We teach about how to drive in school, but not how to manage finances.
~Andy Williams
~Andy Williams
What constitutes allowance widely varies. All parents have their own ideas about whether or not to give allowance and those who do it have different ideas, reasons, ways, times, and amounts. I think my parents tried an allowance a time or two, but it just did not stick--consistency was just not their thing.My husband and I read books about how to structure an allowance and discussed our ideas quite a few times. I believe in children earning their money as both my husband and I did, but I have also heard children refusing to do allowance related chores because they will just get money from their grandparents or for their birthday, so we decided not to have allowance associated with behavior or chores, because our goal, at this time at least, is not to use it as a reward or punishment, but as a learning tool to teach her about finances.
We plan to keep her allowance small and add a "commission" approach for extra tasks as she becomes more interested in earning money. However, even now, if the Princess would like to make some extra money, she can do special chores, but we are only gently suggesting that now and then.
I was concerned most about being consistent and introducing an envelope system, which is what we use for our budgeting also. We agreed that the Princess would only need three envelopes: tithing, saving, and spending.
- Tithing is twenty percent, not just the usual ten. We decided on that because...well, giving more than what is expected is a good thing because we love our Lord.
- Saving is forty percent. This is quite a bit more than most people save typically, but after learning some things about self-made millionaires, it seems that living modestly on half of their income, having some saved and then investing a portion of the other half was key strategy.
- Spending is forty percent. It is not so much the amount that is the difficult part, but what rules to have about spending. We have decided to go with the Princess can spend on anything she wants as long as it is not against our morality. We want her to learn that if she spends it all then she will have nothing more to spend now while she is young and that no one will save her from herself if she is spending irresponsibly. Some parents allow sweets to be included, but I have some reservations on that. Perhaps my concerns are unnecessary, as she has not wanted to buy candy, but I need to be prepared for these issues. We do ration sweets rather meagerly in our home, so she may buy it, but that does not mean she gets to eat it whenever she likes.
We decided allowance would be two dollars given out on each Saturday. To be sure we are consistent, I have it written on our calendar. We started after she turned eight years old, even though we meant to start when she was younger--amazing how the time flies.
In addition to all this, we listen to Dave Ramsey on his radio program in the afternoons on the hour long drive home from piano lessons and going to the airport to pick up my husband. Although I do not follow Dave Ramsey's advice on allowance and I have my own budget system I devised years ago, which is very similar to his own, I want my daughter to hear how people can get over their heads in debt, how to live not using credit cards, and to, as Dave Ramsey says, "live like no one else so that later [she] can live like no one else."
The Princess has purchased some things, but she tends to forget her wallet when we are going out. Today, as we were coming back home from dropping my husband off at the airport, we stopped at Cracker Barrel. For my friends who have not heard of them, it is a chain restaurant located along highways with specialty "country" store having all sorts of expensive and inexpensive knick-knacks. The Princess was quite taken with a three-dollar wooden snake that seems to slither like the real thing and asked me to loan her the money until we were home, which I did. As soon as we were inside, she headed for her wallet with the receipt in hand and began counting out the money to give back to me. I was pleased with her taking this responsibility without having to be reminded.
I suppose at some point I should begin teaching her that when she forgets to bring money that she will not be able to get things, because she should not get in the habit of asking to borrow. For now, it is one step at a time.
~ My Lord, please guide us in teaching finances to our daughter. Please guide her to make wise decisions about managing money, so it does not manage her. ~

I am not a brave person. I would like to be, I suppose, however whenever the...
Since she was three years old, the Princess has been wanting very long hair, even down past her waist, like mine had been in my childhood. I have been willing to help her wash it, braid it, and style it, because I knew how difficult to would be for her to do alone. She is blessed with the shape of face that looks good with just about any hair cut, but long hair seems to be the best choice for her with her silky, straight, thick hair that resists curling.
The Princess has been practicing an arrangement of Bach's Minuet in G for several weeks. It is one of my favorite pieces and I found it delightful to hear it played repeatedly, improving each passing day as she became more familiar with the music, but the crowning moment would be hearing her play it on a real harpsichord.
Miss Trudy, the Princess' piano teacher, likes to have group classes a few times a year when all her students can learn and experience music in a different way. Two or three years ago, we visited Ann Schumann Earley's music studio in Canton, Georgia, to see her two harpsichords and she asked if anyone knew any Baroque pieces, which no one did at that time.
It was always a consideration to go back another time, but that did not come together until last Monday. This time, Miss Trudy would have some students with prepared pieces and my Princess was one of them.
The harpsichord is basically a mechanized psaltery. The strings are plucked rather than stuck with a hammer as in the piano. The result is that no matter how much force is used to depress the keys, the volume is the same. The keys on the harpsichord also can differ from the piano in other ways other than weight. In this case, the keys that are normally white on the piano were black, and the black keys were white and thicker in width. It would be enough to throw off any child who had not practiced on it and has a limited hand span playing the Minuet in G.
The Princess did not play flawlessly, but only those who knew how the piece should have been played would have noticed just a minor mistake or two for she continued on as if she played it exactly as it was meant to be done. She is a natural at performing.
I spent nearly half a day yesterday studying the differences of homonyms and homophones. Why, you may ask. Well, I am homeschooling my daughter and it seems that the term
Twenty years ago, I mysteriously began to have low back pain that quickly became a sciatica problem and then soon after upper back and neck problems as well. I quickly learned that back pain is not really something that other people understand unless they have had it. I would suffer the most with this condition for about six years, and in the middle of those years of suffering I had a conversation with my mother that proves this point.
Lately, I have been asked by several people if I will be homeschooling through the summer, mostly by people who are just curious about homeschooling. I explain that I will be, because I prefer to take more breaks in the autumn and spring when the weather is cool and there are so many activities like spring and autumn fests. Some people think it is a good idea because children forget so much during a long summer break and others probably think I am mean not to let my daughter just play,
Today I am just thankful. I would highlight all the times that my Lord has been so gracious to me, even to performing miracles in my life, yet I still worry and grumble just like the Hebrews in the Old Testament. I suppose if there is anything to learn from history it is that man is, at his core, the very same as he has always been. In fact, there is one trait we all have that is the reason behind all we do: We are selfish.




Matching face art designs to the clothing worn is also a fun challenge.





Yesterday we when out to eat after renting a car for my husband. He was scheduled to work in the state, but too far to come home in the evenings. The first two people who saw this one mistook it for a "decal," and then took a real close look when the Princess told them that it was face paint and admired how it matched her dress. I did it in record time, under ten minutes from setting out all the paints and brushes to washing out the sponge.