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Debate Club: Should We Pay Kids for Chores?


Why I Don’t Pay My Children to Do Chores

By Kathryn Trudeau

The night my husband and I decided we were ready (ha…ready) to start our family, we went out to a diner to discuss how my career would change, how our finances would change, etc. Like most non-parents, we had a laughable list of things called “Things We’ll Never Do as Parents.”

Okay, it wasn’t a literal list, but the point remains. While many things on that list have, in fact, been committed by either myself or my husband, one thing has stuck: We do not pay our children to do chores.

Growing up, I had my own set of cleaning duties, and I was never paid to do any of them. I never felt shorted, gypped, or indentured. In fact, our home was the cleanest to ever house two young children. Scratch that. It was the cleanest home, period.

Now, as my husband and I introduce our son, who is five, to household duties, he has jumped in with both feet. He knows how to fold his socks and underwear. He helps empty the dishwasher. He can use a rag to help dry the floors after a good scrubbing. As the saying goes, “Many hands make light work.”

Beyond my own experience, there is good scientific reason behind ditching the payment, and no, your house won’t turn into a trash bucket.

Payment diminishes the lesson

Paying kids to do chores eliminates any educational opportunity. The lesson of how and why to keep a clean home are replaced with a motivation for money.  You cannot teach a child to clean for the sake of cleaning when all they see are green dollar signs.

New York Times financial columnist Ron Lieber weighs in on the subject:

“At some point they’re going to get wise to the whole system. [They’re] gonna say to [their mother], “We don’t want to do the chores this week, and we don’t want to do the chores next week, and we don’t want to do the chores next month.” And then she’s in a little bit of a pickle, because the deal she set was that they get paid if they do their chores, which will [teach] them that if they don’t want the money, then they don’t have to do the chores.”

As Lieber pointed out, this pay-for-chores systems teaches kids that to escape chores, they merely have to relinquish payment. In reality, however, chores are inescapable, unless, of course, you like filth.

When your kids grow up, they will have their own houses that require cleaning. Why not set them up for life by instilling the habit of cleaning for the sake of cleaning?

Payment dampens enjoyment

Dampens enjoyment? Who is this crazy lady, and how on earth can chores be enjoyed?

In the early years of our marriage, my husband and I let our chores slide one week. We planned on spending a Saturday to rectify that. As we divided the chores, I tried to get out of kitchen duty. I had made a rather messy dinner the night before, and I didn’t want to scrub those pans.

My husband, however, actually enjoys cleaning the messiest room/pan/whatever, because he feels a sense of pride watching the transformation. If my son only focused on the money, he would lose the opportunity to take pride in his work ethic.

Payment for chores breeds entitlement

While many parents opt to pay for chores as an attempt to thwart entitlement, it actually does the opposite. It sets the stage for entitlement, because it teaches kids that everything revolves around them. It puts the child above the needs of the family. It begs the questions, “What’s in it for me?” and “What do I get out of it?”

On the flip side, “free” chores teach that everyone has a role to play and that everyone must contribute. A family is a community, not an employer-employee situation.

So how do kids learn about money?

The biggest argument in support of paying for chores is so kids will learn to manage money. But the two lessons do not have to be linked. Use chores as an opportunity to teach about cleanliness and familial responsibility. Use allowance to teach about money.

Whether you use the jar system or simply hand out cash, allowance is a great way to teach children the basics of money management. Think of allowance as a stipend, not as pay for work done. A study published in the “Journal of Economic Study” revealed that young girls ages eight to 10 who earned an allowance managed their money better than girls who did not earn an allowance.

The topic of money is always touchy. Add in children, and it’s no wonder that this topic can divide the masses so quickly. If you’ve never tried a “free” chore approach, talk with your kids about how a family is like a community that supports each other. Answer their questions, and try it out.

You still might end up with dirty socks on the floor, but that’s par for the course, right?

I Made My Kids Earn Their Allowance

By Kimberly Yavorski

Like many parents, when my kids were small I felt overwhelmed by how much there was to do. In addition to taking care of my children, I also had a home to maintain – one that was continuously trashed by said children.

I eventually came up with a way to help them understand why Mommy couldn’t play with them ALL THE TIME, and that we could all have more fun if they helped out.

We talked about how certain things needed to get done to have a healthy, happy home. I pointed out that when Mommy did all the work, she had no time for fun things, but that if they helped, we’d all have more time for fun things. They listened and nodded and were even excited about the idea of being able to do some of these very grown-up things.

I made a list of chores and gave each a point value. I made sure to have chores that the youngest could handle, such as setting the table, as well as those that the older ones could take on, such as cleaning the bathroom or the litter box. The easier chores earned one or two points, the more involved ones earned more.

Then I made a list of things that they could cash in those points for. I called them “Privilege Points.” The list included things like having a friend sleep over, screen time, and a special outing.

The chart worked (for a while, anyway), and I think it was largely due to two things. The point system worked like a game, and my children, who are a bit competitive by nature, could keep track of their points and brag about who had the most at the end of the week.

The other positive part of it all, from their point of view, is that it gave them a choice. They had the freedom to choose which chores they did and, for the most part, when they did them. They could also choose to not do any chores with the understanding that they would earn no special privileges.

Like so much of parenting, the chart evolved over time. In fact, my kids probably don’t remember this version. (I myself had forgotten it until I came across it in old files.) As the kids got older, the items on the list changed. When the topic of an allowance came up, it made logical sense to transition from “privileges” to cash.

Over the years, I have read articles extolling or condemning the concept of doing chores for cash and understand the very valid points made. Those on the yes side say that adults earn money for work they do, and children should learn that as well. The other side protests that basic life skills should be learned by everyone, that taking care of oneself and one’s surroundings is a necessary part of life, separate from “work.”

I thought back to when I first started getting an allowance. My father approached me, telling me he would give me a set amount each week for making my bed (apparently that was an issue) and watching my younger sister when my parents were out. Since I had a problem with the whole idea of forking over cash to my kids simply because they existed, this approach made sense to me. I could give them money and help them learn how to manage it. Through this, they would learn that rewards are earned, not simply handed out.

So I adjusted the plan. The objective: to complete chores with a point total equal to their age. In return, they got their weekly allowance. I continued to stress the community aspect of doing chores, how it benefited the entire family, and that everyone needed to make a contribution. Some tasks, such as caring for their own things, putting away their clothes, and clearing their dishes from the table, were expected as being a part of the household and, thus, not on the list.

This system wasn’t perfect. There were times my children came into money from part time jobs or gifts and didn’t “need” that allowance and would choose to not do their chores. Of course, that also meant they would not receive their allowance.

I don’t agree that an allowance should be completely without strings attached. I don’t want my children to think they’re entitled to anything, simply for being. I do, however, believe the ground rules matter.

I gave my kids a choice: Be a part of the family, contribute to the common good, and get to share in the financial success of the family. Or don’t, and have less cash to spend on items their allowance was meant to cover (namely “wants” as their basic needs were always covered).

It has been years since the chart was posted on our refrigerator. Every so often, someone would casually ask about it, but I no longer saw the need for it. As my kids grew into their teen years, the homework load increased dramatically, and I found – at least in our family – that teenagers don’t trash the house the way younger children do. Some of the chores became obsolete. For the most part, my kids cleaned up after themselves (sometimes with prodding) and volunteered to help with other tasks.

Keeping track of points was no longer necessary.

As young adults, my kids no longer get allowances (their part time jobs finance their social lives), but they still help out around the house. They may not always notice when something needs to be done, so I simply ask whoever happens to be in the room at the time, and the job gets done with little argument or delay.  

They all know the value of a dollar and have no expectation of receiving money they haven’t earned. Unlike some parents I know, I don’t get requests for money. Their accounts may get low, but they find a way to manage it until the next payday.

I consider this a parenting win.

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Burnout is something we all experience and stress from your finances may play a major part in that. Fortunately, there are steps you can take to combat financial fatigue and finally feel like you're in a positive relationship with your money.

Here are a few tips that will help to reduce your money stress—to ensure that you're equipped with an actionable plan to take control of your finances and finally meet your money goals.

1. Know where you stand

The best way to counteract getting overwhelmed is getting organized. First thing's first: rip off the band-aid, look at how much your household has spent (and on what). Spend time checking your bills and looking at your bank account balance and credit statements to get a clear picture of where your finances are at.

2. Adjust your budget

Rewrite your budget to fit your current reality. Budgeting can help you see where you can cut unnecessary expenses and increase flexibility in your family's choices down the line. If you have to tighten your belt for the first month or so of the year to ensure you're paying back your holiday debts, so be it.

If budgeting feels overwhelming, start with an app that can simplify it. Mint, for example, allows you to create budgets that make sense for you. You Need a Budget breaks down your spending as well.

3. Take action to boost your credit score

Here are three ways to do just that:

  1. Set up autopay: Whether or not you make payments on time is the most important element in the calculation of your credit score. As long as you pay your bills on or before the deadline, your score will be in good standing. Turbo is a great, free resource to monitor how your credit score is affected by your bill payments.
  2. Know your credit utilization: Something that we don't always take into consideration is our credit utilization. Your credit utilization is the ratio of your credit card balances to credit limits. If you're using your credit cards responsibly and paying bills on time, you will lower your credit utilization percentage, thus increasing your credit score.
  3. Keep old accounts open: Your credit age makes up 15% of your credit score, and the only way to increase the age is to keep old accounts open and avoid opening new ones.

4. Set clear goals and hold yourself accountable

Does your family have big vacation plans, or maybe a new house is on the horizon? Make sure that you're considering both short and long-term goals early on, so they don't creep up on you. Be honest with yourself from the get-go so you can plan and prepare for your upcoming expenses. Once you've set your goals and your focus is on getting back on track, hold yourself accountable by setting regular check-ins to track your progress.

5. Be easy on yourself

Events, like the holidays, birthdays or vacation are meant to be celebrated, and that means festivities, fun and (maybe) some frivolousness. Don't beat yourself up if your bank account looks different than you expected after they're over. As long as you're actively working toward your financial goals, being consistent and being patient with yourself, your bank statements (and financial fatigue) will even out.

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Baby clothes are SO cute.

Maybe it's because they are typically either designed to make children look like little bears or mini-adults. Or maybe it's because they're just so tiny? 🤷 Any which way you look at it, they're beyond adorable. I mean—what human can resist an infant who looks like a tiny, soft bunny?

Cute as they are, they're also kind of pricey. And babies grow quickly, which means they need new sizes quickly. Oh, and also they get poop and spit-up on a lot of stuff, and then they eventually graduate to stains that are of the paint and peanut butter variety.

The lesson? The cost of baby clothes (and don't get me started on shoes that fit them for two seconds) adds up, but on the other hand—with the amount they grow and stain things—you sort of feel like you need a lot and that you're always looking for the next size stuff.

I swear, I just brought up the 18-month clothes, but now I need to get the 24-month size clothes out. (How is such a large part of motherhood constantly cycling through clothing that fits/doesn't fit your baby anymore?)

Cue: Hand-me-downs.

I found out the sex of my babies each of the three times I was pregnant: girl, girl, and then girl again. So, let's just say, we have gotten our money's worth with children's clothes over the years. Plus, my kids have cousins around the same ages so we've gotten a fair share of hand-me-downs from them, along with random pieces like snowsuits or extra swaddle blankets from friends. They've all been a godsend.

I've always been kind of sentimental about clothes—I can often tie memories to what I was wearing. My 21st birthday party? That very short blue and green floral number. The night my husband proposed to me? An ugly work outfit that I changed out of before we went out to dinner to celebrate (😂). My hospital stay for my youngest daughter? New black pajamas I treated myself to.

But somehow—likely the extreme cuteness levels—baby clothes kick the sentimental levels up about a hundred notches.

I remember the first piece of baby clothing I got as a gift when I was pregnant with my oldest daughter. It was a sweet pink one piece with a little teddy bear in the center. It had an eyelet detail to it and the feet looked like little bear paws. My mom gave it to me the night we told our families that we were having a little girl.

I remember imagining how the tiny little human inside me would be able to fit into this tiny little outfit.

I remember imagining what it would be like to button her into it and hold her while wearing it.

I remember finally dressing her in it and marveling at how amazing all of this was. I was a mother, and this was my baby.

I remember buying each of my children's coming home outfits and what they wore for their first Christmas. I remember seeing each of them in specific outfits that the other one wore, truly in awe that this was a new human we created, in the same outfit the other human we created wore.

I remember putting a hand-me-down sweater on my daughter that was once her father's sweater. I never knew clothes could melt my heart until that day. Seeing some of the one piece pajamas my girls wore all the time—like those monkey jams and the multicolored striped Zutano onesie—bring me back to the time of my life when I was a "new mom" again.

But then I remember thinking, okay, we have a LOT of clothes, and we can't keep them all. Even if we have another baby at some point down the road, we need to get rid of a lot of stuff now. It's overwhelming.

So, as Marie Kondo might advise, I've sorted through the clothes that no longer fit my kids and I've kept the pieces that still spark joy. Those pieces are now used as doll clothes or are safely tucked away in my children's memory boxes in the basement so that they can have them when they're older.

The rest? We have either passed them on as hand-me-downs to other families or we've donated them. And honestly, giving another family who could use our hand-me-downs (we've spared them the ones with poop and spit-up stains!) feels just as great, if not greater, than scoring helpful hand-me-downs for your own kiddos.

It's one way the village is there for you in motherhood. I can't, unfortunately, get to my sister and my niece five hours away from me to drop off a container of soup for dinner or to take her to the park to give my sister a break for an hour—but I can pack up my daughter's clothes and bring them down the next time we visit.

In the busyness of our day-to-day, my friend and I can't nail down a time to get the kids together—but she can lend me a snowsuit for my youngest to use—coming in the clutch and saving me about $50.

Getting a bag of hand-me-downs from another mom is equivalent to getting a big, genuine hug from a mama who knows how hard this all can be. She is thinking of you, reaching out to you and extending a helping hand. And the best part is that this helping-hand-me-down chain can continue because the clothes she gives you can then be passed along to another mama and so on and so on.

Who knew that these little cute pieces of clothing could connect us all in such a gushy, beautiful way?

To all the mothers who have passed their hand-me-downs on to another mama in need—thank you. Keep on thinking of ways to help your fellow moms when you can, because we really are all on this wild ride together.

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Christmas Eve is a rare birthday, and it's a fitting birthday for a baby girl who was a gift to her own family, and those of other sick babies.

When Krysta Davis was four months pregnant with her daughter, Rylei Arcadia Lovett, Krysta and her husband Dereck got some heartbreaking news. Baby Rylei had Anencephaly. Her brain was underdeveloped to a fatal degree. Doctors gave Krysta the option of having Rylei then, in her second trimester, or carrying her to term so that her tiny organs could be donated to babies who needed them.

"If I wasn't able to bring my baby home, at least others could bring theirs home," Davis told ABC affiliate News Channel 9.

As heartbroken as she was, Krysta carried her baby girl for five more months, giving her body time to grow the organs that would be such an amazing gift to families who were in a kind of pain the Lovetts know all too well.

Doctors told the couple that Rylei would probably live for about 30 minutes after birth, but Rylei held on for an entire week. "There's no way to describe how amazing it felt. When you go to thinking you'll only have 30 minutes with your child and you get an entire week," Davis told News Channel 9.

For that week, Rylei got all the cuddles and skin-to-skin contact a baby could ask for. "I wouldn't trade this week for anything in the whole wide world," she wrote on a Facebook page dedicated to Rylei's memory, adding that she was so proud of her daughter and the fight she put up.



Rylei was then taken for surgery, and although some of her organs were no longer viable due to oxygen loss, some very important ones were.

"They said her heart valves will go toward saving two other babies and the lungs will be sent off for research to see what else can be learned about Anencephaly from them," Krysta wrote.

Krysta and Dereck only got to hold onto their baby for a week. It's not fair and that pain is unimaginable. But now, two other families will get to hold their babies for a lot longer. It can't take away Krysta's pain, but it does make her happy to know that somewhere, another mama is holding a little piece of Rylei.

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One morning, after a rousing rendition of up-every-two-hours-with-a-teething-baby, bleary-eyed and fully-caffeinated, I texted my best friend:

I am 100% done having children. I can't do this again.

She came through with some sympathetic words, mood-lightening emojis and a gentle reminder that this is temporary. "It's the fatigue talking," she suggested.

But no, it wasn't just the fatigue talking. That morning, sitting like a zombie in my office cube, I meant it. The night before, as I rocked my youngest and stroked her wispy baby curls, I knew I was done.

She chewed on her fingers and looked up at me with wide eyes and a tear-stained face. We locked eyes, and while I didn't resent her at that moment (how could I?), I did feel a sense of finality with this stage of motherhood.

I realized that I'm ready to move on. I'm ready to watch her grow into a person and move beyond the baby years.

Eventually, life moved beyond that evil emerging molar, and we settled back into our routine. I returned to being a functioning member of my team at work. And at home, I'd catch myself smiling, looking at my two girls as they played together with my husband. This is what our family is meant to look like, I thought. Life is loud and full and happy. I don't need anything else.

Then, one night as we were getting ready for bed, after a visit with some friends who are expecting their first baby, my husband said it: "I miss when you were pregnant."

My heart raced a little—surely he didn't mean it. He must just be having a weak moment after seeing our friends with their baby. HE had been the one who was adamant that two children was enough for us. HE had been the one to quickly shut down any "what ifs" that I'd raised. How could he be saying this right after I told myself we were done?

So, I reminded him. "No, you don't. You don't miss my cankles or carpal tunnel syndrome or my high blood pressure. Or my complaining and flopping around trying to get comfortable in bed with no less than six pillows. Really, you don't."

But he missed the other stuff, he said. The magic of it all—feeling the baby move, wondering if it was a boy or a girl and what our family dynamic would be like when the baby arrived. "Relax," he'd said. He was just being wistful. He assured me that there were no more babies are in our future.

As he rolled over that night and went to sleep (easily, might I add), I lay awake reliving his words. I knew what he meant. Growing a family together is a special time, one filled with awe. After this particular conversation, I was 75% sure we were done having kids.

Life settled back in again, but this time my 4-year-old threw me. She climbed up on the couch, into my lap, and put her arms around my neck.

"Mommy," she sighed and paused dramatically as though a big proclamation was looming. She pulled back and looked me in the eyes, "I'd like a brother."

I laughed it off and explained that she had a sister, which was so great. I only had a sister, Daddy only had a sister and we are all very happy people. She brushed me off after a couple of minutes and ran off to play.

But then I found myself thinking. What's one more kid, really? We know what we're doing. We'd be so much more relaxed. We already have a minivan for cryin' out loud!

In my heart of hearts, I believe we are done. I'm grateful for what I have and I love our family, but there are small moments where I catch myself wondering if a little boy would round us out. If we just waited until our youngest was a little older…

It's these moments of second guessing myself—the wondering, the daydreaming—that get me. But it's also the big moments of practicality and reason (hello, day care costs) that then reel me back in. We're doing fine just the way we are.

So, like I said…

That's how I know I'm 50% sure we're done having children. 😜

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