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
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hand the money to the cashier.
Kids may assume that money is
something that comes in an unlim
ited supply from a bank. If they
only see you making withdrawals
at the ATM machine, what should
they think? 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
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day her father brought the pay
check home in cash. 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
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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
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asked how much you will pay.
And it may not be enough to tear
the child away from a favorite
television program.
Other tasks may be beyond the
basic responsibility as a member
of the household. Help with paint- 1
ing the house or some other spe
cial project may warrant some
type of additional pay.
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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