The Next Generation
Posted by Gail | Filed under Money Management
People keep telling me that young people need a better education when it comes to money. There’s a lot of noise about incorporating financial stuff into school curricula. There’s a fair amount of squabbling about what should be taught, by whom and when. Overall, nothin’ much is changing.
Why?
Well, young people like being carefree about their money. After years of being broke, having some change means buying all the stuff they had to defer while they were poor students. Or maybe, because they are poor students, there’s a sense that debt is inevitable. Sure seems that way for parents. And you know what they say, “The apple doesn’t fall far from the tree.”
Hmmm.
That’s you they’re talking about there Ms. Apple. It seems you’re destined to walk in your father’s footsteps, to make all the mistakes your parents made with their money, to end up just like ‘em. How are you feeling about them apples?
Or you could do it differently.
But that would mean figuring out what to do.
And that would mean being conscious about how you deal with your money, instead of letting it slip through your fingers like so many mommies and daddies did.
You can climb on the consumer bandwagon and, like your parents, put style before substance. You can ignore common sense and shop using credit like there is no tomorrow. Hey, you can do anything you want.
Including…
- Deciding that life is to be lived, not to be spent paying for stuff that keeps you on track with the If-you-don’t-have-it-you’re-not-cool crowd.
- Choosing to use money to make dreams into reality instead of buying more crap.
- Opting for awareness instead of blindly following the path of the latest (and soon to be forgotten) trend-setter.
You can choose the path your parents took, consuming yourself to debt. Or you can carve your own path.
It’s your life. You decide.
January 31, 2012 at 7:46 am
I would just like to say thatthis apple has always strived to not be restricted by debt like my parents had, and life is working out well for now!
I paid off my student loan in 2.5 years, have built an emergency fund, contribute to RRSPs, have all my money saved up for our upcoming wedding and honeymoon in August, am able to travel every year (cheap vacations, sure, but it’s a Vacation! Something we never went on as kids!)
And all this while earning less than 35k in a major city. I can absolutely say it’s possible, but it requires dedication and making decisions for what matters in your life. Wedon’t havea fluffy pet, because I am not prepared for those expenses, much as I love dogs. We have a lot of hand me down furniture, instead of going out and buying things as we see pictures of thijngs that will look nice. We don’t eat out as often as we might want, we don’t buy new things (clothes, electronics, etc) unless what we have is worn out / broken.
My mom doesn’t understand the point of saving. I had mentioned that my savings were growing well, but had been lamenting over the double bed, and her response was, “well use some of that money you’ve put aside for a bed then!”. But that money already has a destination – emergency fund, rrsp, downpayment, wedding, and honeymoon. I’m not interested in changing thehoneymoon now, just so we can get a bigger bed! We have been saving up for the past year and a half for the wedding and honeymoon!
January 31, 2012 at 8:10 am
Emma congratulations!
When I first moved out after university, I had hand me down furniture from friends of my parents who were downsizing or decluttering. I had second hand furniture culled from ads in the paper (no kijijji at the time!) and built up good furniture over time. Most of the fun of being out on my own for the first time was the odd eclectic mix of furniture I had and trying to pretty it up so it didn’t look so old. Now, with retro back in, I kind of kick myself for getting rid of it….not…
I have been following the whole “teach finances to kids in school” saga. In Ontario they’ve made it part of the curriculum but parents should be a little concerned about the undue influence the banking and mutual fund sector have had on developing the curriculum. I’m not sure it’s a wise idea to teach young people about investing in products that have outrageous management fees (among the highest in the world) that can eat up half the value of your investment over a lifetime. I also don’t think they’ll be telling kids about how volatile investing in the stock market is and you could be working to age 70 to make up for the losses you incurred in a stock market correction at age 61.
To me, having banks and mutual fund companies help develop curriculum about investing is like having Macdonald’s or Burger King develop curriculum about nutritious food. You get the situation like just occurred in the US – where intense lobbying from the fast food industry prompted the sheep in the US House of Representatives to declare pizza and french fries vegetables, thereby meeting government nutritional guidelines for school lunch programs.
January 31, 2012 at 8:56 am
@MP3,
That’s because the parents and teachers and administrators all get THEIR financial educations from the nice lady at the bank (TNL@TB). Of course they are going to turn to them for advice.
I’ve been humming and hawing about teaching a 6 week mini-course for the kids at my art school. Cover budgeting, credit cards, savings, etc. Everytime I see the horrible job banks and governments are doing, it gets me a little closer to offering the class. If I do, I let you guys know how many parents sign their kids up. I’ll keep the fee nominal, say $30 per kid to cover room rental and supplies.
January 31, 2012 at 9:13 am
I grew up on a farm, where my Dad had to also work off the farm to make ends meet. My mom stayed home. Dad always saved money, and only bought things with cash – and never had a credit card. I learned that in order to get by in life, you had to work hard for your money and put some away for a rainy day (thanks Mom and Dad). Now, we only have our mortgage and car loan (0% interest) to pay off – nothing else. My daughters are learning that if you want to buy something, you have to save for it. However, it really bugs me sometimes when I see friends whine about how they don’t have any money, and they have the latest cell phones, TV’s, ATV’s, etc., yet, wonder where their money goes. I just talked to an acquaintance who said she tried to buy her daughter new boots, but after all three of her credit cards were denied, she figured she’d wait and get them next pay day. OMG!!! I see kids 8 years old with cell phones, lap tops, iPod Touches, etc., and when my kids want the same stuff, I have to explain that they will have to save up for it. Wonder how many of those kids with the toys will have major money problems when they get older. Very sad to see all the stuff that people really don’t need.
January 31, 2012 at 9:14 am
Interesting! My parents did everything right – they’ve sustained themselves independently through the last 23 years of their retirement, never had debt beyond a mortgage that was fully paid by the time they hit 55.
However, I did everything wrong. Having a great role model wasn’t enough because they never taught me what they were doing and how. As a result, when I got out on my own with my first real paycheque, I didn’t have a clue what to do with it. It took till I was in my early 40’s to figure it out. My hubby’s experience was similar. Finally, we’re on track, thanks to Gail’s advice and we are not only modelling good finances to our children, but we talk about it all the time and are teaching them to manage their own money.
January 31, 2012 at 9:15 am
I’m happy to say that this apple landed right at the feet of the apple tree and produced exactly the same fruit. My parents saved AND lived well through hard work and sensible spending/saving. My husbands parents came from the same hardy financial stock mne did. We have a good balance maybe leaning a tad too far to the thrifty side. We started out with hand me downs and still have most of them. We have no consumer debt, not even a mortgage or car loan and are currently, even though retired, saving for our grandchildrens education.
It is amazing to us how many people live off credit. There really does need to be some kind of education in the schools to help break this cycle.
January 31, 2012 at 9:23 am
I agree with all the posters, money management (like manners, and grammar) needs to be taught at home. It’s not just the saving 10% and having an emergency fund, it is also about teaching children attitudes about wants/needs, consummerism, being Brand Name junkies, trying to impress people with what you have/wear/drive. Children learn those values from what they see in their home.
However, it is a good idea for kids to learn basic budgeting for a home, where the money all goes when the pay cheque is cashed, how credit cards work, etc.. That could be taught in schools.
January 31, 2012 at 9:32 am
@Brenda, I made my kids save up for the ipod touches as well. They collected gift cards from birthday presents, allowance, and extra odd jobs until they had enough. They bought the touches, and 3 weeks later our friends by their kids the same things! Now how do I explain to my kids why they had to work their butts off to get them, and the other kids in the class (and friends) get them just by asking?
Parents do this all the time. They replace love with monetary objects. They replace quality time with gifts. They try to out do each other at every single event. My kids came home from a recent birthday where EACH of the kids received over $40 in toys in their ‘loot bags’. And that’s being really conservative on the price estimating (assuming they used sales and dollar store for most of it). Now my wife wants to make sure we do ‘at least the same’ at the next party we have. LOL, luckily I’m not giving in…
January 31, 2012 at 9:41 am
I couldn’t agree more! My parents were terrible with money, (they’re currently working on getting out of debt) and when I first moved out I was terrible too. I’m only 20 now, but doing much better. I work part time making minimum wage and my boyfriend works full time but also making minimum wage. My favourite store is the thrift store, I don’t go out for dinner every other night and I don’t drink at all. My boyfriend and I are saving for a down payment on a house (renting for now, while I’m in school), and we’re paying off his student loans (brutal!). We also have a small emergency fund. I’m proud of where we are.
January 31, 2012 at 9:55 am
I’m thinking some apples fall not too far from the tree, and then roll away as fast as they can! I’m one of those kids…my parents were/are VERY good with $, but I managed to dig myself into a bit of a hole. The good thing is that when I got my head screwed on straight, I knew what to do because of the good example that had been set (i.e. don’t spend what you don’t have).
January 31, 2012 at 9:56 am
I think of financial education as analagous to nutrition education. Teaching these things at school is arguably necessary, but not sufficient. We all saw the Canada’s Food Guide at school, but if your parents were buying you hot dogs and cheez whiz was there even a chance that you were able to follow it? They can teach you the “shoulds” at school, but good habits need to be reinforced at home.
That said, we have to start somewhere, and if the parents don’t know how to be that good example, perhaps teaching the kids might start the ball rolling. I think of when recycling programs started in my city-they taught us about it at school and my brother and I were the recycling gurus at home, reminding our parents the things that should go in the blue box rather than the garbage bin. We perhaps leaned toward zealotry on that front, but it slowly changed my parents’ habits. If kids came home and talked about saving, would at least some parents be inspired (if not shamed) into saving at least a little?
January 31, 2012 at 10:12 am
My parents were fairly good with their money, but really didn’t explain things. The one thing they did say was that other people with the same income were buying huge monster homes, but they prefered having money to spend on vacations and clothes.
I have gone through many stages, starting out very responsible, but ended up with a husband and 3 step children to raise with little income I ended up in debt. I worked 3 jobs and went to school at night to get us out of that situation. 2nd husband, we bought the family farm, both worked off farm with good jobs, but the debt was huge, and the stress finally caught up. So we moved to town, bought a huge house, which we could easily afford the payments, and a life, but somehow ended up in a lot of debt. My ex’s depression was a part of that, I “allowed” any purchase that would make him “feel” better. Good luck with that.
Now I’m on my own. No debt other than mortgage. A healthy emergency fund. More RRSP’s, more RESP’s. And a life with my two daughters. I guess on my own I’m fine, but I give in to others too easily. I want to make them happy, but that was the wrong way to go about it.
January 31, 2012 at 10:21 am
Actually, I am quite determined to walk in my mom’s footsteps when it comes to money. I’ve tried the whole bit where she was a stick in the mud and I was going to have fun, but Mom really was right: don’t live above your means, never charge what you can’t pay off right away and always pay yourself first (wait, that last bit was from Dad, who wasn’t as savvy with money as Mom but knew it was important to save for a rainy day).
January 31, 2012 at 10:50 am
I find it very funny when people gripe about the school system teaching money matters in school. There is only so much time and resources to teach students so what gets cut from their current education to incorporate money management? Parents need to take the responsiblility to teach their sons and daughters those essential life skills.
January 31, 2012 at 11:00 am
Whit all the tools outthere I vote for you doing a DVD for kids that could be sold to us customers and schools.
Please make it available in other language like french and spanish. It could be sold in Canada and US.
I hava ideas also. It could also be a game. So many ideas so little time….
January 31, 2012 at 11:44 am
Gail,
I am working for a non-profit organization that teach literacy to adults in our community. We also teach young adults 16-18 Financial Literacy. The only downfall is these young adults are limited to Children’s Aid Society clients. I have taught 6 of the 7 courses thus far. The course is 3 hours once a week for 8 weeks. I also wrote the manual for this class and learned a few lessons while writing it. While writing the manual, all I could think is, I do not practice what I am preaching to this young adults so how can they respect me or the lesson if I cannot do it myself. That is when I changed my finances.
One year after writing that manual, I am debt free, opened my RRSP and TFSA, and earning more money by working two side jobs throughout the year.
I believe there needs to be a financial literacy course taught in high school for all students. I believe this course needs to talk about working hard, saving 10%, paying off your debts within a reasonable amount of time, how to pay for post-secondary education, and so forth.
I also believe that ADULTS need to be taught financial literacy. How many people still do not know about TFSA, how many people who are eligible for the disability tax credit know about RDSPs?
More than 50% of Canadians do not have the math skills to complete a budget.
More than 40% of Canadians have difficulties with reading and writing.
The government and Financial Literacy Task Force need to implement a plan to reach out to all Canadians to teach them financial literacy. It is possible to teach people how to budget their money, how to use resources in their community, teach students to apply for bursaries or grants, to teach them to own up to their past mistake and to make positive steps for the future.
If some of my poorest students can save $50 over 8 weeks (and that is A LOT of money for them), anyone can do it.
But HOW is the question. How can we reach out to Canadians and teach financial literacy?
How about reaching out to all the literacy organizations? Community organizations?
How about hiring a bunch of university graduates who do not have a job to teach it?
There already is a free financial course available online through the Financial Consumer Agency of Canada.
Maybe I will apply to the government to co-ordinate a national effort to help Canadians get their finances in order and team up with grass-roots organizations. Or call Oprah to do more “Million Dollar Neighbourhood” because at least they are doing something about it already. Or call you to clone you and do your show with everyone across the country….. I guess that last one is not possible eh?
January 31, 2012 at 12:01 pm
“Choosing to use money to make dreams into reality instead of buying more crap.” <– Gail, this struck home for me!! All my coworkers who get jealous and say I'm "lucky" because of the things I get to do in life (travel annually, horseback riding in Arizona, hot air ballooning, etc.) and I answer–"Hey, what did you do with your money? Buy a new iPhone? Go to the Keg every week? Hahaha…"
January 31, 2012 at 12:44 pm
I like to think that most parents try to do better than their parents. My parents made sure not to repeat some of the bigger mistakes their parents made, and they told us about them (in age appropriate ways) so that we wouldn’t forget the lessons they learned. But they never taught us about money. I don’t know if they were ashamed or if they thought that debt was a part of life but they never talked about it. For DH and I money and career planning are the things that we want to do differently for our kids.
We’re fixing our mistakes now while our kids are young and when they are old we intend to tell them about it.
January 31, 2012 at 12:51 pm
Thank you for my new money mission statement: I will use my money to make my dreams, and the dreams of others, a reality.
This is a great way to evaluate purchases and I love framing things in a positive light – it is going on my vision board tonight
January 31, 2012 at 2:19 pm
I have always having debt of any kind and worked like mad to get rid of student debt, have never carried credit card debt, etc.
But now, we’re about to buy a new house and have a mortgage for the first time ever. It’s not a huge mortgage, maybe 30% of the purchase price, but I’m already trying to figure out what I can cut and how far back I can scale things to get that debt paid off in record time while still raising our kids and having the life we want to have.
My mom was a single parent and always had debt. She’s doing ok finacially now, but I can’t help but wonder how much better a position she would be in today had she made some simple changes earlier in her life.
For my teenager, I try to impart on him the importance of saving, spending and giving but he’d rather work long hours and literally blow his money with nothing to show for it than listen to mom’s advice about HIS money (until it all hits the fan, and then somehow I really do know everything and he asks me what he should do – LOL!) I hope my younger four internalize the money lessons I’m trying to impart on them better than my eldest has.
January 31, 2012 at 2:29 pm
A lot of people have mentioned that there’s only so much time to teach all the curriculum students needs to study in school. This is true, however, there are ways that the curriculum could be adjusted. I’m 22, so high school wasn’t too long ago for me. I was absolutely terrible at math throughout my school career, however, I can clearly remember learning about mortgages in grade 11 college/university math (this was at an Ontario high school). I actually did really well in this section of the class because I could see how it would be useful later in my life. Instead of learning about things that aren’t applicable in real life (unless you’re pursueing a degree that has a heavy focus on math) college/university and college level math courses could certainly include more about financial management and would be a lot more useful then learning about parabola’s.
Along these lines, Universities should also offer some sort of course through career centres. I was lucky to have great role models who guided me towards a health financial start, but a lot of my friends have no idea what their options are. My boyfriend was absolutely amazed when I explained RRSP’s to him and why it’s beneficial to start them early. And this would definitely be in the universities best interest…if their Alumni aren’t drowing in debt they’re a lot more likely to donate to the school
January 31, 2012 at 3:10 pm
So what do you all say to your kids who had to save for their gadgets when all their friends have to do is ask?
What do I tell my kids?
January 31, 2012 at 4:21 pm
I have seen this happen to so many of my friends! I’m a couple of years out of university. I’m in a field that’s pretty low-paying, so I have been pretty good about saving money, setting goals, etc. But for friends of mine who are making a bit more, they’ve definitely gone crazy spending it, and they’re not making boatloads. In fact, they complain about how broke they are. It’s kind of infuriating, actually, that they don’t spend much time thinking about finances.
I have one friend who makes about $20 more a year than I do. Our expenses are more or less the same. She constantly complains that she has no money and that she has all this student loan debt. Admittedly, I don’t have any student loan debt, but in the year and a half that we’ve both been working, I’ve put into savings more than her total debt balance, which hasn’t budged, since she’s barely paying the minimums. She could easily have been debt free by now, but she chooses not to.
January 31, 2012 at 6:53 pm
I remember the same math course in grade 11. I also did well in it because it made sense in the real world. I call it money math lol Im good at that but not algebra and the like.
In college I took a personal finance course..was one of the options for my program out of 40 students, 3 of us chose it… I don’t even remember what the other option was.. but wasn’t as practical for everyday life.
January 31, 2012 at 7:02 pm
One of the best parenting books I read is called “Parenting with Love and Logic.” Basically put, you give your child options and let them live with the consequences of their choices because making mistakes is the best way to learn, and making mistakes early in life sets up for better choices as the child gets older.
For example, the author of the book says too many parents give their kid an allowance. let the kid spend it all, then, when the kid comes crying for more, give them more. Instead the book recommends giving the child an allowance, letting them spend it however they wish. If the child spends it all in one day then wants to do something fun with their friends but has no money, the parent just shrugs and says, “Well, guess you shouldn’t have spent it all in one day.”
I agree with the article and a lot of the comments but also want to add that parents not only need to set up financial expectations for their children but also need to make sure those in their family (particularly grandparents) are on board. My boss recently told me a story about her six-year-old daughter wanting a certain doll. She had money to buy one doll but really wanted this special doll. My boss explained the concept of spending her money now as opposed to saving it to get what she REALLY wanted. Her daughter understood and was all about saving it, but then the grandmother bought the doll for the child thus negating the lesson. (The doll purchase was NOT accidental.)
January 31, 2012 at 9:19 pm
My parents have always been very frugal, and even though I sorta understood why – I didn’t truly understand until I was living on my own after graduation.
I was making good living, and managed to pay off my student loans in 6 months. But I still didn’t know where my money was going. I was back at $0. I started saving for an emergency fund, putting away money for RRSP and TFSA. Now I track all my expenses, but instead of doing it with a paper and pen (like my dad), I use excel and spend hours ogling at charts and graphs.
It makes me feel like I am in control of my life, when I am in control of my finances
. Sometimes, I splurge a bit, but most of the time, I try to live below my means.
February 1, 2012 at 9:20 am
@Ada, there are going to be lots of times when your child’s friends will be doing/getting something that you don’t think is right for your child. That’s when parents need to stick to their beliefs and fold.
If we can’t do the hard stuff, however can we teach our children to do the hard stuff?
February 1, 2012 at 9:36 am
@Another Dawn.. that parenting concept is called natural consequences. makes sense doesnt it..
in all parenting aspects even finances the automatic response from parents should not be “what punishment can i instill” but “what are natural consequences of my childs actions” and then unless there is danger involved, let it occur.
very hard to pull through with natural consequences sometimes as a mom.. yesterday my 21 year old told me the 2 shifts at work he gets every week is not enough this month to pay his rent and groceries.
the mommy in me wanted to take him to the grocery store and buy him food. but what i did instead was say “only two shifts a week at your job, i wonder what you could do about that”
hopefully planting seeds of thought …. another part time job? more hours at current job? full time work?
February 1, 2012 at 3:32 pm
@Ada-I have always told my kids to feel proud of themselves for working & saving for something they want/need, and also that it isn’t our business if other parents chose to do things differently. I can honesty say that it hasn’t been a problem, and I remind them things could be a lot worse! (always throw that one in LOL)
February 1, 2012 at 4:52 pm
Great post, been away for a few days and was able to catch up on your past few blogs and I like. Like the idea of it all….I have two small children and I am trying to teach them not to ask for things in stores, no candy, no toy, no puck and no stick. So far it seems to work unless he uses his tooth fairy money, which isn’t a whole lot. Now will need to teach him the grocery store Nos….may take awhile (lol)
Great post Gail….thanks
February 1, 2012 at 8:21 pm
I absolutely think personal finance should be taught in schools. My high school had an economics course that taught the concepts of world economies, debt, GDPs, and we even had a mock stock market competition in class.
At the university level, I took an optional personal finance course that was even better; it taught personal taxes, emergency funds, debt avoidance, and how to save for short-, mid- and long-term goals. At the time, I was shocked to realise that while my short term goal was to travel to Europe (which I did, on money I’d saved up ahead of time, yay!), the vast majority of my classmates were trying to get out of credit card debt. As someone who uses credit cards for convenience and has never paid a penny of interest on a credit card in my life, it was kind of sad to see how university was already too late to reach a lot of my friends.
Yes, it starts with the parents. But the education system has an important role to play. We teach kids math, English, physics and geography; we should teach them how to balance a budget.
February 6, 2012 at 5:19 pm
So here’s my story.
So far so good. Grocery shopping can be challenging for little ones. They see us just grab stuff off the shelf and they want to do the same. The retailers know that. That’s why all the “extra’s” are always a kid eye level. My daughters have known since they were about 6+7 not to ask for stuff when we are grocery shopping, and as a reward every once in a while (maybe every 2 months) we would have a “Wants” shop, where we each get to pick something from the grocery shop that we normally wouldn’t get. Having the girls help by hunting down the things on my grocery list helped to keep them busy, so does having them help with the Self Scan.Now that they are 16+17, the “Wants” are usually fancy juices or exotic fruit. Now when we go shopping, we split up and each get things from the list and they still enjoy doing the Self Scan. I actually enjoy grocery shopping with my kids. How many moms can say that ?
For the last 3 years, my daughters have been getting $100 a month for TTC Tickets to get to school and clothes. They’ve discovered that walking saves them some cash, and so does making their own lunches. They both know how to cook and know how to bake which makes for great lunches.
The big ticket clothes (winter coat and boots) I will buy every Other year . I limited the amount I would spend and they had to chip in if they wanted anything over budget. They discovered that there was a less expensive alternative to Ugg boots, and they waited til they were on sale. Because they had to make these boots last 2 years, they took care of them like they were made of Gold. They’ve had them for 3 years and they still look New!! They’ve discovered they can double their wardrobe if they borrow each others clothes.
With a part time job, the odd babysitting job, birthday cash from family and cash for whatever they sell for me on Kijiji (they get it out of my house, they can keep the cash), they have each managed to buy their own Laptop. They are the only kids I know who are perfectly fine with Not having the Latest and the Greatest.
University is on the horizon and my oldest daughter has been working on Gail’s budget, so she wont be shocked when she hits Uni. She is applying for whatever scholarships she qualifies for and is looking into buying used books.
I don’t know whether Money Management will ever be taught at school, but I think that as a parent, introducing my girls to Gail Vaz-Oxlade is one of my smartest moves. We’ve all learned a lot from Til Debt Do Us Part and I love listening to the comments my girls make about these “spoiled brats” and “dumb parents” when we watch Princess !!
February 9, 2012 at 3:42 pm
We have a 9 year old and a almost 3 year old. My 9 year old boy get $10 a week for allowance. We have him put into savings $2 of the $10 per week. It has been growing and he sees it growing but for some reason he doesn’t have the ability to save for bigger items with the other $8 a week he gets. He just wants to spend it on junk. I have told him if he saves for a few weeks he could save up for that game he wants but instead ops for more junk. He seems OK to not get the game the other kids are playing.
I would love some feedback from people on what other things we can do to install a sense of saving where it will be him wanting to save and not us forcing it.
February 9, 2012 at 11:03 pm
Greg, Maybe your son has to find something big that he wants, before he can feel motivated to save for it. He sees the $2 a week growing, and maybe for him thats savings enough. What if you and he choose a “gail jar” and encourage him to save $4 each week for something big (take him to a toy store, or hobby shop or book store) and let him blow the other $4. It is his money after all, and even though we don’t always see the value in the junk they buy, its their junk. If he sees something in the store he really wants, Then he might have the motivation to save.
February 12, 2012 at 3:26 pm
@Ada – you tell your kids that you care enough about them to make sure they understand the value of a dollar and the pleasure that comes in buying things with money you have saved yourself
@Greg – if the rest of the money is HIS money, aside from the savings, then you have to let him choose – he’ll figure out eventually that he’s missing out on buying the game, etc – or it may not matter to him – my daughter sometimes lets her ’spending’ money pile up and buys one bigger thing and other times, she uses a chunk of it to buy candy or other garbage – I’m always tempted to say something but I don’t because it’s her money and when she points out something she wants later and I ask her how much she has in her spending jar, you can see her figure out that she spent her money on junk and she’ll have to save her spending money for a few weeks
May 9, 2012 at 6:03 pm
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May 15, 2012 at 4:37 pm
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