Science of Parenting live interview with Quad Cities television station. Click here
Science of Parenting live interview with Quad Cities television station. Click here
Do you remember taking an economics class in school? What did you think about that class? Some will remember becoming dizzy by the numbers, others may have thought it was boring, and others may have been astounded by the technical aspect of all the numbers! Having a basic understanding of economics helps to guide our use of money throughout life!
Families who talk openly about setting financial goals including saving and budgeting, set a good example for their children to follow. When prices increase families have to have a spending plan that will meet their income and pay the bills! For many families, these discussions are difficult because we want to protect kids from the worry of adult family financial pressure. Opening the doors of communication can help the children realize why requests for new toys, or game systems come with the word “NO” more frequently than we like.
Helping children to understand that money is earned through hard work and that putting extra money away through a savings plan is one way to work toward earning a new game or toy! For many of us MONEY is an emotional issue, and those emotions affect spending decisions people make. As parents, our job is to help children explore their personal feelings and attitudes about money. When confronted with the difference between “needs” and “wants”, and knowledge about the most current balance in the checkbook, even children can make decisions about spending or saving!
Guest blogger, Carol Ehlers shares insight with us on talking about money with children.
There we were at the bank, my 5 year old daughter and I, on a Saturday morning watching 40 pounds of coins be counted. It was our daughter’s Christmas gift from grandparents’ year-long effort of saving coins. I thought what a great teaching opportunity and ‘money adventure.’
When the bank clerk handed her the light-weight small bank envelope containing cash the emotion on her face showed deep concern. By the time we got to the car there were tears and a demand that her money be returned. She was convinced that what was in the envelope did not equal her bucket of money and she had been robbed. That was over 10 years ago and the memory as well as this family ‘money story’ lives on.
Children get their first lesson on money management from the adults around them. By the age of three, children already have a good idea about how you feel about money. How you talk about it and handle it tells them a lot about how to approach money.
Children and Money
Children are not born with “money sense.” They learn about money by what they see, hear and experience. As they grow, children constantly are watching, listening and learning about money. How much does ice cream cost? Can I buy a new book or toy with my money?
As a parent, relative or other adult important in the life of a child, you are teaching the children you come into contact with about money. What would you really like them to be learning?
A great resource the Consumer Financial Protection Bureau’s ‘Money As You Grow’ provides age-based activities and conversation starters to help your children develop money skills, habits, and attitudes that can serve them well as parents.
Whether we as parents and caregivers realize it or not, children’s attitudes and values regarding money are influenced by how the adults in their world spend, borrow, save, share, invest and protect themselves with money.
Source: Talking to Children about Money
Carol Ehlers is an ISU Human Science Extension and Outreach Family Finance specialist working to empower consumers to take control over their economic lives.
Many parents think they can hide financial stress from their children, but the kids always know – and they’re worried, too. Talking together openly about family finances is a better way to lower everyone’s stress level and also teach kids about money.
Listen in while we start the conversation on children and money.
You’ve heard great ideas on the value of chores and what’s appropriate for different ages. I’d like to take a life review look at the value of teaching kids responsibility at home. This quote stuck with me while I was raising my children. . “Don’t do for your children what they can do for themselves.” I’m sorry to say I can’t remember where I got this bit of wisdom, but it guided my parenting and will continue to guide my grandparenting.
You may know a 30 year old who still brings his laundry home to mom (in her 60’s) to do his laundry. Its’ not because he doesn’t have the money or the time. It’s because Mom doesn’t think he can do it right and will do it for him. . . forever. Or the college graduate who claims she doesn’t know how to fill out a dry cleaning form, saying “My mom will do it’. I remember a teenager who didn’t have her favorite jeans for a particular occasion. She had experience washing clothes. Laundry was on the ‘chore list’.
Teen (in a shrill tone of voice): MOOOOM, my jeans aren’t clean! I have to wear them today!
Mom (calmly in an even tone of voice): Do you remember how the washing machine works?
Teen: (with an eye roll and ever so slight affirmative head nod.)
Mom: “What are you going to do about not having your jeans?”
It was painful. For her. For me. But we survived and she’s particular about her own laundry now (20 something).
Doing chores builds skills and self esteem, creates confidence and problem solving skills. Doing chores helps a child develop a work ethic, persistence or ‘grit’, and a sense of accomplishment. Don’t deny your children that opportunity to build their character. When they are adults, their peers will be amazed, their employers impressed and their own children capable. When they are 6-8 years look at what children can do!
So when my granddaughter makes a mess, I’ll teach her how to clean it up. And be patient with imperfection. And think of how she will be when she’s 30.
As I started thinking about chores and my childhood I was struck by a memory. I remembered how my sister and I divided our chores as pre-teens. We would take mom’s list, write the chores on small slips of paper, put them in a stocking hat and shake shake shake the hat. We then took turns pulling out the slips of paper. Groaning or cheering soon commenced followed by contemplative silence.
It was in this silence that I believe our ‘true’ learning happened. Imagine us analyzing our list. Carefully calculating how long the tasks would take. Considering the impact the list was about to have on our play time. Silently we would also process each other’s list in our heads. Deciphering if it might be worth it to try to trade out tasks to fit our play time plans better. Tasks, total time and overall effort became part of the chore equation.
I would like to say that our tasks always got done… but we were just kids after all. Sometimes we spent too much time on the processing, negotiating and trading. Other times we called in the neighborhood friends to help us finish faster and it actually took much longer than expected. Its also possible that every once in awhile mom may have shown up before the stocking hat selection even got started.
Regardless, we learned. We learned how important we were to our family unit. We learned and were proud. Proud of our creative process, our innovative ideas and our ability to negotiate to meet our own individual desires and needs. Chores weren’t always fun, but they were always at least a bit interesting. (I wonder where that stocking hat is?)
“It’s not fair”; “I don’t have time”; “It’s not my job”; Words often expressed by children who are asked to complete some household task!
Taking responsibility for a household task can assist children learn essential life skills, including taking responsibility, and expressing generosity. Families who work together to make decisions, keep the house clean, and care for one another, can use that energy to tackle even tougher issues! Don’t give up parents! Teaching your children to accept responsibility through assignments at home will create strong children!
Many parents are concerned about their children’s achievement and success. But some fill their children’s schedules with so many activities, tutoring sessions and private lessons, that there is no time left for learning to help at home. However, getting your kids to complete household chores may be a better strategy for long-term positive social and academic outcomes than whatever additional activities they are involved in.
Research from the University of Minnesota found that young adults who began chores at ages 3 and 4 were more likely to have good relationships with family and friends, to achieve academic and early career success and to be self-sufficient, as compared with those who didn’t have chores or who started doing chores as teens.
Join us this month as we talk about children and chores.
I am very aware of the words I use to communicate! Words can be hurtful when used to bully, or demean others. The effects can last a long time, and those words can never be taken back. Compliments or words of affirmation can boost a child’s self-esteem. What words do you use to compliment your son or daughter?
Giving a compliment is a learned skill. Children grow and develop when given specific compliments or praise; showing you notice their effort in school, sports, or with your family. Some examples of positive compliments include, children making their bed; or hanging clothes on hangers. Children can be recognized for helping to care for a sibling with kindness and patience. Youth who have made progress in their school-work can feel a sense of accomplishment when a parent expresses happiness for a grade received or the completion of a school project.
The old saying—“sticks and stones can break my bones, but words may never hurt me.” Couldn’t be farther from the truth. Words can hurt. Chose positive words wisely!
Alert! Attention! Calling all parents and adults. Yes, YOU! I’m talking to you. Kids are watching. They are watching everything you do and everything you say. Some of the most important lessons kids learn about kindness are observed. But, will they pick up caring behaviors simply from watching? Yes, they will model our behavior, but they will emulate much more, if we can intentionally discuss and encourage positive interactions. It’s our duty and responsibility as parents to point out the positive interactions that we observe and to be mindful that kids might be watching every move we make, so we had better behave!
As I was reading about kindness I became fascinated by the brain research. I sat there thinking “Well of course, the brain is in charge of our feelings. Why wouldn’t it be the center of this conversation?”.
Our brains are in charge of our emotions and our actions. Our brains take the input we receive from others. Process the information. Tell us how to emotionally respond. And our actions become the response. Makes perfect sense. The brain is in charge of kindness.
And then I read this, “our brain learns best about kindness when it FEELS kindness”. There is was.
How should I teach my children about kindness? Help them FEEL kindness.
Children learn kindness when they ‘feel’ what its like to make someone else smile. And their brain learns.
They learn about kindness when they share with others, when they comfort others, when they give to others. And their brain learns.
Suddenly writing this blog topic wasn’t rocket science, but is was brain science. It was simply thinking about all of the ways that children can be kind to others and understanding that while they do this – their brain learns.
Children aren’t born knowing how to be kind or compassionate. However, these virtues can be taught.
How do we raise kids who are compassionate and kind? We can give them opportunities to practice being kind. Children must learn to be kind, just as we learn language. Practice makes perfect and parents can encourage such simple opportunities like helping with housework. Parents can help children learn how to focus on others who need help. Children need to hear from their parents that caring for others is a top priority.
Harvard researchers tell us that children aren’t born good or bad, and we should never give up on them. They need adults who will help them, at every stage of their childhood, to become caring, respectful and responsible for their communities.”
Join us this month as we share ideas about the importance of raising children to be kind and compassionate. Listen to the podcast below or read the transcript.
We love hearing from you, so join us!
As parents, we want what’s best for our children. But as a parent I’ve experienced the urge to provide experiences and material possessions that I wasn’t fortunate enough to have had as a child and as an adult I have the financial means to provide for my child. I have learned that this urge needs to counter with the question of “what is best?”.
How do we know what’s best? I ask myself this question every birthday, and every holiday. I have used a couple questions to keep my urge to give under control. The first question I ask is “Is this gift or experience good for them?” In other words, does giving this gift promote or prevent learning? Then I evaluate the financial impact that this gift will have on our family budget. Does it use too many family resources that should be used or saved for something else? College isn’t many years away even for an infant. Even little purchases add up over the years. The last question I consider is that of need. Is the gift something I want? Does it benefit me more than my child? Am I using the gift as a way to compensate for time, I wish I had spent with my child?
Overindulging and buying too much has become epidemic among parents. As parents we need to question our purchases and respond with moderation and mindfulness. Even with good intentions, the results of giving too much can be harmful.
This week we welcome guest blogger Kristi Cooper. Human Sciences Specialist in Family Life and new grandma.
I had no idea I’d be taking my own advice years after I wrote about the overspending of grandmothers and aunts on new babies. I’m very excited to provide my 11 month old granddaughter with as many new experiences as she can handle. Her parents are practical and their home is small so the oodles of toys, clothes and other baubles that are bestowed upon her by well-meaning relatives create stress. Besides, my grandgirl is pretty happy with simple household surfaces to pound and pull up on, and a human or two to keep her entertained.
Marketers of baby stuff focus on female consumers – aunts and grandmothers in particular – because their hearts are as big as their wallets. By keeping our wallets closed and our hearts open we can avoid turning our grandchildren into beggars and entitled teens. Here are 5 ways to love those precious little ones without creating strained relationships, stress over stuff and maintain our financial wellbeing.
YOU are the best gift your grandchild can receive!