Buying clothes was : Passions that cost
Pampered Chef Michelle
On 5/15/06, Paige <paigehughes1972@...> wrote:
hung up on brand names and the girls LOVE thrift store shopping since you
can get three times as many clothes at a thrift store than you can at a
department store or the mall. They think it is so cool that they can get
nearly new jeans or skirts or fashionable tops for $2 or $3 a piece. We go
often and come out with big bags of clothes for about $20 - less than what
we would pay for just a pair of jeans at the mall. The other thing that
they love is that they have a huge variety of clothes to shop from. They
love that they can get an Old Navy top and a pair of Gap jeans at the same
place and for not much money. Emily has one of those odd bodies to fit
(she's has gotten a real hourglass figure) so she loves the variety so that
she can just keep trying things on rather than going from store to store.
She has a much better chance of finding something to fit her correctly than
if we were to go to the mall and spend a lot of money.
--
Michelle
Independent Kitchen Consultant #413652
The Pampered Chef
850-474-0817
http://www.pamperedchef.biz/michellelr
Ask me how you can save 60% on some of our most favorite products!
[Non-text portions of this message have been removed]
>I thought that as well. It hasn't been true with our family. We aren't
>
>
> I was actually considering posting about this exact thing a couple
> days ago! It suddenly occured to me my girls will eventually want
> more and better clothes than I can afford.
hung up on brand names and the girls LOVE thrift store shopping since you
can get three times as many clothes at a thrift store than you can at a
department store or the mall. They think it is so cool that they can get
nearly new jeans or skirts or fashionable tops for $2 or $3 a piece. We go
often and come out with big bags of clothes for about $20 - less than what
we would pay for just a pair of jeans at the mall. The other thing that
they love is that they have a huge variety of clothes to shop from. They
love that they can get an Old Navy top and a pair of Gap jeans at the same
place and for not much money. Emily has one of those odd bodies to fit
(she's has gotten a real hourglass figure) so she loves the variety so that
she can just keep trying things on rather than going from store to store.
She has a much better chance of finding something to fit her correctly than
if we were to go to the mall and spend a lot of money.
--
Michelle
Independent Kitchen Consultant #413652
The Pampered Chef
850-474-0817
http://www.pamperedchef.biz/michellelr
Ask me how you can save 60% on some of our most favorite products!
[Non-text portions of this message have been removed]
[email protected]
The clothing thing has come up for us. I am quite crunchy, my 15yo dd
is not <grin>.
She loves the mall, the latest fashions, being "preppy". Heaven to
her is the Aeropostale store and a latte <sigh> while her mom enjoys
farmer's markets and NEVER going clothes shopping.
The way we have handled it.....
I give her as much spending money as I can considering we have 5 kids
on one income and everyone has their passions. I also am available to
support her earning more money. I drive her to babysit. She worked at
the local gym for 3 years. It works for us as long as I am VERY
flexible about providing transportation.
I also even drive her and friends to the mall. While they run the
mall, spending all their disposable income, I drink one small soda and
read Mother Earth News. <grin>
Julie S.
is not <grin>.
She loves the mall, the latest fashions, being "preppy". Heaven to
her is the Aeropostale store and a latte <sigh> while her mom enjoys
farmer's markets and NEVER going clothes shopping.
The way we have handled it.....
I give her as much spending money as I can considering we have 5 kids
on one income and everyone has their passions. I also am available to
support her earning more money. I drive her to babysit. She worked at
the local gym for 3 years. It works for us as long as I am VERY
flexible about providing transportation.
I also even drive her and friends to the mall. While they run the
mall, spending all their disposable income, I drink one small soda and
read Mother Earth News. <grin>
Julie S.
HABIB OWENS
Hello,
My daughter too has a love for clothes and cooking. For the clothes she loves the limited too and that can be expensive but what we found was a book that helps you know your style and then we watched the movie pretty in pink and how Molly ringwald took old clothes and put them together for her own style and that helps my daughter with the way she shops and how much she spends.
Tywane
The way for a person to rise is to improve themselves every way they can, never suspecting that anybody wishes to hinder them. - Abraham Lincoln -
----- Original Message ----
From: Pampered Chef Michelle <pamperedmichelle@...>
To: [email protected]
Sent: Tuesday, May 16, 2006 8:27:13 AM
Subject: [unschoolingbasics] Buying clothes was : Passions that cost
My daughter too has a love for clothes and cooking. For the clothes she loves the limited too and that can be expensive but what we found was a book that helps you know your style and then we watched the movie pretty in pink and how Molly ringwald took old clothes and put them together for her own style and that helps my daughter with the way she shops and how much she spends.
Tywane
The way for a person to rise is to improve themselves every way they can, never suspecting that anybody wishes to hinder them. - Abraham Lincoln -
----- Original Message ----
From: Pampered Chef Michelle <pamperedmichelle@...>
To: [email protected]
Sent: Tuesday, May 16, 2006 8:27:13 AM
Subject: [unschoolingbasics] Buying clothes was : Passions that cost
On 5/15/06, Paige <paigehughes1972@...> wrote:
>
>
>
> I was actually considering posting about this exact thing a couple
> days ago! It suddenly occured to me my girls will eventually want
> more and better clothes than I can afford.
I thought that as well. It hasn't been true with our family. We aren't
hung up on brand names and the girls LOVE thrift store shopping since you
can get three times as many clothes at a thrift store than you can at a
department store or the mall. They think it is so cool that they can get
nearly new jeans or skirts or fashionable tops for $2 or $3 a piece. We go
often and come out with big bags of clothes for about $20 - less than what
we would pay for just a pair of jeans at the mall. The other thing that
they love is that they have a huge variety of clothes to shop from. They
love that they can get an Old Navy top and a pair of Gap jeans at the same
place and for not much money. Emily has one of those odd bodies to fit
(she's has gotten a real hourglass figure) so she loves the variety so that
she can just keep trying things on rather than going from store to store.
She has a much better chance of finding something to fit her correctly than
if we were to go to the mall and spend a lot of money.
--
Michelle
Independent Kitchen Consultant #413652
The Pampered Chef
850-474-0817
http://www.pamperedchef.biz/michellelr
Ask me how you can save 60% on some of our most favorite products!
[Non-text portions of this message have been removed]
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Lorah
Hi all!
I am brand new to this list. We've been unschooling this year with my
ds who is 6 and my ds who is 3. We are loving it!
This subject reminded me of a book I bought a LONG time ago after
seeing the author interviewed somewhere... don't remember where LOL.
It's called "Capitate Your Kids"
http://www.amazon.com/gp/product/0142000922/sr=8-1/qid=1147784262/ref=pd_bbs_1/104-7047441-8720712?%5Fencoding=UTF8
It's all about slowly turning financial control over to your kids,
starting small with a clothing allowance, and letting them spend as
they wish, but not bailing them out when they mess up. It's VERY
unschooling in it's approach to money and I think it's awesome!
My boys are too young still for the approach, but we plan to use the
approach in a few years.
We've started teaching our older ds about money and budgeting by
giving him an allowance (not tied to anything) and four "banks" (mason
jars that he decorated) one bank each for Save (savings for a "big"
purchase such as a gameboy, new bike, etc. We will kick in a
percentage once he's saved a good chunk of the money needed), SPend
(for immediate spending on WHATEVER he wants), Donate (charity) and
Invest (long-term savings. Each quarter we'll send his money to our
broker who will put it into his investment fund). He gets $4 a week
and has to put at least $1 in invest and at least 50 cents into Donate
(he can put more if he wants to). SPend and save, he can decide how
much to put in. Eventhough we've only been doing this for a couple of
months, it's already had a huge impact on the "gimmes"... when I tell
him he's welcome to spend HIS money on something, it becomes an
entirely different ballgame to him LOLOL.
ANyways, I hope that helps someone :)
This list ROCKS!
Lo
I am brand new to this list. We've been unschooling this year with my
ds who is 6 and my ds who is 3. We are loving it!
This subject reminded me of a book I bought a LONG time ago after
seeing the author interviewed somewhere... don't remember where LOL.
It's called "Capitate Your Kids"
http://www.amazon.com/gp/product/0142000922/sr=8-1/qid=1147784262/ref=pd_bbs_1/104-7047441-8720712?%5Fencoding=UTF8
It's all about slowly turning financial control over to your kids,
starting small with a clothing allowance, and letting them spend as
they wish, but not bailing them out when they mess up. It's VERY
unschooling in it's approach to money and I think it's awesome!
My boys are too young still for the approach, but we plan to use the
approach in a few years.
We've started teaching our older ds about money and budgeting by
giving him an allowance (not tied to anything) and four "banks" (mason
jars that he decorated) one bank each for Save (savings for a "big"
purchase such as a gameboy, new bike, etc. We will kick in a
percentage once he's saved a good chunk of the money needed), SPend
(for immediate spending on WHATEVER he wants), Donate (charity) and
Invest (long-term savings. Each quarter we'll send his money to our
broker who will put it into his investment fund). He gets $4 a week
and has to put at least $1 in invest and at least 50 cents into Donate
(he can put more if he wants to). SPend and save, he can decide how
much to put in. Eventhough we've only been doing this for a couple of
months, it's already had a huge impact on the "gimmes"... when I tell
him he's welcome to spend HIS money on something, it becomes an
entirely different ballgame to him LOLOL.
ANyways, I hope that helps someone :)
This list ROCKS!
Lo
Pampered Chef Michelle
On 5/16/06, Lorah <lorahv@...> wrote:
more as "tough love." "Sorry kid, You screwed up. You have to live with
it." OUr children have free reign of their money that we give them.
Sometimes they decide to spend it all on something they want. Sometimes
they decide to give most of it away to a charitable cause. Sometimes they
will pool their money together to get something and sometimes they will save
for long periods of time to reach a goal. A much better "learning tool"
than mason jars with labels. Most adults don't understand investment banking
but can understand a "Vacation fund."
We've started teaching our older ds about money and budgeting by
"You can have this money, but only if you put some in savings and
donations." That isn't truly giving him free control over his money. You
are still dictating a portion of his money. I doubt he sees the money that
he has to put in these jars as having freewill over his money.
--
Michelle
Independent Kitchen Consultant #413652
The Pampered Chef
850-474-0817
http://www.pamperedchef.biz/michellelr
Ask me how you can save 60% on some of our most favorite products!
[Non-text portions of this message have been removed]
>How is not helping your child when they need it "unschooly"? I see this
>
> It's all about slowly turning financial control over to your kids,
> starting small with a clothing allowance, and letting them spend as
> they wish, but not bailing them out when they mess up. It's VERY
> unschooling in it's approach to money and I think it's awesome!
more as "tough love." "Sorry kid, You screwed up. You have to live with
it." OUr children have free reign of their money that we give them.
Sometimes they decide to spend it all on something they want. Sometimes
they decide to give most of it away to a charitable cause. Sometimes they
will pool their money together to get something and sometimes they will save
for long periods of time to reach a goal. A much better "learning tool"
than mason jars with labels. Most adults don't understand investment banking
but can understand a "Vacation fund."
We've started teaching our older ds about money and budgeting by
> giving him an allowance (not tied to anything) and four "banks" (masonHis money IS being tied to something. You are dictating his money for him.
> jars that he decorated)
"You can have this money, but only if you put some in savings and
donations." That isn't truly giving him free control over his money. You
are still dictating a portion of his money. I doubt he sees the money that
he has to put in these jars as having freewill over his money.
--
Michelle
Independent Kitchen Consultant #413652
The Pampered Chef
850-474-0817
http://www.pamperedchef.biz/michellelr
Ask me how you can save 60% on some of our most favorite products!
[Non-text portions of this message have been removed]
Mother Earth (Tyra)
This post rocks, Lo! Thanks! I love the jar idea.
Peace
Tyra
Peace
Tyra
----- Original Message -----
From: Lorah
To: [email protected]
Sent: Tuesday, May 16, 2006 8:05 AM
Subject: [unschoolingbasics] Re: Buying clothes was : Passions that cost
Hi all!
I
It's called "Capitate Your Kids"
http://www.amazon.com/gp/product/0142000922/sr=8-1/qid=1147784262/ref=pd_bbs_1/104-7047441-8720712?%5Fencoding=UTF8
[Non-text portions of this message have been removed]
Momma
I totally agree Michelle.
All of us, kids and mom and dad, get a certain amount of "mad money" every
week or so when we can afford it. It's not tied to anything, just extra cash
to save or spend on whatever we want. Sometimes the kids want my opinion on
their purchase and I'll tell them what I think, sometimes they don't. I make
suggestions and try to help them to be savvy consumers. Sometimes I'll bring
up a point that they may not have thought of, "That looks kind of flimsy, I
don't think it will last long at all." That kind of thing but they are free
to purchase it no matter what I think. If they make a bad purchase I will
help them to return it, just like I do when I make a bad purchase. I don't
understand why we would not extend a child the help they need to return or
exchange an item just as we would do for ourselves. Why do you call it
bailing them out? How about just helping them? What would you call it if it
was your husband asking you to return a bad purchase for him? Would you
still consider it "bailing out?" I can't count the amount of bad purchases
I've made in my life. I'm always grateful when I can recoup my losses and
learn from it. I think kids having spending money is important for learning
about the real world and how it works. Children can learn a lot from bad
purchases, maybe more than from good purchases. Make it a learning moment.
Help shed light on the situation.
Dawn
All of us, kids and mom and dad, get a certain amount of "mad money" every
week or so when we can afford it. It's not tied to anything, just extra cash
to save or spend on whatever we want. Sometimes the kids want my opinion on
their purchase and I'll tell them what I think, sometimes they don't. I make
suggestions and try to help them to be savvy consumers. Sometimes I'll bring
up a point that they may not have thought of, "That looks kind of flimsy, I
don't think it will last long at all." That kind of thing but they are free
to purchase it no matter what I think. If they make a bad purchase I will
help them to return it, just like I do when I make a bad purchase. I don't
understand why we would not extend a child the help they need to return or
exchange an item just as we would do for ourselves. Why do you call it
bailing them out? How about just helping them? What would you call it if it
was your husband asking you to return a bad purchase for him? Would you
still consider it "bailing out?" I can't count the amount of bad purchases
I've made in my life. I'm always grateful when I can recoup my losses and
learn from it. I think kids having spending money is important for learning
about the real world and how it works. Children can learn a lot from bad
purchases, maybe more than from good purchases. Make it a learning moment.
Help shed light on the situation.
Dawn
On 5/16/06, Lorah <lorahv@...> wrote:
>
>
> It's all about slowly turning financial control over to your kids,
> starting small with a clothing allowance, and letting them spend as
> they wish, but not bailing them out when they mess up. It's VERY
> unschooling in it's approach to money and I think it's awesome!
Michelle wrote--
How is not helping your child when they need it "unschooly"? I see this
more as "tough love." "Sorry kid, You screwed up. You have to live with
it." OUr children have free reign of their money that we give them.
*
_____
[Non-text portions of this message have been removed]
Deb Lewis
***How about just helping them?***
I've returned a few things in my life and I've helped Dylan make returns.
He bought the extended version of Dune and it simply wouldn't play
certain scenes. We drove fifty five miles to exchange it. I'd have
done it for David (dh) or my mom or myself so why not Dylan?
I bought a lovely birdbath and some night creature tipped it over and it
broke. I was so sad. I couldn't return it but it was nice to get a
little sympathy. <g> Then, my dear son bought me a new one for
Mothers day.
If Dylan spent his money on something that turned out to be a mistake I'd
likely give him more money and I'd offer my sympathy and I'd help him go
find what he really wanted. Better he makes money mistakes into
adulthood (like most of us have) than relationship mistakes if he learned
how to be stingy and unyielding and unsympathetic at home with his
parents. <g>
Deb Lewis
I've returned a few things in my life and I've helped Dylan make returns.
He bought the extended version of Dune and it simply wouldn't play
certain scenes. We drove fifty five miles to exchange it. I'd have
done it for David (dh) or my mom or myself so why not Dylan?
I bought a lovely birdbath and some night creature tipped it over and it
broke. I was so sad. I couldn't return it but it was nice to get a
little sympathy. <g> Then, my dear son bought me a new one for
Mothers day.
If Dylan spent his money on something that turned out to be a mistake I'd
likely give him more money and I'd offer my sympathy and I'd help him go
find what he really wanted. Better he makes money mistakes into
adulthood (like most of us have) than relationship mistakes if he learned
how to be stingy and unyielding and unsympathetic at home with his
parents. <g>
Deb Lewis
Lorah
Sorry, in my haste to post a quick and short message, I left out A LOT of the content.
It's not "not helping".... part of the issue is that he feels you need to be very flexible
according to your kids' ages and abilities, so what works for one, might not be the right
way for another.
ANother thing, is that he feels (and I strongly agree) that if an older child, who has been
doing this for a while, has a clothing allowance of say $500 a year (just for a round
number), then goes out and spends $450 the first week on a trendy leather coat, that
means s/he'll only have $50 to buy the REST OF THEIR CLOTHES. This is a HUGE learning
opportunity for them. THey learn that you mean what you say, that when the money is
gone, it's GONE. Now, he also says (it's been a while since I read the book, so I am
probably botching this LOL) that the opportunity for learning goes both ways, parents can
learn how to help without enabling. If you ALWAYS come across with more cash, every
time they blow their money (and they WILL blow it), then they aren't learning the natural
consequence of money mismanagement. If, however, they make an honest mistake and
come up short, they learn the lesson, even if you agree to help them out of the bind.
You have to expect them to make mistakes, then help them to learn from them, rather
than simply expect you, the parent, to fix it for them.
See the difference? I hope that made sense. I don't see anything positive in constantly
enabling kids to grow up without financial smarts by bailing them out time after time.
Lo
It's not "not helping".... part of the issue is that he feels you need to be very flexible
according to your kids' ages and abilities, so what works for one, might not be the right
way for another.
ANother thing, is that he feels (and I strongly agree) that if an older child, who has been
doing this for a while, has a clothing allowance of say $500 a year (just for a round
number), then goes out and spends $450 the first week on a trendy leather coat, that
means s/he'll only have $50 to buy the REST OF THEIR CLOTHES. This is a HUGE learning
opportunity for them. THey learn that you mean what you say, that when the money is
gone, it's GONE. Now, he also says (it's been a while since I read the book, so I am
probably botching this LOL) that the opportunity for learning goes both ways, parents can
learn how to help without enabling. If you ALWAYS come across with more cash, every
time they blow their money (and they WILL blow it), then they aren't learning the natural
consequence of money mismanagement. If, however, they make an honest mistake and
come up short, they learn the lesson, even if you agree to help them out of the bind.
You have to expect them to make mistakes, then help them to learn from them, rather
than simply expect you, the parent, to fix it for them.
See the difference? I hope that made sense. I don't see anything positive in constantly
enabling kids to grow up without financial smarts by bailing them out time after time.
Lo
--- In [email protected], "Momma" <southernbelle@...> wrote:
>
> I totally agree Michelle.
>
> All of us, kids and mom and dad, get a certain amount of "mad money" every
> week or so when we can afford it. It's not tied to anything, just extra cash
> to save or spend on whatever we want. Sometimes the kids want my opinion on
> their purchase and I'll tell them what I think, sometimes they don't. I make
> suggestions and try to help them to be savvy consumers. Sometimes I'll bring
> up a point that they may not have thought of, "That looks kind of flimsy, I
> don't think it will last long at all." That kind of thing but they are free
> to purchase it no matter what I think. If they make a bad purchase I will
> help them to return it, just like I do when I make a bad purchase. I don't
> understand why we would not extend a child the help they need to return or
> exchange an item just as we would do for ourselves. Why do you call it
> bailing them out? How about just helping them? What would you call it if it
> was your husband asking you to return a bad purchase for him? Would you
> still consider it "bailing out?" I can't count the amount of bad purchases
> I've made in my life. I'm always grateful when I can recoup my losses and
> learn from it. I think kids having spending money is important for learning
> about the real world and how it works. Children can learn a lot from bad
> purchases, maybe more than from good purchases. Make it a learning moment.
> Help shed light on the situation.
>
> Dawn
>
>
>
>
>
>
>
> On 5/16/06, Lorah <lorahv@...> wrote:
> >
> >
> > It's all about slowly turning financial control over to your kids,
> > starting small with a clothing allowance, and letting them spend as
> > they wish, but not bailing them out when they mess up. It's VERY
> > unschooling in it's approach to money and I think it's awesome!
>
>
>
> Michelle wrote--
>
> How is not helping your child when they need it "unschooly"? I see this
> more as "tough love." "Sorry kid, You screwed up. You have to live with
> it." OUr children have free reign of their money that we give them.
>
>
>
>
>
>
>
> *
>
>
>
>
>
> _____
>
>
>
> [Non-text portions of this message have been removed]
>
Melissa
yay! My hubby is so nervous about the girls hitting puberty and
becoming clothes sharks. I can see me like you....going as much as i
can handle with them, and then meeting them in the food court. (my
favorite shopping experience ;-) )
They already have their own taste in clothes, which thrills me to no
end that I can support that. My mom was the kind that never took me
shopping, she bought whatever was on sale and then guilted me into
being grateful no matter what. Blech. But I'm not bitter lol!
Melissa
Mom to Josh (11), Breanna (8), Emily (7), Rachel (6), Sam (4), Dan
(2), and Avari Rose
share our lives at
http://360.yahoo.com/multimomma
becoming clothes sharks. I can see me like you....going as much as i
can handle with them, and then meeting them in the food court. (my
favorite shopping experience ;-) )
They already have their own taste in clothes, which thrills me to no
end that I can support that. My mom was the kind that never took me
shopping, she bought whatever was on sale and then guilted me into
being grateful no matter what. Blech. But I'm not bitter lol!
Melissa
Mom to Josh (11), Breanna (8), Emily (7), Rachel (6), Sam (4), Dan
(2), and Avari Rose
share our lives at
http://360.yahoo.com/multimomma
On May 16, 2006, at 7:44 AM, jnjstau@... wrote:
> The clothing thing has come up for us. I am quite crunchy, my 15yo dd
> is not <grin>.
>
> She loves the mall, the latest fashions, being "preppy". Heaven to
> her is the Aeropostale store and a latte <sigh> while her mom enjoys
> farmer's markets and NEVER going clothes shopping.
>
> The way we have handled it.....
>
> I give her as much spending money as I can considering we have 5 kids
> on one income and everyone has their passions. I also am available to
> support her earning more money. I drive her to babysit. She
> worked at
> the local gym for 3 years. It works for us as long as I am VERY
> flexible about providing transportation.
>
> I also even drive her and friends to the mall. While they run the
> mall, spending all their disposable income, I drink one small soda and
> read Mother Earth News. <grin>
>
> Julie S.
>
> YAHOO! GROUPS LINKS
>
> Visit your group "unschoolingbasics" on the web.
>
> To unsubscribe from this group, send an email to:
> [email protected]
>
> Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service.
>
>
[Non-text portions of this message have been removed]
Kathleen Gehrke
Hi All,
I just wanted to post about our money dealings.
I have a monthly budget for myself, bills, food and so on...I keep
it in a budget book that sits out and the kids can look and see what
bills we have and where our family money goes.
Part of my budget includes vacations and house projects.
The kids, I have seven at home, all have their money too.
They each get a sum of money from me to spend on whatever they want.
It is written directly into my budget. The one who works also gets
that money from me. She is still entitled to a share of our
resources.
When I first started this they were skeptical that I would just let
them spend their money on whatever.
"What if I want to buy all candy?" It was their money no strings
attached. That was a tough piece for me.
However it is also your movie money, and doing stuff money.
We had a family trip to the coast in April. We looked at all the
things there were to do there on the internet months before. I
figured I could pay for the house we were renting, buy all the food,
kites and toys we needed. I budgeted in paying for everyone to go
the aquarium one day. Anything else they chose to do they needed to
finance.
The kids had three months to save , if they chose to save. My
daughter with a job saved and did outlet shopping. I had two boys
who went deep sea fishing. I had three more that went whale
watching. I had kids buy surf boards and rent wet suits.
During that three months the kids had big financial decisions to
make. My 12 year old wanted to buy speakers for his MP3 player so it
would play in his room. He also really wanted to surf and go
fishing. We did the math together and he figured he could get a
cheaper set of speakers and still do the things he wanted to.
I had one child who was a bit short of getting what they needed. I
gave them the money. I really want a bit of help when I am close to
my goal on something.
I am not saying this is for everyone. I just wanted to share it
because I think my kids have learned and prioritized so much.
The movie was a great example. The first movie after their money
began coming to them was truly priceless. Before when I would take
them to the show they all wanted popcorn, soda and and candy. When
we planned to go to the show dutch I had several kids who despite
having the cash in hand chose no snacks, while several others loaded
up.
Kathleen
I just wanted to post about our money dealings.
I have a monthly budget for myself, bills, food and so on...I keep
it in a budget book that sits out and the kids can look and see what
bills we have and where our family money goes.
Part of my budget includes vacations and house projects.
The kids, I have seven at home, all have their money too.
They each get a sum of money from me to spend on whatever they want.
It is written directly into my budget. The one who works also gets
that money from me. She is still entitled to a share of our
resources.
When I first started this they were skeptical that I would just let
them spend their money on whatever.
"What if I want to buy all candy?" It was their money no strings
attached. That was a tough piece for me.
However it is also your movie money, and doing stuff money.
We had a family trip to the coast in April. We looked at all the
things there were to do there on the internet months before. I
figured I could pay for the house we were renting, buy all the food,
kites and toys we needed. I budgeted in paying for everyone to go
the aquarium one day. Anything else they chose to do they needed to
finance.
The kids had three months to save , if they chose to save. My
daughter with a job saved and did outlet shopping. I had two boys
who went deep sea fishing. I had three more that went whale
watching. I had kids buy surf boards and rent wet suits.
During that three months the kids had big financial decisions to
make. My 12 year old wanted to buy speakers for his MP3 player so it
would play in his room. He also really wanted to surf and go
fishing. We did the math together and he figured he could get a
cheaper set of speakers and still do the things he wanted to.
I had one child who was a bit short of getting what they needed. I
gave them the money. I really want a bit of help when I am close to
my goal on something.
I am not saying this is for everyone. I just wanted to share it
because I think my kids have learned and prioritized so much.
The movie was a great example. The first movie after their money
began coming to them was truly priceless. Before when I would take
them to the show they all wanted popcorn, soda and and candy. When
we planned to go to the show dutch I had several kids who despite
having the cash in hand chose no snacks, while several others loaded
up.
Kathleen
Pampered Chef Michelle
On 5/16/06, Lorah <lorahv@...> wrote:
parent provide that need for your child? What happens when you have a need
and you don't have the money? Do you just go without or do you use a credit
card or work to make more money or do without something else? I don't see
this as a "learning opportunity" but as a set up for failure. "Oh see. You
don't know how to handle money. I guess your up a creek without a paddle.
So sad. Too bad." What does that tell your child about how you feel about
him/her? Isn't the relationship more important than a "lesson?" Our
children do learn about how money works because we talk to our children
about finances and saving and expenditures. They understand that if we want
to go to Disney World every year that we have to save money. That means not
eating out as much and cutting back on other things. If we want to do
something special for a weekend we have to look at how that impacts our
family's budget. Going to the movies is a $35 outpouring just to get in the
door and we dont' have a dollar theater anymore :( If we want popcorn
that's even more money. So we weigh whether we want to go to the movies or
whether we want to go to the video store and rent (or buy) a movie instead.
A child doesn't have to be set up for failure in order to learn a lesson.
Handing a child $500 and saying, "This is your yearly clothing allowance -
use it well" is disaster waiting to happen! For some kids they will make
wise decisions, but for others that is a lot of money to be entrusting them
with.
--
Michelle
Independent Kitchen Consultant #413652
The Pampered Chef
850-474-0817
http://www.pamperedchef.biz/michellelr
Ask me how you can save 60% on some of our most favorite products!
[Non-text portions of this message have been removed]
>But your child will still have a need for clothes. How will you as the
>
> ANother thing, is that he feels (and I strongly agree) that if an older
> child, who has been
> doing this for a while, has a clothing allowance of say $500 a year (just
> for a round
> number), then goes out and spends $450 the first week on a trendy leather
> coat, that
> means s/he'll only have $50 to buy the REST OF THEIR CLOTHES. This is a
> HUGE learning
> opportunity for them. THey learn that you mean what you say, that when
> the money is
> gone, it's GONE.
parent provide that need for your child? What happens when you have a need
and you don't have the money? Do you just go without or do you use a credit
card or work to make more money or do without something else? I don't see
this as a "learning opportunity" but as a set up for failure. "Oh see. You
don't know how to handle money. I guess your up a creek without a paddle.
So sad. Too bad." What does that tell your child about how you feel about
him/her? Isn't the relationship more important than a "lesson?" Our
children do learn about how money works because we talk to our children
about finances and saving and expenditures. They understand that if we want
to go to Disney World every year that we have to save money. That means not
eating out as much and cutting back on other things. If we want to do
something special for a weekend we have to look at how that impacts our
family's budget. Going to the movies is a $35 outpouring just to get in the
door and we dont' have a dollar theater anymore :( If we want popcorn
that's even more money. So we weigh whether we want to go to the movies or
whether we want to go to the video store and rent (or buy) a movie instead.
A child doesn't have to be set up for failure in order to learn a lesson.
Handing a child $500 and saying, "This is your yearly clothing allowance -
use it well" is disaster waiting to happen! For some kids they will make
wise decisions, but for others that is a lot of money to be entrusting them
with.
--
Michelle
Independent Kitchen Consultant #413652
The Pampered Chef
850-474-0817
http://www.pamperedchef.biz/michellelr
Ask me how you can save 60% on some of our most favorite products!
[Non-text portions of this message have been removed]
Pamela Sorooshian
On May 16, 2006, at 5:27 AM, Pampered Chef Michelle wrote:
still do. They aren't into brand names at all - probably don't even
KNOW the brand names. And they definitely like thrift stores, too.
But, still, lots of places we go - there are clothes for sale - not
even just at malls, but at festivals, fairs, concerts, shows, etc.,
and my girls each, at some time, got so they were wanting to buy more
than we could afford. We gave them the money directly so that they
could be completely in control of their own clothing purchases - I
never again had to make the decision that something was not "worth
the money."
-pam
Unschooling shirts, cups, bumper stickers, bags...
Live Love Learn
UNSCHOOL!
<http://www.cafepress.com/livelovelearn>
[Non-text portions of this message have been removed]
> I thought that as well. It hasn't been true with our family. WeMine like clothes - they have ALWAYS liked to play dress-up and they
> aren't
> hung up on brand names and the girls LOVE thrift store shopping
> since you
> can get three times as many clothes at a thrift store than you can
> at a
> department store or the mall.
still do. They aren't into brand names at all - probably don't even
KNOW the brand names. And they definitely like thrift stores, too.
But, still, lots of places we go - there are clothes for sale - not
even just at malls, but at festivals, fairs, concerts, shows, etc.,
and my girls each, at some time, got so they were wanting to buy more
than we could afford. We gave them the money directly so that they
could be completely in control of their own clothing purchases - I
never again had to make the decision that something was not "worth
the money."
-pam
Unschooling shirts, cups, bumper stickers, bags...
Live Love Learn
UNSCHOOL!
<http://www.cafepress.com/livelovelearn>
[Non-text portions of this message have been removed]
D Smith
I'm just wondering how you figure how much to give
them, and at what age? I never had an allowence,
neither did my husband, so we haven't started with our
4 yo, mostly because we aren't sure what's fair and
when. I've given him money to spend at the store, and
he kinda gets it. I'm thinking it's time, I'm still on
the fence on, how much to give him.
Thanks,
Danie
__________________________________________________
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them, and at what age? I never had an allowence,
neither did my husband, so we haven't started with our
4 yo, mostly because we aren't sure what's fair and
when. I've given him money to spend at the store, and
he kinda gets it. I'm thinking it's time, I'm still on
the fence on, how much to give him.
Thanks,
Danie
__________________________________________________
Do You Yahoo!?
Tired of spam? Yahoo! Mail has the best spam protection around
http://mail.yahoo.com
[email protected]
-----Original Message-----
From: Lorah <lorahv@...>
It's not "not helping".... part of the issue is that he feels you need
to be
very flexible
according to your kids' ages and abilities, so what works for one,
might not be
the right
way for another.
ANother thing, is that he feels (and I strongly agree) that if an older
child,
who has been
doing this for a while, has a clothing allowance of say $500 a year
(just for a
round
number), then goes out and spends $450 the first week on a trendy
leather coat,
that
means s/he'll only have $50 to buy the REST OF THEIR CLOTHES. This is
a HUGE
learning
opportunity for them. THey learn that you mean what you say, that when
the
money is
gone, it's GONE. Now, he also says (it's been a while since I read the
book, so
I am
probably botching this LOL) that the opportunity for learning goes both
ways,
parents can
learn how to help without enabling. If you ALWAYS come across with
more cash,
every
time they blow their money , then they aren't learning
the natural
consequence of money mismanagement. If, however, they make an honest
mistake
and
come up short, they learn the lesson, even if you agree to help them
out of the
bind.
You have to expect them to make mistakes, then help them to learn from
them,
rather
than simply expect you, the parent, to fix it for them.
See the difference? I hope that made sense. I don't see anything
positive in
constantly
enabling kids to grow up without financial smarts by bailing them out
time after
time.
-=-=-=-=-
i know you're expecting us to see the difference. But several of us
will try to ecplain why that's NOT the best way.
You're setting them up to fail. You're setting them up with the
expectation that they WILL <<(and they WILL blow it)>> not be able to
handle it. Then you will refuse to help when they need it.
Loss of trust. Loss of respect.
I *do* expect them to make mistakes. I *do* help them learn from them.
And I *do* expect them to know I'll do anything in my power to fix
things for them.
I won't be bailing them out. I will be helping them learn. They will be
learning that they can trust me, even if they DO fail. They won't be
expecting me to throw how they failed (again) to do it right or my way.
*Life* sets up plenty of these real situations. You don't need to set
them up artificially, as school does. Be bigger and better than
schools! <g>
~Kelly
Kelly Lovejoy
Conference Coordinator
Live and Learn Unschooling Conference
http://liveandlearnconference.org
“Learn as if you were going to live forever.
Live as if you were going to die tomorrow.” ~ Mahatma Gandhi
From: Lorah <lorahv@...>
It's not "not helping".... part of the issue is that he feels you need
to be
very flexible
according to your kids' ages and abilities, so what works for one,
might not be
the right
way for another.
ANother thing, is that he feels (and I strongly agree) that if an older
child,
who has been
doing this for a while, has a clothing allowance of say $500 a year
(just for a
round
number), then goes out and spends $450 the first week on a trendy
leather coat,
that
means s/he'll only have $50 to buy the REST OF THEIR CLOTHES. This is
a HUGE
learning
opportunity for them. THey learn that you mean what you say, that when
the
money is
gone, it's GONE. Now, he also says (it's been a while since I read the
book, so
I am
probably botching this LOL) that the opportunity for learning goes both
ways,
parents can
learn how to help without enabling. If you ALWAYS come across with
more cash,
every
time they blow their money , then they aren't learning
the natural
consequence of money mismanagement. If, however, they make an honest
mistake
and
come up short, they learn the lesson, even if you agree to help them
out of the
bind.
You have to expect them to make mistakes, then help them to learn from
them,
rather
than simply expect you, the parent, to fix it for them.
See the difference? I hope that made sense. I don't see anything
positive in
constantly
enabling kids to grow up without financial smarts by bailing them out
time after
time.
-=-=-=-=-
i know you're expecting us to see the difference. But several of us
will try to ecplain why that's NOT the best way.
You're setting them up to fail. You're setting them up with the
expectation that they WILL <<(and they WILL blow it)>> not be able to
handle it. Then you will refuse to help when they need it.
Loss of trust. Loss of respect.
I *do* expect them to make mistakes. I *do* help them learn from them.
And I *do* expect them to know I'll do anything in my power to fix
things for them.
I won't be bailing them out. I will be helping them learn. They will be
learning that they can trust me, even if they DO fail. They won't be
expecting me to throw how they failed (again) to do it right or my way.
*Life* sets up plenty of these real situations. You don't need to set
them up artificially, as school does. Be bigger and better than
schools! <g>
~Kelly
Kelly Lovejoy
Conference Coordinator
Live and Learn Unschooling Conference
http://liveandlearnconference.org
“Learn as if you were going to live forever.
Live as if you were going to die tomorrow.” ~ Mahatma Gandhi
Kathleen Gehrke
--- In [email protected], D Smith <sandshuse@...>
wrote:
calculated our income and decided that we could give each child 40.
dollars a month. They get their money at the beginning of the month.
They can have me be the bank, put it in there savings account or
their pocket.
My kids who are home range in age from 6 to 16. The six year old has
bought toys, gift for other people, games, candy and clothes. I
really do not think she has a complete concept of the money she has.
However my eight year old really gets it and is a budgetting guy.
I've given him money to spend at the store, and
ages for a while, but mostly if I had the money I would give it to
the kids to buy what they wanted.
However I decided it was more honoring to them to give them there
money. I do not like having to ask my hubby or anyone for money if I
want to buy something.
Kathleen
wrote:
>I have tried doing money for ages, but at this time we simply
> I'm just wondering how you figure how much to give
> them, and at what age?
calculated our income and decided that we could give each child 40.
dollars a month. They get their money at the beginning of the month.
They can have me be the bank, put it in there savings account or
their pocket.
My kids who are home range in age from 6 to 16. The six year old has
bought toys, gift for other people, games, candy and clothes. I
really do not think she has a complete concept of the money she has.
However my eight year old really gets it and is a budgetting guy.
I've given him money to spend at the store, and
> he kinda gets it.That is what I always did before the last year. We did allowances by
ages for a while, but mostly if I had the money I would give it to
the kids to buy what they wanted.
However I decided it was more honoring to them to give them there
money. I do not like having to ask my hubby or anyone for money if I
want to buy something.
Kathleen
[email protected]
-----Original Message-----
From: Lorah <lorahv@...>
We've started teaching our older ds about money and budgeting by
giving him an allowance (not tied to anything) and four "banks" (mason
jars that he decorated) one bank each for Save (savings for a "big"
purchase such as a gameboy, new bike, etc. We will kick in a
percentage once he's saved a good chunk of the money needed), SPend
(for immediate spending on WHATEVER he wants), Donate (charity) and
Invest (long-term savings. Each quarter we'll send his money to our
broker who will put it into his investment fund). He gets $4 a week
and has to put at least $1 in invest and at least 50 cents into Donate
(he can put more if he wants to). SPend and save, he can decide how
much to put in. Eventhough we've only been doing this for a couple of
months, it's already had a huge impact on the "gimmes"... when I tell
him he's welcome to spend HIS money on something, it becomes an
entirely different ballgame to him
-=-=-=-
That might work IF *you* keep your money in little mason jars and are
required to do the same. Does your husband make you do that? Does his
boss make him do that?
John Holt said that children can lead lives with purpose. Making an
artificial environment when a real one will do is silly.
ANother point that was brought up on another list a couple of years
ago is to give the child enough $$ to make it reasonable to save or
spend.
We used to give Duncan $2/week. There's really nothing he could buy
with $2. For him to buy something he really wanted (at $50), he'd have
to save for six months! *Forever* for a nine year old! This poster
suggested that an amount that could actually purchase something the
child would want would result in better money management.
Boy, that WORKS! <g>
We upped Duncan's allowance to $25/month. He plans what he will
buy/how much he will save. I was informed yesterday that $25 can buy
two mangas and a pack of Yu-Gi-Oh! cards OR a used video game OR half
of a new video game. <g>
~Kelly
Kelly Lovejoy
Conference Coordinator
Live and Learn Unschooling Conference
http://liveandlearnconference.org
“Learn as if you were going to live forever.
Live as if you were going to die tomorrow.” ~ Mahatma Gandhi
From: Lorah <lorahv@...>
We've started teaching our older ds about money and budgeting by
giving him an allowance (not tied to anything) and four "banks" (mason
jars that he decorated) one bank each for Save (savings for a "big"
purchase such as a gameboy, new bike, etc. We will kick in a
percentage once he's saved a good chunk of the money needed), SPend
(for immediate spending on WHATEVER he wants), Donate (charity) and
Invest (long-term savings. Each quarter we'll send his money to our
broker who will put it into his investment fund). He gets $4 a week
and has to put at least $1 in invest and at least 50 cents into Donate
(he can put more if he wants to). SPend and save, he can decide how
much to put in. Eventhough we've only been doing this for a couple of
months, it's already had a huge impact on the "gimmes"... when I tell
him he's welcome to spend HIS money on something, it becomes an
entirely different ballgame to him
-=-=-=-
That might work IF *you* keep your money in little mason jars and are
required to do the same. Does your husband make you do that? Does his
boss make him do that?
John Holt said that children can lead lives with purpose. Making an
artificial environment when a real one will do is silly.
ANother point that was brought up on another list a couple of years
ago is to give the child enough $$ to make it reasonable to save or
spend.
We used to give Duncan $2/week. There's really nothing he could buy
with $2. For him to buy something he really wanted (at $50), he'd have
to save for six months! *Forever* for a nine year old! This poster
suggested that an amount that could actually purchase something the
child would want would result in better money management.
Boy, that WORKS! <g>
We upped Duncan's allowance to $25/month. He plans what he will
buy/how much he will save. I was informed yesterday that $25 can buy
two mangas and a pack of Yu-Gi-Oh! cards OR a used video game OR half
of a new video game. <g>
~Kelly
Kelly Lovejoy
Conference Coordinator
Live and Learn Unschooling Conference
http://liveandlearnconference.org
“Learn as if you were going to live forever.
Live as if you were going to die tomorrow.” ~ Mahatma Gandhi
Pamela Sorooshian
On May 16, 2006, at 5:03 PM, D Smith wrote:
spend on clothes and gave them all of it. We figured that out by
looking at our spending on clothes over the previous year and then
talked about how spending more on clothes would mean spending less on
something else. We agreed on an amount together.
We didn't start doing this until they wanted to do it and it was when
they were around 13 or 14 years old. Before that, we just gave them
money to buy stuff if we could - didn't try to stick to an allowance
schedule. We'd never had arguments or difficulties about buying stuff
before that. I think it helps to sort of have an established
"standard of living" that the kids get used to, maybe.
-pam
Unschooling shirts, cups, bumper stickers, bags...
Live Love Learn
UNSCHOOL!
<http://www.cafepress.com/livelovelearn>
[Non-text portions of this message have been removed]
> I'm just wondering how you figure how much to giveFor the clothing money, we figured out how much we could reasonably
> them, and at what age? I never had an allowence,
> neither did my husband, so we haven't started with our
> 4 yo, mostly because we aren't sure what's fair and
> when. I've given him money to spend at the store, and
> he kinda gets it. I'm thinking it's time, I'm still on
> the fence on, how much to give him.
spend on clothes and gave them all of it. We figured that out by
looking at our spending on clothes over the previous year and then
talked about how spending more on clothes would mean spending less on
something else. We agreed on an amount together.
We didn't start doing this until they wanted to do it and it was when
they were around 13 or 14 years old. Before that, we just gave them
money to buy stuff if we could - didn't try to stick to an allowance
schedule. We'd never had arguments or difficulties about buying stuff
before that. I think it helps to sort of have an established
"standard of living" that the kids get used to, maybe.
-pam
Unschooling shirts, cups, bumper stickers, bags...
Live Love Learn
UNSCHOOL!
<http://www.cafepress.com/livelovelearn>
[Non-text portions of this message have been removed]
Deb
--- In [email protected], D Smith <sandshuse@...>
wrote:
had gotten a gift card and was very careful and considered about
using it so we figured he was about ready to handle some of his own
money. We got him a small wallet too - a velcro closure jogger style
thing. I was talking to a co-worker about it when we were trying to
figure out the how much question and she said what she had done with
her DD (who was graduating college at the time) was that from 5 to 9
she got $5 per week, from 10-about 14 I think (if I remember
correctly) it was $10 per week, at 15 it went to $15 per week and
stayed there - because at 15 or 16 you can get a part time job,
babysit, etc and earn any additional you might want. It's mostly
based on the idea that up to a certain age, the immediate wants are
typically (not always) less expensive - a soda, a small toy, etc. By
age 10 or 11, kids may want to go to a movie with friends WITHOUT
parents holding their hand so their funds need to be adequate for
them to do something like that fairly readily (within a week or two
of allowance). And teens are more likely to want to go out to get a
small meal or snack with friends and that sort of thing which is
more expensive still potentially.
As it is, DS gets "paid" when I get paid twice a month which means
$10 each "pay day". He has free rein with how he uses it - and he
typically has more cash on hand than I do lol (of course I have the
car, the checkbook, the ATM card and the credit card). Sometimes
he'll agree to treat me when we go out on our weekly "date" (such as
an iced chai at Starbucks); sometimes we go "dutch" and sometimes I
pay. He has several times saved his money for several weeks in order
to get a specific item. And currently I'm keeping his allowance as
he wanted something that would cost 2 allowances. He didn't want to
wait so I "fronted" the money and he is not getting his allowance
until June 15 - all spelled out clearly at the time and he agreed.
So it goes.
--Deb
wrote:
>We started when DS was about 5 I believe (maybe between 5 and 6?) He
> I'm just wondering how you figure how much to give
> them, and at what age? I never had an allowence,
> neither did my husband, so we haven't started with our
> 4 yo, mostly because we aren't sure what's fair and
> when. I've given him money to spend at the store, and
> he kinda gets it. I'm thinking it's time, I'm still on
> the fence on, how much to give him.
> Thanks,
> Danie
>
had gotten a gift card and was very careful and considered about
using it so we figured he was about ready to handle some of his own
money. We got him a small wallet too - a velcro closure jogger style
thing. I was talking to a co-worker about it when we were trying to
figure out the how much question and she said what she had done with
her DD (who was graduating college at the time) was that from 5 to 9
she got $5 per week, from 10-about 14 I think (if I remember
correctly) it was $10 per week, at 15 it went to $15 per week and
stayed there - because at 15 or 16 you can get a part time job,
babysit, etc and earn any additional you might want. It's mostly
based on the idea that up to a certain age, the immediate wants are
typically (not always) less expensive - a soda, a small toy, etc. By
age 10 or 11, kids may want to go to a movie with friends WITHOUT
parents holding their hand so their funds need to be adequate for
them to do something like that fairly readily (within a week or two
of allowance). And teens are more likely to want to go out to get a
small meal or snack with friends and that sort of thing which is
more expensive still potentially.
As it is, DS gets "paid" when I get paid twice a month which means
$10 each "pay day". He has free rein with how he uses it - and he
typically has more cash on hand than I do lol (of course I have the
car, the checkbook, the ATM card and the credit card). Sometimes
he'll agree to treat me when we go out on our weekly "date" (such as
an iced chai at Starbucks); sometimes we go "dutch" and sometimes I
pay. He has several times saved his money for several weeks in order
to get a specific item. And currently I'm keeping his allowance as
he wanted something that would cost 2 allowances. He didn't want to
wait so I "fronted" the money and he is not getting his allowance
until June 15 - all spelled out clearly at the time and he agreed.
So it goes.
--Deb
Misty Felner
Message 3
From: "Deb Lewis" ddzimlew@...
Date: Tue May 16, 2006 8:54am(PDT)
Subject: Re: Buying clothes was : Passions that cost
***How about just helping them?***
When I was a kid, I used to make lots of money. I started babysitting at a
young age and got a job in our church nursery at 14 or 15. When I turned 16
I got a job at a local grocery store. I had more friends there than at
school, so I'd work all the hours I could. My parents never put a limit on
my spending, I had to buy anything I wanted not necessarily needed b/c my
dad was out of work for a long time. Anyway, when I was about 17 my mom was
helping me to balance my checkbook that had gotten all out of whack. Once
she got it balanced she pointed out to me how much I was spending by telling
me how much I had made that year and what I had left. That left a bigger
impression on me to save than if she'd forced me to put some of my hard
earned money away.
Misty
From: "Deb Lewis" ddzimlew@...
Date: Tue May 16, 2006 8:54am(PDT)
Subject: Re: Buying clothes was : Passions that cost
***How about just helping them?***
When I was a kid, I used to make lots of money. I started babysitting at a
young age and got a job in our church nursery at 14 or 15. When I turned 16
I got a job at a local grocery store. I had more friends there than at
school, so I'd work all the hours I could. My parents never put a limit on
my spending, I had to buy anything I wanted not necessarily needed b/c my
dad was out of work for a long time. Anyway, when I was about 17 my mom was
helping me to balance my checkbook that had gotten all out of whack. Once
she got it balanced she pointed out to me how much I was spending by telling
me how much I had made that year and what I had left. That left a bigger
impression on me to save than if she'd forced me to put some of my hard
earned money away.
Misty
[email protected]
<<That left a bigger impression on me to save....>>
My 15yo dd has her own cell phone with the agreement that she pays the
charges out of her spending money. I worked really hard to not say
anything about all the texting charges. Finally, I gently and non-
judgementally pointed out that after paying all the charges it was like
I was only giving her 7 dollars in spending money each month.
I don't think she had ever compared her income to her spending
before.....she just had the money so she spent it. The texting dropped
drastically, she asked all of her friends to not text her anymore and
this month, there was a whole 4 dollars in texting charges.
Julie s.
My 15yo dd has her own cell phone with the agreement that she pays the
charges out of her spending money. I worked really hard to not say
anything about all the texting charges. Finally, I gently and non-
judgementally pointed out that after paying all the charges it was like
I was only giving her 7 dollars in spending money each month.
I don't think she had ever compared her income to her spending
before.....she just had the money so she spent it. The texting dropped
drastically, she asked all of her friends to not text her anymore and
this month, there was a whole 4 dollars in texting charges.
Julie s.