Showing posts with label allowance. Show all posts
Showing posts with label allowance. Show all posts

Sunday, June 9, 2024

The First Job Win

My first job was a paper route when I was 12 and it was only for one summer. Folding the papers and delivering them wasn't too bad, but having to collect the payments from the people I delivered to was horrible. Excruciating at times. Most people on my route were nice about it, whether they had the money to pay me then or not. But there were those who were just downright mean at times. Ridiculing me because they said I threw their paper in the bushes or barely on their driveway. 

A few years later when I hit 15 and a half, my true first job enfolded. I applied for and was hired to work in the produce department of a local grocery store. While my boss was a jerk most of the time, one of my co-workers warmed up to me and became a good work friend. It didn't start that way, but thankfully it ended that way throughout the three years I worked there. I had no idea what I was doing at first, but over that first summer between training and just doing the job, I learned fast. I worked a split shift -- from 6 am in the morning to 10 am, and then I'd come back at 3 pm and close the produce department at 7 pm. It was tough to get up that early, but I did it, and by the end of the second summer working there, I had enough for a down payment on my first car.

And now it's time to live that all over again with our own kids. Our oldest, Beatrice, had volunteered the past two years as a junior leader at a summer day camp for Parks and Recreation. This year was her opportunity to apply to be a paid camp counselor -- and she got the job! She was one of the best junior leaders they had the past two years, so her experience definitely paid off for her. 

She's completed her week of paid training and next is the actual camp. She'll be working about 30+ hours per week, which is a lot when you haven't worked before. Both her and her sister Bryce earn their allowance each week for the chores they do, but that's maybe a couple of hours per week, if that. 

This is different than doing weekly chores for an allowance. Real paying jobs always are. Beatrice is going to be one tired teen by the end of the summer wrangling all those campers every day, but she loves the work, and she also knows that she'll be saving some "bank". She's already making a list of what she may want to buy at the end of the summer. Not a car like I bought when I was 16 (with a co-signed loan from my mom and dad), because she's not ready to drive yet anyway. It'll be fun for her to decide either way. 

And she'll be saving money, too. We want her to contribute to her mutual funds account we set up for her and contribute to -- get her in the habit of saving (something that my wife Amy and I didn't do enough of when we were their age!). The same with Bryce (both have their own account), although Bryce doesn't have a real job yet. Bryce is picking up extra chores for more money, though, which helps for spending and saving. 

It's the first job win for Bea and we couldn't be prouder. I keep telling her she's going to have to buy us all dinner at the end of the summer, but all I get is a big "no". That's all right. At least she'll be saving, too. 

Sunday, December 13, 2020

The Primary Pooper Scoopers

 

She had left the spray cleaner and the dirty wet paper towel in the sink. 

"Beatrice!" I called out.

"What?" 

"Please come put away the cleaner and throw the paper towel away."

"Why?"

"Because the job isn't done until everything's put away."

"Fine."

Reluctantly Beatrice trudged into the kitchen and did what I asked. Which I shouldn't have had to ask, since this is something we repeat over and over again. 

But then again, we have come a long way from little kid world, where like most parents, my wife Amy and I did all the things (yes, Amy does more of the things, but I do things, too!). This included cleaning around the house, putting their toys away, emptying the dishwasher, folding clothes, getting the mail, feeding the pets, walking the dog in the rain and picking up her poop, etc. 

Like that part in one of our favorite holiday movies The Family Man, when Jack Campbell and his wife Kate return from the Christmas party and their dog needs to go outside. Jack doesn't want to do it and Kate jokes that she'll wake up their toddler Josh to walk the dog out in the cold snow. Of course they don't do that, so Jack acquiesces and walks the dog, like he does every day and night, picking up the dog poop along the way.

For those who have seen the movie (we've watching it every year since it came out in 2000 when we saw it in the theater), you may remember this part when Jack, Kate and their kids are in the mall shopping and Jack wants to buy the expensive suit:

Jack: Do you have any idea what my life is like?

Kate : Excuse me?

Jack : I wake up in the morning covered in dog saliva. I drop the kids off, spend 8 hours selling tires retail. Retail, Kate. I pick the kids up, walk the dog, which by the way, carries the added bonus of carting away her monstrous crap. I play with the kids, take out the garbage, get 6 hours of sleep if I'm lucky and then everything starts all over again. So-so what's in it for me? Wh-where are my-my Mary Janes?

That's something Amy and I joke about all the time -- one of our many ongoing catch phrases -- Where are my Mary Janes?

Because really, what are we going to do? Make our little kiddos do all the housework? Don't get me wrong, we thought about it once they start to walk and make messes everywhere they walked. But, this isn't Little House on the Prairie, and we don't live way out in the country or have a farm or a dairy, so instead, we waited until we thought they were old enough to be more responsible around the house. About two years ago we started giving our girls an allowance based on completing chores around the house. When you first teach your kids to help around the house, it's more about the act of doing chores and learning the value of money for work, then it is getting the chores done like we the adults in the room want them to get done. 

They are just kids after all and there is a learning curve to getting housework right. When I was their age, my sister and I learned how to clean house from our mother. Although both my sister and I had our standard chores, Mom learned quickly that if she wanted the chores done more thoroughly, she'd ask me, although I took a long time to get them done. I was a daydreamer and dawdler, that's for sure. But when Mom wanted the chores done quickly, like when if we were going to have company coming over at a specific time, then the work went to my sister, who was super efficient (and I would argue just as thorough as well, even if there were a few shortcuts here and there). 

Our girls more or less complete their chores with the same speed and efficiency, except when they tell us they did one and it's obvious that they didn't do it (that'll be a future post). One of the things our youngest Bryce does is to vacuum downstairs. She does a pretty good job, although we have to remind her to vacuum every part of open carpet, and I still go over the traffic areas again myself. Our oldest Beatrice cleans all the sinks and the granite counters, although we have to remind her to not just smear the cleaner around on the counters, but to wipe and dry them off, too. 

And then to put the dang cleaner away and throw away the paper towel!

But they're working on it and we continue to incrementally add chores for them to do while ensuring completion of each one -- and until the job is done. Since we're home all the time due to the ongoing pandemic, there's never been a better time to add more chores. The girls even negotiate with us now, especially when they want to earn more money for stuff they want, like when Beatrice bought her iPad from the bank of Mom and Dad

This also includes walking our dog, Jenny, even walking her in the rain like the girls just did with me, although Mom and Dad are still the primary pooper scoopers. 

"So, where are our Mary Janes," I said to Amy when we returned, again referencing The Family Man.

She laughed. "Exactly, but really, where are my Mary Janes, Dad! I've been cleaning this house since 6:30 am! C'mon!"

"We love you, Mom!"


Other "Days of Coronavirus" posts:

Sunday, November 15, 2020

The Bank of Mom and Dad

We have way too many devices. Big devices. Small devices. Medium-sized devices. Laptops, iPads, iPhones and old iPhones that are now iPods for our daughters. Most are still in pretty good shape, even if they're a few years old, and only one is a PC. Thank goodness for that (a vendor gift from a conference a few years ago). We prefer the Apples.

Of course we're grateful that we can have all these devices, even with the double-edged sword of managing device time with our daughters. However, as operating systems, applications and games evolve, older devices begin to show their age. They're just not supported anymore, and our girls can't play the games they love anymore.  It's a racket, a scam, and it drives us a little bonkers. Damn those Apples.

I'm the gadget guy in our house, and yes, I upgrade my phone every other year, and upgrade my work computer every other year as well. My wife Amy doesn't care about the new gadgets like I do and still uses my old MacBook Pro that's at least five years old (it has had one major repair to date), and uses an iPhone 7. 

But Beatrice, our oldest, has been asking for a new iPad for months now. We told her we weren't buying her a new one and she'd have to keep using the older one she has (one of our older ones). She kept asking, and we kept saying no. 

And then we started talking to her about buying one with her own money. She did save over $100 of the "spend" part of her weekly allowance for a Nintendo Switch that we ended up buying from a friend. So, she began to consider saving her money again and buying a new iPad. 

But that would take her quite a while to save for even the cheapest newish iPad available today. Instead, we offered her a line of credit from the Mom and Dad bank. She was intrigued. We told her that, with no money down, if she paid us at least $5 per week from her allowance for 72 weeks ($20 per month for 18 months), then we would buy her the iPad. All of this contingent on her doing her weekly chores she does for her weekly allowance, which she always does. 

She said she wanted to think about it. We said that's great. Buying something on credit you may or may not want to afford, or shouldn't afford, or can't afford, is a new lesson for our daughters to learn. Beatrice thought about it, asked questions, thought about it some more, asked more questions, and then finally decided she wanted to do it.

I said she'd need to sign an agreement to make it official. Mom didn't think it was necessary, but let me do it anyway. I just wanted her to understand that this is something she'll have to do later in life and that when you agree to credit, you'll have to pay up or negative consequences will come. I didn't go into any detail on that yet, because she is only 12. 

It's enough of a lesson for Beatrice to understand that you can buy things on credit (hopefully within reason) even if you don't have the money saved to do so. Every week Bea and her sister Bryce work for their allowance and then put money into three buckets: spend, save and give. This means money to spend, money to save and money to give to others, charities, etc. 

Bea loves her new iPad. We did cover the extended warranty and buy her a cover, but she's already paid two installments on her shiny gold device.

When I had her sign her credit agreement, she said, "Really?" And I said, "Yes." She signed it. 

She's in good hands, though. The Bank of Mom and Dad is a compassionate and forgiving creditor. 


Other "Days of Coronavirus" posts:

Sunday, November 18, 2018

It Always Burns a Hole

"Big money make a million dreams
Big money spin big deals
Big money make a mighty head
Big money spin big wheels..."

–Rush, Big Money


Because it always burns a hole in their pockets. The moolah. The cheddar. The dough. The cash so hot its molten gravity opens up the earth and speeds toward the glowing core to super-ignite and annihilate the universe.

Or, more accurately, it wants to head to a nearby store. For new toys or treats and other random crap. The girls have been earning their own money, kind of, off and on for the past year, maybe more. The Mama (what I lovingly call my wife) helped them identify something to do -- fold the clothes, unload the dishwasher, wipe off the counters, feed the bunny, unpack their backpacks, etc. I bring the air support, kind of, reminding them to do their tasks if they want to earn the designated amount of money.

The money that burns a hole in their pockets. But we have to start somewhere.

For me, it all started as a child around eight years old with a $0.25 weekly allowance. That's one quarter per week for my sister and I helping our mom around the house. Yes, it was a long, long time ago, and we did grow up with very little extra money -- just enough to barely make ends meet. But, our mom did want to instill in us a sense of responsibility and reward. And after a few weeks, that amount of money went a lot farther back then at drugstores (five and dimes) like Thrifty's and Woolworth's.

Wow, do any of these kids today even know what five and dime means? I know, right? Probably not. Our kids certainly don't. However, they do know the dollar stores, and that's a place where a dollar can still go a long, long way.

Then, with our crazy and abusive first step-dad, my sister and I got a dollar per week allowance -- but, we'd get demerits, money subtracted from our allowance if we did something wrong and/or didn't complete our chores around the house. My poor sister got the brunt of this punitive approach, sometimes ending up with a deficit that ate away at future allowances.

I'm lifetimes away from those days now, and the Mama and I haven't and won't take that approach. We're fortunate to have a little extra cash to spend on our kids than either of us had as children. And that's why we want them to learn the value of earning their own money that they can spend on whatever they want. Within reason.

Which is why the Mama brought home an idea from a friend about "saving, giving and spending" money. This means that we'll have them save a portion of their allowance, give away a portion of their allowance to help others, and to then spend a portion of their allowance -- the part they're most excited about, of course. We've been talking about establishing a more regular allowance for both girls based on completing weekly tasks, at least one to two tasks each per week (I want two, but the Mama says let's get them consistent on one first). And then they could earn extra if they did even more, beyond the allowance task/s and the everyday things they have to do anyway, something the Mama and I didn't exactly agree on (another story for another time), but have worked through.

Now each week they'll get six dollars each week (I know, right?) for allowance for completing their tasks/chores/whatever you want to call them. And each week they have to put at least $1 in each of the "save" and "give" envelopes we've designated for them, and then the balance can go into the "spend" envelope, which they can use at the dollar store, or for bigger ticket items when we go to Disneyland over Christmas.

It's funny, because our oldest, Beatrice, just watched a commercial about Universal Studios and celebrating the holidays at Harry Potter World. I said we'd go there someday, even if she didn't care for Harry Potter (I know, right?).

"But I do want to go," she said. "Let's go there."

"No, we'll go there someday," I said. "But we're going to Disneyland again this year. It costs a lot of money to go to these parks. Guess how much it costs just for our Disneyland tickets."

"Um...a million dollars," Beatrice said, amused with herself.

"No, not quite. Try again."

"Twenty-thousand dollars."

"Nope."

"Twelve thousand dollars."

"Nope. Not that much. Goodness, we wouldn't even go once for that much."

"I don't know then."

"One thousand and five hundred dollars for all four tickets. So you better start saving."

"I'm already saving for the girl Stitch stuffed animal at Disneyland. You have to pay for the rest."

Of course we do. I know, right?

Because it always burns a hole in our pockets. A really big friggin' hole. And we're grateful we can afford the hole. For now, at least. Which is why we also do our best to practice what we preach, with the saving and the giving, especially coming back from the brink of oblivion during the great recession, still not so long ago, like so many others have done.

Yes, it always burns a hole, this fragility of finance, and yet the economy is humming again. For now, at least. Teaching our children financial responsibility is serious business.

"Big money got a heavy hand
Big money take control
Big money got a mean streak
Big money got no soul..."

Saturday, December 16, 2017

Our Gig Economy Kids

We're in in the business of no.

"No, you can't fill the sink and wash your horse."

"No, you can't slide down the stairs on your butt."

"No, you can't pretend the guinea pigs are your puppets."

"Oh, and please remember to shut the freezer all the way after you've opened it."

"We do shut it!"

"No, you don't."

Sigh.

So many no's nearly everything single day, that if they weren't kids with still-developing frontal lobes and personal awareness and impulse control, they'd probably be posting bad reviews on the parenting-as-business equivalents to Glassdoorkununu and Indeed. If you're not familiar with these online platforms, they're employer job sites and review sites where job candidates and employees can post anonymous reviews about their job search and employment experiences with any particular company. Candidate experience is real for both kids and adults and can be positive and negative.

So, like talent acquisition professionals everyday, we as parents are in the business of no. Except that we're not saying no to 99 out of 100 different people who are applying for our jobs, we're saying no 99 out of 100 times to our children who are doing questionable things and who aren't doing the jobs we want them to do.

Over and over and over again.

It comes with the parenting territory. They are the raw talent and we're doing everything we can to teach them well and skill them up. To the point that one day they'll take what we've taught them -- combined with what they've gleaned from peers, teachers and even other bosses once they start working for reals -- they'll take all that and apply it to their future world of work. Maybe even apply their maturing #BhivePower as we like to call it, their aspiring gumption, and become entrepreneurial to make their own way for themselves as well as many others who may work for them someday.

"No, you can't dump any more of your tiny Shopkin toys onto the floor, but you can start picking the ones that are out and everything else on the floor. Please. Now. Thank you."

"No!"

"Yes, right now."

"It's so unfair."

"Pick up your toys."

Sigh.

"And please remember to close the freezer after you've opened it."

"We do close it!"

"You do not -- not all the way."

"We do too!"

Sigh.

It comes with the kid territory. To want to play, play, play and then not put anything away (or shut freezer doors all the way). But once they're old enough to start listening and taking care of business, no matter how much they fight it, then it's a win. And then you have independent contractors under your roof that aren't subject to federal, state or local employment laws. Contractors with benefits who benefit us.

No, we don't have them making t-shirts for sale out the of garage, so no need to report us. But we do want to instill a sense of responsibility that comes with some tangible rewards, like the money to buy the tiny toys they love to dump out onto the floor and play with.

At first it was the one-off's, the "please help me clean off the counter and you can earn a dollar to buy that thing you want." We've done that for the past couple of years and then the Mama (what I affectionately call my wife) more recently developed a chore chart and we've graduated the girls to an allowance. It's a weekly paycheck of sorts that they can make up to $X -- but only if they complete their chores. Otherwise, their allowance will be commensurate with what they actually do, something that's definitely non-negotiable in our little world of work.

Is it the most effective and efficient application of chore doing getting done? Of course not. Have you seen our daughters clean the kitchen counters off with a cleaning wipe? Tiny concentric circles that swipe quickly across the counters, only moving bacteria from one concentric circle to another.

Life hacks gotta start somewhere, though. And at some point we definitely need to depend on our children to help get us keep the house in order and get the stuff done that needs doing, week after week, day after day. It should serve them well into young adulthood, and at least for now it's working. Mostly with our oldest, Beatrice, although Bryce will come along (if she wants the money).

It comes with the parenting territory. They are our gig economy kids and we're doing everything we can to teach them well and skill them up with enough (mostly) positive life experiences that will offset their eventual personal upsets and downsizes.

Later, after they've gone to bed, I say:

"The girls still aren't shutting the freezer all the way, and every time the temperature just climbs and climbs, and I'm the one who has to shut it tight."

Pause. The Mama shrugs.

"Honey, relax about the freezer door. It's not the end of the world. I try to make sure it's shut."

Pause. I shake my head.

"No, I'm the one who shuts it all the time."

Pause. The Mama shrugs.

"Hey, at least they wipe their own butts now."

Pause. I nod.

"Sure, but they don't flush all the time."

Pause. The Mama shrugs. 

"So, you'll make sure they close the freezer tight?"

The Mama walks away.

Sigh.