Kids and Allowances: What Do They Pay For?

Allowance Game

Photo by Mike Baehr, CC BY-NC-SA 2.0

Yes, we give our kids an allowance. Yes, they also have chores – but the allowance is not tied to the chores (they lose electronics or other privileges if chores are a problem).

How much? Right now, our 9-year-old gets $5 per week, 12-year-old gets $10 per week, and 14-year-old gets $15 per week.

How do they get it? 12 and 14 get theirs direct-deposited into a bank account with a debit card. 9 gets $3 per week direct-deposited into savings (her choice), and $2 per week in cash (she doesn’t have a lot of expenses but likes the occasional candy or soda).

Now, my question to you, if your kids also get an allowance or have some sort of income, is what do your kids pay for vs. what you pay for?

Our kids can spend their money on fun stuff: candy, sodas, books, magazines, music, posters, etc. But they are also supposed to pay for things like birthday gifts for friends and smaller expenses at school (school dances, smaller field trip and supply fees, additional school supplies, drum sticks).

We’ve also started giving a seasonal clothing allowance for the older two, although I’m still trying to figure out what is the best amount. So they pay for their own clothes out of that, unless something comes up like an urgent need for a new winter coat, or having NO SHOES that fit any more.

OK, that kind of sounds like I have our system figured out. But I don’t entirely, and I suspect high school is going to shake things up a bit, and we’re going to have to figure out where to re-draw the lines between what we pay for and what they need to budget for.

What do you do?


 

Yes, it’s been a while. What have I been up to? Lots of hiking this summer. I’m hiking for my health and because I love it!  I post hike reports and photos at the Portland Hikers Forums (latest post). I’ve also been traveling with my family – family reunions, Yosemite, and the Oregon Coast.

 

Unplugging Slightly

I got a new bike basket and bag (more about that later), which I love, but even though I pre-measured, it turns out that the bag isn’t quite big enough for my work laptop.

I suppose I could have returned the bag and basket and gone with the rear rack and pannier, but I decided to try something different: leaving my laptop at work. After all, we have a perfectly good family laptop, plus I have my iPad mini, which can easily go back and forth.

So far, it hasn’t been any real hardship. I do have to share the family laptop with other people, which means occasionally I have to ask to use it, but that’s OK!

Am I really using my electronics less because of this decision? Maybe not. I’m still in the habit of using my phone and iPad to obsessively check social media and play solitaire. And I hadn’t been using the laptop that much at home anyway.  But it is something different for me!

 

Incentivize Me

IMAG0594I did our tax return yesterday, via TurboTax online. If you haven’t used TurboTax before, it leads you, step by step, through various types of income, deductions and credits you might be eligible for. One of the items I passed by was tax credits for purchasing electric or alternative-fuel vehicles.

I have an alternative-fuel vehicle. It’s my human-powered bicycle. But it doesn’t count for credits on our tax return. Those tax credits are for people who buy relatively expensive motor vehicles.

The tax credits are supposed to encourage people to buy these vehicles. They are slowly becoming more common.   I am still not going to buy one. They are still too expensive for us. We also prefer to have a larger family vehicle, due to the number and type of activities we are involved in (including Girl Scouts), and we do not want to buy a second vehicle just for my commute and the occasional instances when we could use a second car.

There IS a program that benefits bicycle commuters, if your employer chooses to participate.  Employers who provide free or discounted transit passes for employees can deduct those expenses on their tax returns (more info here). These employers can also provide a $20 per month cash benefit for bicycle commuters, to defray the costs of bicycle commuting (and the employer then deducts that expense as well).  The League of American Bicyclists has details (if you don’t see anything, scroll down).

The other option for employers is to allow employees to purchase transit passes using pre-tax dollars, which then decreases the employee’s taxable income. This option doesn’t have a bicycle component.

My employer does not participate in either option, but hey, it’s a public school district. There’s no tax benefit to them. They already give us good health and retirement benefits. They could participate in the pre-tax transit option (many school districts do, including Portland Public), but honestly, in our area it’s relatively difficult to get to the schools by public transit.

So I’m out of luck for tax credits and commuter benefits. And really, there’s plenty of benefit to my bike commute anyway. I get exercise, and we save money by not owning a second car. But wouldn’t it be nice if there were more ways to encourage people to choose alternatives? The United States famously pays farmers not to grow crops.  In light of the most recent climate report, are there more ways we could pay people not to drive?

 

We Are People, Not Test Scores

Lots of schools in Oregon are having parent-teacher conferences right now. If you’re a parent, you may be asked to sign a form that authorizes your student to take each OAKS test twice. That’s twice for reading, twice for math, and if your child is in 5th, 8th, or high school, possibly twice for science, at 60-75 minutes per test, or 4-7 hours altogether. Possibly longer. Many kids who have the hardest time with the tests take even longer.

You don’t have to sign that form. In Oregon, the school can’t test your student a second time unless you consent. And you don’t have to consent. We didn’t.

In fact, you can opt out of the testing entirely if you want to. In Oregon, this has to be based on either disability or religious belief, and no one is going to give you a religious test. “Judge not lest ye be judged” might  be one belief, for example.

We haven’t decided whether to opt our kids out entirely. There are reasons for doing this; they may be personal (I don’t want my kid under that kind of pressure) or they can be a form of protest (see the Why Opt Out? list down past the images on this page). My initial feeling is that I don’t really mind a one and done standardized test to  show how my kid is doing, and how the kids in that particular school are doing. But I think repeated testing  just encourages an emphasis on coaching kids for the test rather than on real learning, and I think it wastes time that could be spent on real learning.

So, unless we change our minds between now and then, our kids will take the first round of OAKS tests and be done.

Mamma Mia!


Shocking news: we watched Mamma Mia!, the film version, the other night, and not only did I pay attention, I wanted to see it again!

I was entirely indifferent to the idea of watching the movie. I figured it was just a cheesy romp through some ABBA music. And I suppose you could see it that way.

I know I’m probably the last person to realize this, since the musical is over 10 years old and the movie came out in 2008, but the story is actually about the MOM. And about late-middle-aged ladies having fun and being sexy!

Yes, it was a surprise to me. I hadn’t been paying attention, because, cheesy romp through ABBA music. But it’s true. Amanda Seyfried IS adorable as Sophie, and she has a lovely voice, but it’s not her story. In fact, her story is rather weak. I didn’t really buy that she would just suddenly decide not to get married; I hadn’t gotten the impression that she was ambivalent about it at all.

As for the others – the singing was often imperfect (and Pierce Brosnan REALLY shouldn’t be allowed to sing, although he is still nice to look at and looks like he is having fun most of the time), but this almost fits the storyline. After all, it is about imperfect people who have made mistakes in the past. So imperfect singing fits.

So, WOULD WATCH AGAIN. And maybe buy it. I also have a hankering to buy a copy of Evita. Yes, the Madonna one. Yes, I like it.

 

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Back to Work?!

Photo 9Well, the time has finally come — I have to go to work tomorrow! It’s just the one day this week, though, for a training. And then next week I go back to my school to set up the computer lab and train teachers on how to use the new student database system and maybe some other stuff. I don’t really know yet. Our school district has so many things changing this year that they are giving the students an extra four days off so the teachers can be trained and get comfortable with new curriculum. Plus we are moving back into our classrooms after having everything in storage for summer remodeling and construction.

So I do feel some anxiety about all of this. And maybe that’s part of why I’m not sleeping well. I’ve been having trouble GETTING to sleep at night, and then people and dogs and things keep waking me up either early in the morning or in the middle of the night. Or both.

Today we went to the middle school and registered our two older kids for the school bus (new this year, because we moved) and paid their school fees (fortunately not excessive). And we got our youngest daughter’s information packet in the mail, with her class assignment. So we are getting ready to start school for them, too! The eldest is at her same middle school, our sixth grader is just starting middle school, and the youngest is starting third grade at her same elementary school. So not too much has changed for them, although their schools have been under construction this summer, too.

Did we do everything we wanted to do this summer? Of course not. But we did the big ones: our family trip and the move to the apartment. We are not quite as settled as I’d like to be before school starts, but we’re getting there. One step at a time.

Links for August 11th, 2013 through August 12th, 2013

Need some reading material? These are my recommendations for August 11th, 2013 through August 12th, 2013:

Where I Am Now

I posted a couple of weeks ago about our move to an apartment, and about selling my Xtracycle.

I’m still mourning a bit, especially when I think of an errand I could run by bike, or of things I’d like to grow.  But here’s where we are now: the balcony of our apartment, and me with my current bike, a Schwinn Avenue hybrid.

Kathleen new

And those would be planters on the left. Our youngest and I planted some seeds from her day camp, but only the fava bean plant has survived so far. I’ve got some more seeds, though, and we’re going to do some replanting. But that’s it for our garden, so far.

You can also see our pool toys on the right. Our complex has a pool, and that’s definitely an asset.

We’re still doing Girl Scouts, as you can see by my shirt. We went horseback riding yesterday, then today I dropped our eldest off at resident camp, and at the end of the month we’ll be going on a medieval-themed campout together.

I’ll still be riding that bike to work, once school starts. Actually, I had started riding it back in June, when I took the Xtracycle in for a tuneup. It’s lighter and faster, but I can’t carry much yet; I need to get a rack and/or panniers. And fenders, before it starts raining!

We have most of the boxes unpacked, but we’re still getting organized. So, life moves on.

A Web 2.0 mom working toward a sustainable lifestyle