pay them, I couldn’t help but be disappointed when none(or just one) of them took me up on the offer.  Yet each time I had to say no when my kids would ask for something they “really, really” wanted, I was more than happy to remind them that they had turned down the opportunity to earn extra cash.

Our children aren’t going to become industrious creatures unless they see a need.  And the trouble with having an ample income is that it is so easy to meet all their needs.  Because we can!  But we shouldn’t.

Someday they are going to be on their own (Tim will make sure of it – no basement-dwelling young adults in this house!).  I hope to not do them a disservice by lavishing them with unnecessary stuff just because we can.

And today I saw some real fruits that what we’re doing is working.  Maybe we’re doing something right after all.

 

Click here for a printable list of tips to teach kids financial literacy.

Posted in: Charts and systems, Everyday life Tagged: teaching kids about money, teaching kids financial independence, teaching kids to work

Our family chore system defined.

December 19, 2016 by sueboo

A family chore system that has worked for seven years running.

I was just talking to a friend tonight who just had just gotten back from a visit with extended family.   Someone in that family had made mention of the cleaning service they employ on a regular basis, a subject with which my friend’s daughter was unacquainted so she asked her cousin, “Cleaning service, what’s that?”

To which her cousin replied, “Wait.  You mean you guys don’t have someone come clean your house?”

“Um, no we clean it,” was her response.  Later that day she thanked her mom for teaching them to work around the house.

Now, I realize that very few people who hire outside help to maintain a household fail to teach their kids to participate in chores.  Still, the important thing to remember is that our kids are best served when they feel a sense of ownership and responsibility.  Which is most easily acquired as they care for their living environment.  Here’s where the family chore chart comes in.

(Disclaimer: results may vary and there should be no, I repeat, NO expectation that your offspring will thank you for your efforts to shape and mold them into contributing human beings).

Chore charts come in all shapes and sizes.  I’m sure we tried every single one of them before finally settling on what worked for our family.  It looks a bit like this:

The first part are self-maintenance chores – things like brushing your teeth, making your lunch, cleaning your room, etc.  These are daily responsibilities which must happen BEFORE any playtime can happen or special requests made.  At the end of the day, if each of the children completed all their tasks without a bajillion reminders, they get a big magnet.  If they completed them with a bit of arm-twisting, they get a medium magnet.  A small magnet if they didn’t care enough to try.

At the end of the week we tally up their score and award one token per point they earn – big magnets are worth +1, medium = 0 and a small magnet gets you -1.  Sunday is our day of rest so they can earn up to 6 tokens per week.  Which pretty much never happens, but we don’t demand perfection around here.

Tokens can be traded in for rewards including screen time (because yeah, there’s no such thing as free screen time on weekdays around here), extra dates with mom or dad, and other fancy stuff like yarn or coloring books or candy.  The beautiful part is it actually works – we’re going on seven years of rockin’ this system so I’m calling it a keeper.  And all for the low price of a magnetic whiteboard calendar, colored magnets and a fancy shmancy Excel spreadsheet assembled by yours truly.

Do they get paid for any of these chores?  Not exactly, unless you consider tokens valuable currency.  These are just expectations for being part of the family, living here rent-free and enjoying all the other perks(dance lessons, sports teams, and the like) that would otherwise feel like entitlements.

Self-maintenance does not keep an entire house clean, you say?  You’re absolutely right.  Enter part two of our beloved chore system: the family chores.

chore chart

We post this laminated spreadsheet to our refrigerator and rotate chores every month.  Each kid gets a number and everything associated with that number for that particular month.  The first two rows are daily chores and the rest are done once a week on Fridays.  During the summer we add a few responsibilities, including outside chores on Saturdays but this is how we get the job done, in a nutshell.

The beauty of this is two-fold:

  1.  Each kid gets an entire month to perfect their form on a particular task.
  2. They can’t really complain about so-and-so doing more or less than they, because eventually they will ALL get a turn with the less-desirable tasks.

As a side note, I try to even the chores out so that no one can justifiably lament having to do one set of chores over another.  For instance, pretty much all of the kids despise being number 2, when it comes to sweeping the kitchen floor after dinner every day.  But, when Friday rolls around and number 2’s  weekly chores don’t involve scrubbing any toilets, they are thanking their lucky stars.  Everyone’s happy.  As much as one can be while dealing with dirt.

If you want to tailor this chart to your own family needs, feel free to use this template.  It’s a jpg so you can print itat any size you please.

Still, we do provide an allowance,  An allowance which is paid monthly and which is loosely(okay, strictly) tied to the completion of one’s weekly chores.  They get $1 per year of age, so $12 for a twelve-year-old.  They are paid on the first Friday of the month (if they complete their chores, that is).  Each Friday thereafter, they can earn bonus bucks – $1 the second week they complete their chores on time, $2 the third week, $3 the fourth week, and $4 if they’re lucky enough to have five Fridays that particular month.  We like the incremental way of paying them because it makes each week count.

For instance, let’s say 12-year-old Joe completes his chores on the first Friday of February, doesn’t on the second week, and then finishes off the month with two weeks in a row of completed tasks.  He would receive $12 for the first week (nothing for the second week), then $1 for the next week and $2 for the last for a grand total of $15 that month.  If he had completed his chores all four weeks of the month he would have gotten $12 for the first week, $1 for the second, $2 for the third, and $3 for the fourth.  In a four-week month, his maximum potential earnings are $18.  Consistency pays off.

If anyone wants to do anything above and beyond self-maintenance chores and family chores, we have paid chores.  These include things like washing windows, cleaning the car, or scrubbing down mom and dad’s shower, my personal favorite.

Self-maintenance chores.  Family chores.  Paid chores.  Got it?  It’s a thing of beauty, I tell you.

Posted in: Charts and systems Tagged: chore chart, chore system, teaching kids to work

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