Family Living Focus Bob Thee Lancaster County Making Allowances Work Children aren’t bom knowing how to ride a bicyble, but they can learn. Neither are children bom knowing how to manage money. Nevertheless, there are many ways we can teach them how to manage money, and one very ef fective way is with an allowance. They can learn the value of money and how far it will go, they can learn to save, and they can learn to invest When you give your chil dren an allowance, keep in mind the goals you are trying to achieve. Young children can learn early that you have to pay for that candy bar or toy if you allow them to Maintenance Free Railings For Porches, Decks or Balconies We have the expertise to design & create a system just to fit your need. 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If you say you don’t have enough money for a toy they want they may tell you to get some from that machine that hands out money. Or maybe you should just write a check or use the credit card so you can get what they want Letting them see you make deposits into a savings or checking account as well as with drawals can help them understand the whole process better. One woman told me that one CLAIM YOUR BARGAIN SET OF 6 SOUP MUGS I 31 » V 31 31 SSO Retail Value With Basset or Sena bedding purchase only We Absolutely Have the Best Prices on Bedding BASSETT MATTRESS BOX SPRING , 1 i • Rcq Hf'l OUR CASH PRICE SPECIAL , 5129.95 V ( ' i SI 59.95 5219.95 , ' r■ i ' ' 5279 95 • ’ f n ?? 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He gathered the family around the table and counted out how much of goes to pay the rent and put that amount in one pile. He put in another pile the amount needed to pay the electric bill. He did the same for food, in surance, the car payment, and all the bther bills. When he was done, he showed them what was left for discretionary expenses. This pro vided a very visual way to show that finances can be tight. It can make it easier to explain why you cannot buy everything you might like to for your children. Although this could have been done with play money, using cash was more dramatic. To encourage savings, provide the younger child with a see through plastic container of some type. This will allow them to watch the accumulation of coins as well as to feel the weight Older children can put their money into a savings account at a bank and watch the interest grow. Around age five, you can start giving your children a small al lowance. Discuss what the money should be used for. At that age CATPLAPPER Lounger lL' 2* ~T F!eg Ret. $849 95 ffiraßv-"' Dealer Refusal you tay $249.04 Under Wholesale Can’t Beal l 200 to Sell Won't lasi' they should not be expected to buy their own clothing, for example, but they might use it for toys, gifts, or snacks. As they get older and able to earn money on their own, the uses of the allowance will change. How much should the allow ance be? This depends on the fam ily’s economic circumstances and value system, the age of the child, and the going rate among the child’s peers. Should the allowance be tied to performing certain chores? Chores are a responsibility as a member of the household. After all, who pays you as a parent for doing the cooking, cleaning, laun dry, home repair, car repair or de livering kids to activities? You do it because you are a member of the household. For the same reason children can be expected to do cer tain tasks because they too are a member of the household. Each member of the household has cer tain responsibilities. If you estab lish a payment amount for each specific task such as cleaning the bedroom, washing the dishes or setting the table, what happens if you ask the child to take out the garbage? You are likely to be Independent DMdbuior TM NEW HIGH T^ l [ $1 .00-A-Day Herbs Melt Fat Awav yPlus One Feel Great! k Mineral! Lose Weight! V THE REST OF OUR STQRt W For thousands of years the Chinese have used herbal remedies. Our product is synergistically designed to promote optimum health using natural ingredients like the . have seemingly always known about, igredients are all safe and natural. ' American Desert Herb, Gut , Ginseng, Bee Pollen, White Yf (Weidewinde), Bladder-wrack ' l osis), Gotu Kola, Licorice Root, >m, Astragalus, Ginger Root, Rehm; id Chromium Picolinate (300 Micro; tablets taken once a day). 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For big ticket items like a tricy cle that can’t be funded by savings out of an allowance, consider matching an amount the child saves. After their savings reaches a ccrtin amount, you can kick in the rest What happens if their allow ance runs out before the week does? Should you consider a loan? Maybe the first time this happens, but it should be accompanied by a warning that this cannot happen again. By giving an advance, you defeat the purpose of the child’s learning just how far the allow ance will go. The allowance is an excellent tool for teaching children about money management. And because children learn by example, it is a way to take another look at what you are teaching them by how you handle your own money. 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