BUT we’d rather have them deal with that at home when we can talk through things rather than out in the real world where debt is a huge problem and finance charges and credit cards can creep in and take over.
We have re-worked our zones now that we only have three at home, we have followed through with some consequences when things don’t get done (babysitting duty or just plain staying home on the weekend if you don’t get them all filled out), and we are going like gangbusters around here.
She’s lucky because she gets hand-me-downs and has also fit in the same size for what seems like ages.
But it was time to get a few things.
Although she turned twelve in January, she hadn’t really needed anything new. So as we made our way to the mall to get a little shopping in I told her I was sure glad she had earned some money through all her babysitting. It would come in handy since she had graduated to paying for half of her clothes.
Her face dropped a little. Clearly, paying for any part of clothes was not what she had expected to do with that hard-earned cash that Saturday morning.
But I was in awe once again, as I have been with each of my three older children, how our shopping changed that day. Claire at first showed me a whole slew of “cute” things. And it was magical how she weeded them out herself, asking about prices, excitement abounding when she realized something was on sale, etc.
She made some good choices that day, and was pretty pleased as punch with herself for handing over her cash to buy some things.
Ownership is magical.
Dave and I (along with our kids) are on a continual learning curve trying to figure out how to facilitate it in better ways. There are all kinds of twists and turns in this parenting gig. And we sure fail at a whole slew of things.
Sure, this girl (and all our kids) will/do mess up with their spending. And we’ll forget “pay day” now and again. And it won’t work like clockwork.
But right there on that little shopping trip I realized that it really is worth all the work and hoopla on this continual learning curve of trying to help kids manage money, figure out their 10-20-70 amounts, how to earn, how to give, and yes, how to spend wisely.
Even with all the fails and heartache, those golden moments make it all worthwhile!