Wednesday, April 24, 2013

I'M SORRY ISN'T ALWAYS ENOUGH


Everyone knows that it's not good to break things. In most cases nobody means to do it, and most of the time the person who broke something is going to be sorry.  Breaking something that doesn't belong to you is a problem both inside the family and outside in the greater community.

Breaking something by accident isn't a terrible thing. Accidents happen. Sometimes they happen through carelessness, and that should be addressed; but sometimes they just happen. But in the case of breaking something an apology isn't quite enough. Restitution is needed, too.

You should try to restrain yourself from blowing up when something gets broken.  Yelling under those circumstances tends to send a message that things are more important than people.

The reward - or punishment - for behavioral matters should be behavioral; the reward or punishment - for material matters should be material. If you break something, you should pay for it, in time or money or both.  Not taking breakage seriously enough sends a damaging message, too: that it's not really important to respect the property of others.

I learned that lesson when I was about twelve. A girlfriend and I got a couple of brushes and a couple of cans of white paint and set out to write “Ringo for President”all over the streets in our neighborhood. We hadn't thought it through well enough to realize that Ringo was British and therefore ineligible to be president but that was actually the least of what we hadn't thought through. We believed we were using a water-based paint, but it turned out to be latex house paint.  We, of course, were convinced that we'd never get caught, but within an hour after we had run home and were listening to Beatles music and giggling, a policeman knocked at the door.  "Are you the two kids who painted up the street?" he asked.  We weren't cut out for a life of crime. We confessed immediately. "But how did you catch us?" I wanted to know, holding my hands out to be cuffed just like in the movies. The policeman smiled and pointed behind him. We looked. Across the front porch, down the steps, and out along the street was the evidence: our footprints in white paint, heading straight to the door.

We paid in both community service and money. I had to scrape every last “Ringo for President” off the streets with a wire brush, and I had to buy my own wire brush for the job.

You’ll want your children to understand that if they have friends over to visit, they’re responsible for their friends' behavior as well. If they take over the family laptop to play games, and one of the guests accidentally spills a beverage on it, and you're facing big bucks to have it fixed, your child is responsible for picking up the tab.

You're very likely to get a chorus of "No Fair!" on this rule. "Why am I responsible both ways? If I go over to someone else’s house and break something, I have to pay. If someone else comes over to my house and breaks something, I have to pay."

For an answer, refer your children back to the concept of "My House, My Rules."  This is the way we do things. If his friend has also been raised to be financially responsible, he'll assume the burden. But we have no control over the rules in other households, only our own.

What happens if a child breaks something that's far beyond his ability to pay? That can happen, and sometimes spectacularly. Here is an example.  A friend owned a 50 acre farm in the country.  She and her husband had a recently purchased tractor.  Her fourteen-year-old stepson and his and friend were visiting the farm. Somehow they had cajoled my friend into letting them try out the new tractor.  They promised to be careful, but the temptation to convert a piece of heavy farm machinery into a go-cart was too strong.

As fate would have it, they managed to steer the tractor directly into a pool in the middle of the farm.  They probably wouldn’t have been able to hit it if they tried. The damage to my friend: one ruined tractor; the cost of towing the tractor out of the pool and disposing of it; one polluted pool that had to be drained and restored by environmental professionals because the polluted water had to be taken away.

This story does not have a happy ending. The friend’s mother’s response was, "Gee, boys will be boys. Well, accidents happen." My friend never did find out what the other boy's parents felt, because they never bothered to contact her.

This was wrong. It was unfair to my friend, and it was letting the kids down, too, by sending them the wrong message. It was teaching them to be the kind of people we don't want our children to be.
This was a leviathan of a preventable accident caused by carelessness. It was destruction of property, and it was destruction of the environment. The monetary damage was well beyond any kids capacity to make financial restitution.  But the boys should have contributed something. They should have contributed enough money to feel the bite of it - a few hundred dollars, anyway - And they should have worked on the restoration of the pool.

Saturday, March 2, 2013

YOU CAN NEVER BE TOO YOUNG



From the time our children are beginning to crawl we start teaching them about right and wrong, personal safety issues and morals.  Through the years we warn them about stranger-danger, alcohol and drugs.  We try to set good examples for healthy eating and personal accountability.  Why do so many parents neglect to teach their children one of the most important survival skills they're going to need – how to take care of themselves financially?

We certainly teach our kids about spending money, but this is setting them up for future failure.  Kids are constantly exposed to the emphasis on buying power but this comes at the expense of other important money skills that kids need to learn – earning, saving and sharing.

MONEY IN ACTION
Parents have to talk to their kids about money from a very early age as this is when good habits start to form.  It's important for kids to come into contact with money, learn where it comes from and understand how it is used.  Encourage your kids to play “store” at home.  Let them put coins in the parking meter.  Let them swipe the credit card when you get groceries.  Bring them to work with you.  Bring them to the bank to open a savings account.

I believe in allowances for kids who are ready to start doing age-appropriate things around the house, like watering the plants or setting the table.  It is important to use the allowance as a teaching tool.  It's never too soon to start teaching financial responsibility.  Even kids as young as 5 can benefit from the idea of budgeting – the child should set some allowance money aside to spend, some to save, some to share with the community.

This helps kids make better decisions and learn to delay gratification.  The time spend deciding what to buy with their own money, what to save for and what causes to contribute to also builds character.  Another benefit is valuable quality time with mom and dad.

Talk to your kids about money and keep talking to them about it as they grow.  The lessons learned will stay with them for life.