Raising a Self-Sufficient Teen
by Rachel Paxton
Spending, Saving, and Earning Tips for Teens
Help Your Teenager While Helping Yourself
Raising a Financially Responsible Teen
Teens don't learn responsibility overnight. If you haven't been working with your teen on gradually giving them a sense of independence and ownership of their lives, then you're going to have your work cut out for you. Don't wait until it's too late.
By the time your children are in high school, they should be doing for themselves a lot of the things you've been doing for them all of their lives. What does your teen do when they have a problem? Run to you? Or try to solve his/her own problem, maybe coming to you for advice when they've exhausted their own resources?
I don't know about you, but I want my daughter to be self-sufficient when she heads off to college. I want her to be able to choose her own friends, manage her own expenses, be up to the challenge of solving everyday problems in an effective and positive manner, and generally get her adult life off to a good start.
Sound difficult? Not if you start out with the small things. My teen told me most of her friends don't even know where their moms do their grocery shopping. I couldn't believe it. My daughter is involved with planning our meals (it's in her interest if she wants a say in what we're having to eat). She goes to the grocery store with me every single week and helps me mark each item off the list. She reads labels, compares prices, and tells me when she thinks I'm spending too much money on something. Why does she care how much money I spend, you might ask? Because our family's finances are tight. She knows that the money we save at the grocery store will be able to spend somewhere else. What a great life lesson.
Because our family's finances are tight, my daughter has also learned how to budget. She is not directly involved in our financial planning, but she sees me making our budget and deciding the way we spend our family's money. She knows that when more money than expected has to be spent in a certain area, that something else has to give. She knows that money doesn't grow on trees. She's started to budget her own money--tithing, spending some, and saving some.
A lot of my daughter's friends wear expensive designer clothes. She knows we can't afford to buy clothes like that for her, so we frequent local thrift and clothing consignment stores, shop bargain sales, and do a lot of yard saling. Sure, I wish I could spend more money on her clothes, but she still finds much of the same designer clothing her friends wear. Other friends are jealous of the good buys she finds. Part of me hopes that when my daughter grows up she can afford nicer things for herself. But deep down, I'm grateful for the life lessons she's learning. Whether she has money or not, she will never want for anything. She knows how to get by no matter what her circumstances.
You might think your teen would consider it a chore to go grocery shopping and shopping for second-hand clothing. My daughter doesn't look at it that way. Partly she's bored and wants to get out of the house. Also, going through these daily routines together is much of the time we spend together, hanging out and talking about other things on her mind. More than half of the time we spend in deep discussion takes place in the car. I wouldn't trade that time for anything.
I'm not worried about whether or not my daughter is going to be able to take care of herself when she goes off to college. I'm certain she'll be up to the challenge.
As a freshman in high school this year, she has four more years to practice before she's on her own. She cooks dinner once a week or so, does some of the laundry, and helps clean up after our pets. She helps to keep the house clean. At her age, homework is takes priority over other things, so we don't overload her with chores. My main concern is that she knows HOW to do these things. Especially something like cooking takes time to learn some of these skills. If you don't have enough patience to help them learn something like how to cook, then let them learn through trial and error. Allow them cook to what they want to cook and even let them go buy the groceries to make it.
Let your teens schedule their own appointments and make other phone calls you normally make for them. I think everyone has a little fear of the phone at first. After the first few times they'll enjoy the responsibility they've earned.
And did you notice what effect these changes will have on your life? Less responsibility and demands on you! It's a little hard to let go at first and you might have to take baby steps in handing over the reigns. You'll be so proud of your teen the first time they take initiative. When they leave home you'll worry less and know it was a job well done.
Debt from my past is preventing me from saving for my future! Tell us: Yes, debt is hindering my ability to save! or No, debt is not a problem but I am trying to get ahead financially!
Rachel Paxton is a freelance writer and mom of five. For recipes, cleaning tips, gardening, frugal living, holiday hints, and more, visit her site and sign up for her weekly newsletter at www.creativehomemaking.com
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