Girls Day out.

Today we celebrate my Mother’s birthday. I am so thankful to have her here. Three years ago she had a series of strokes & we weren’t sure if she was going to make it, or how her quality of life would be. Today, she is nearly normal-if there is that. She walks with a cane, has some hearing loss, but she is happy she gets to park in the closer spots. And thankfully today she remembered her disabled tag for my van. Why? Because we all got together, drove out to the mall & spent the morning together doing this….

How I spent my morning

From right to left-My Mom, My Aunt, Giggles, Me, The Chicken, and my Sister in Law.

Teaching our girls that time=money

Ever since the girls were big enough to pick up their things we have had some sort of reward/chore chart.  When they were around three or so it was for stickers and gummies but as they got older the stakes went up as well.  When Giggles was 5 I created a chart with all the household chores on it, and boxes for each day of the week next to the chore.  She could chose whichever chore she wanted and when it was completed she would check off the box that would correspond with the chore and day.  At the end of each week we would give her a dime for each check mark she had on her chart.  (Yes I know we were working her like a little sweat shop worker, but she loved those dimes darn it!)  She would save up her dimes in her “special place” I think it was a coffee pot in her kitchen set, but I can’t quite remember and she would never spend them.  Most children get money and it burns a hole in their pocket, but not Giggles she will hold on to the cash for dear life.  I remember when it was too many dimes to handle and I tried to change her out to bills.  She flipped out on me thinking I was stealing her money. 

Chicken, well, Chicken is freer with her money.  With our money as well.  She is a girl for a bargain.  She even falls for those ads at Target on items that aren’t even on sale.  They are the “As Advertised” Specials at Target.  Sometimes she will ask for something and I will tell her that we simply don’t have the money right now but if she would like to save some money towards it, I would happily bring her back (plus it might be on sale or even better Clearance) Her reply is normally “Let’s just put it on the credit card”  
Ummm, sweetie, I hate to break it to you but I have to pay the nice people at the bank when I use my credit card, so let’s not.  K? thanks!
But the greatest way to teach the girls money didn’t come from money at all, well not really.  It came from our arguments over when you can wear what clothes or coat outside.  I have a teenager who thinks it is cool when there is about a foot of snow on the ground and it is in the teens outside that she shouldn’t have to zip up her coat.  I also have a fashion diva tween on my hands who thinks that hats and hoods and boots are the devil of fashion and she should not, under any circumstances, be caught dead sporting things to warm her body, or pants for that matter.  (Geez, get your mind outta the gutter the girl likes to wear skirts) 
So, one very cold winter day I sat the girls down.  I took out our medical cards and showed them how much our co-pay is.  My statement was simple.  ”If you want to dress however you want and cause yourself to get sick and make your asthma flare then please hand me $150 in cash and you will have a one day free pass”  Now I know what you are thinking, why in the world would you ask for $150.  The reason is simple and I will explain it for you.
1. Our co-pay is $20 for an office visit.
2. With them being asthmatic we normally walk out of these visits with at least 2 meds each at $10 a pop.
3. there is the gas to get us there because we live about 20 miles from our doctor’s office
4. It takes about 3 hours out of my day to do this doctor and script thing
5. Since I will be closed in a car with them and exposed to a bunch of sickies at the office, 
I am bound to come down with something as well.  
When both of them heard what I had to say and then had their Dad back me up on it, well, they were both shocked and realized that money is important.  
We also to put into perspective when we purchase something just how long Dad had to work to pay for it.  They realize that time=money and how it just doesn’t fall into our laps.  (if it falls into your lap just let me know how that happens, k?)  
Since I have messed up my wrist the Chicken wanted to know how much it has cost us so far, and if we didn’t have insurance how much would it cost then.  So, with teaching them about money I guess we are teaching them some responsibility as well.  That you need to have a job, that might not pay you the best, but has good benefits.  
Well, my mind has trailed off a bit and I had a great point but alas it has escaped me.  I wrote this post in an effort to win a free i-phone and share my lovely way of getting the kids to bundle up in the winter, hit them in the pocketbook, it hurts even the littlest of teenagers. Head on over to Here  or Here to see more of posts on how to teach your kiddos about money.  
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