tips for raising charitable children

This past holiday season my youngest was (is) 3 years old and it was our first experience, or first time that it was appropriate, to begin discussing charitable giving with him. It began at the grocery stores, because they had giving trees or charity trees, or piles of gifts to be given away. He would look at the toys under the tree and I would explain to him what they were for. It’s also becoming apparent that despite only being three years old, his line of thinking is becoming sophisticated enough to understand more concepts than I thought, and that teaching him to be gracious and charitable is fairly simple, as long as I pay attention to my own language.

Don’t threaten them with charityraising smart spenders

One of my biggest pet peeves about our society is that so often, charitable giving is seen as punishment. Just ask Lindsay Lohan! But seriously, why is “community service” a punishment? Shouldn’t you give back to your community just because it’s the right thing to do, and not under threat of imprisonment?  Sure, make criminals pick up trash or clean toilets or something else undesirable, and then let’s call it that–“sentenced to 40 hours of cleaning graffiti off of buildings.”

In some families, this happens daily at the dinner table. “Eat your dinner. There are starving children in the world.” How does that make a kid appreciative of donating to a food bank? Now he associates starving children with my shepherds pie that he loathes. I found myself doing this once, when it came to toys that I was picking up for the umpteenth time. I told him that if I had to pick up these things again, I was going to give them away. Then, I thought about that phrase and how it was setting up donating used toys as a punishment. Now I stress the importance of taking care of the nice things you have, and if you care about not having the dogs find them and chew them, you put them away.

Be visible with your charity work and donations-and take credit for it!

When you are donating, have them present with you or talk about it at the dinner table, or in the car as you’re going to drop off items or mail an envelope. Tell them what you’re doing and why. Let them participate as appropriate-let them put coins in a donation jar at the store or help pick out their own gently used toys to give away. Choose your language–instead of “I’m going to go work at your school for the book sale” use “I’m going to go help out at your school for the book sale.” Using the words help or volunteer instead of work helps them differentiate. Use the words “give” or “donate” instead of “I’m going to drop this off…” Keep your donating and volunteering language present, evident–take credit for what you are doing!

Teach them to be gracious and thankful

I’m not so militant that I don’t let my kids play with gifts until the thank you note is written, which is a suggestion I read online recently. Geez! Talk about a total buzzkill on Christmas morning! But I have always involved them in the thank you note writing for every occasion, even if it meant they were in a baby swing next to me while I did it. Now, he is able to write  a “B” that he is very proud of, so that’s how we did our holiday thank you notes. He added his B.

Remember that little kids have no concept or frame of reference around value of things. So if your 4-year-old asks for several gifts that are $300 each, don’t fret over raising a spoiled brat. He just has no idea how much things cost vs. how much we earn–he just knows that he sees something that he likes and wants. Talk to them about what is an extra special gift, and why, and how to earn extra special gifts and so on.

Set the tone and be positive

Everyone in our society has something to offer. Sure, if it’s a sunny Saturday, I can think of 10 things I’d rather do instead of a heavy work session at my kid’s school or working the concession stand at a ball game. But everyone has to pitch in, so we might as well enjoy it. Even if you’re dreading it, don’t let your kids know. Use “It’s our turn to go clean the church pews but if we work hard, we’ll get it done quickly” instead of “blargh……..we HAVE TO go clean the church pews.” That was admittedly my LEAST favorite thing to do as a kid, even though I didn’t do much cleaning. There were no Leap Pads or similar devices to distract me as a child; I just sat in the church pews bored to tears and longing to run around (which of course we weren’t allowed to do).

Remember, children are learning all the time, so what are you teaching?

 

{Raising Smart Spenders} Virtual Piggy teaches budgeting and responsible online shopping

My 3 year old has amazing tech skills. It took him all of about 15 seconds to figure out how a cursor and mouse work. The only thing he can’t do yet is spell (he knows his letters) so he needs me to get him to his favorite sites to play games. On our Xoom tablet, he not only knows how to launch his favorite apps, he knows how to get to the app store, find an app, and then he knows that if it has a price listed he can’t get it. But if it says “free” he knows how to put them on the tablet. He has to be watched pretty closely because our tablet is always loaded up with junk that we have to clean off.

As I’m doing this review, it’s Cyber Monday and Americans are expected to spend billions of dollars today, all online. Online shopping has become a way of life now, not just a fad or a trend. So I was thrilled to be introduced to Virtual Piggy.

Virtual Piggy is a great way to teach your kids budgeting and online shopping, with responsibility. The parent sets up the account and links it to an existing account. You can pick a credit card or Paypal. Then, you set parameters for your kids–You pick the stores, the amount they can spend and so on. You can add their allowance to Virtual Piggy, a birthday gift and so on. The kids can even create wish lists that you can share with relatives.

I really like this for so many reasons. First, I find that for myself and my husband, we shop more responsibly online just because of the nature of online shopping. There aren’t many impulse purchases, because no matter what you buy, the earliest you can possibly get it is the next day. And, I like being able to set the limits for them, my little guy really does understand limits that are put on him. There are a good number and nice assortment of stores to choose from too.

The holiday shopping season tends to be when many Americans overlook their budgets and just spend, spend, spend. That’s why there’s no better time than now to introduce your kids to Virtual Piggy.

Now is a great time to try Virtual Piggy. From now through December 7, they are having a “Win Your Wishlist” contest. They also have an online MVP program which offers special sales and promotions for members.

 

 

This is a sponsored post from Splash Creative Media on behalf of Virtual Piggy. All opinions are my own.

 

Talking piggy bank~$3.98 shipped! ends Nov 13

Today and tomorrow only, Drugstore.com is offering 20% off everything! When I clicked my offer, it said I’d get free shipping too (not express, though). So of course I headed right to the clearance department and found this:

talking piggy bank

Click to get yours.

What an awesome holiday gift or stocking stuffer! A great way to raise some smart spenders and teach your kids to be money smart. So, I added it to my cart to see if the 20% would come off, and it did! Woot!

Here’s all you have to do:

Go to Drugstore.com
Click “sales and coupons” button, over on the top right
When that page loads, scroll all the way down to clearance.
For me, it was the first item that popped up.
The extra 20% off is only today and tomorrow, so it will go back up to $4.98 then, if there are any left!

Have fun, I’m going to go finish my transaction now, they take Paypal! Maybe I’ll buy some extras and use them for a giveaway on this blog, goes great with the theme, huh?

I love combining codes and clearance!

Need Extra Money?

Need extra money? Search through your house and ask yourself these questions.

What do you have that you haven’t used in 6 months or more?

What clothes do you never wear, have crammed in storage totes or the back of a closet?

What clothes did your kids outgrow?

What decor do you never use?

Jewelry you never wear?

Storaged items you never use?

Gifts you never used, and come on, let’s be honest, never will?

Holiday decor you aren’t planning to use or sat through 2 seasons un-used?

SELL THEM!!

Ebay, Craigslist, consignment stores, FB  pages for selling in your local area, yard sales, seasonal kids’ clothing sales. Be creative. Don’t use just one outlet but try to cross-post smartly. Once you have your space organized with the things you want to sell it will make it much easier.

Make sure things are clean, unstained, all in one piece, and in good condition. If you have the packaging for it that is even better.

This summer I made $200 between 2 yard sales, $30 off a kids’ clothing sale, and approximately $30 through online networking with other locals through Facebook. It’s addicting. Thankfully most days I don’t feel like selling my kids. (JOKING – I wouldn’t want to sell my kids even on our worst days.) Even better, get your kids involved in selling. It’s a great way to teach them to be smart with money. This is especially beneficial when they have too many toys and want yet another new toy.

 

We would love to hear some of the ways you make money on the “stuff” cluttering up your house or a brag on your most awesome score. Please share in the comments below.