The $100 Allowance


One day, my 13-year-old daughter had an idea. “You give me $100 and I’ll pay for everything for the whole school year.” She had gotten this idea from her cousin who is, shall we say, more of a money saver.

“What exactly does ‘everything’ include?” I asked.

My husband said, “Write a proposal.”

She quickly took pen to paper, visions of a $100 dollar bill dancing in her head.

I was resistant for one reason: I didn’t want to part with a lump sum of $100. But it didn’t take more than a minute to realize her idea was definitely going to work in my economic favor.

Thirteen-year-olds crave independence; mine certainly does. She doesn’t like me buttoning up her coat, brushing her hair, or telling her to clean her room. She wants to decide when she goes to bed, what she wears to school, what she packs for lunch – and beware if you suggest a haircut.

The path ahead points to high school, college, budgeting, and motherhood. One hundred dollars? I hoped this might be a positive segue to independence.

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Her $100 written proposal stretched far and wide: All clothing, shoes, movies, food, sporting events, and birthday presents for friends. I hesitated. There was no way $100 would cover all expenses.  But she insisted she’d be fine and handed me a pen. I signed on the dotted line.

September purchases:
• $20 worth of school supplies including a splurge of multi-
colored ball-point pens
• A $5 shirt from American Eagle
• Two lip glosses for $7
• A pair of wedge shoes from Old Navy for $30

I’d like to say I kept my mouth shut regarding the wedge shoes, but when I gasped, “30 dollars!” she was irritated, reminding me that she was spending her money and I was raining on her parade. So, I apologized and promised to be quiet. Within thirty minutes, after looking back and forth between her shoes and her wallet, buyer’s remorse set in and the shoes were returned.

I continued to remind myself: Keep mouth shut. This was my daughter’s experience, her lesson to learn.

September was the honeymoon stage, spent with a happy leisure. My daughter felt rich and free to spend her large amount of cash. She bought a few candy bars, a pair of jeans marked down, and offered generous rewards to siblings for fetching items from upstairs.

October 1st: A stylish, shiny blue, soft and furry coat for $40.

And thus, the dream ended.

October 2nd: Broke.

October 5th: “I think we should reevaluate my budget,” she said, eyebrows knit in worry. I smiled sweetly as words were unnecessary. The dotted line was signed; there was no wiggle room. That’s when she got busy. When I was dropping her younger siblings off somewhere, she’d call out, “Can you ask if I can babysit?”

When she did a chore around the house, she asked, “Can I get paid for that?”

She distributed a flyer around the neighborhood advertising her services. With Christmas looming, a weekend dance, and new shoes needed for Spring track, she was adding and subtracting in her head. She started to plan ahead.

She picked up dropped change. She practiced the piano more faithfully as she gets money from Grandma for every book passed off. She stopped turning down less-ideal babysitting jobs.

Who else has this been a good lesson for? Me. I like shopping for my kids, finding sales, picking up shirts here and there. But after the allowance was given, I had to put shirts back, knowing I’d ruin the money lesson if I swooped in to save the day. I did buy her a Chapstick one day. “Thank you, Mommy!” she squealed, throwing her arms around me.

The tale didn’t end there, but in one month I saw a girl manage her money better. We didn’t have any scenes with her begging me to buy her a single item of clothing – she was on her own because she wanted to be. Unexpectedly, but wonderful, there was far more gratitude for the things her parents bought her.

Another unexpected consequence? Her three younger siblings want a $100 allowance as well. Rather than grimace, I smile. I’m going to have a lot more spending money.

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Here’s a recommended plan:
• Make expectations clear: Who will pay for what (it can work well to have kids pay for all “extra” or “fun” things with their own money)
• Help your child make a list of wants and needs and discuss what goes on each list
• Help your child create a personal budget and write the plan down on paper
• Sign the agreement
• Keep a simple notebook ledger (or an spreadsheet on the computer): Money in, money spent
• Don’t buy stuff for them or bail them out!

My daughter has yet to take me up on my offer of payment for weeding the garden or shoveling out the chicken coop (that day may never come), but I’m keeping my mouth shut. I know that when she needs the money badly enough, she’ll ask me for a job.

My mother used to say she gave us chores to build our self-esteem, a connection I refused to make at age 14. But I know what she means now. There is a look of empowerment on my daughter’s face when she has worked hard to earn something she really wants. It’s equivalent to happiness.

Read part 2 of this post here.

About the writer

Amy Makechnie is a mother and writer from New Hampshire. She writes for many national on-line publications, east coast magazines, and is the author of the blog, Maisymak, where pet chickens, kale smoothies, and potty-training adventures collide.


Nyanda Finley De Santos 10 months ago

Our 4 year-old is able to earn 30 minutes of TV for doing his daily chores and following family rules. After a designated period of time, he earns a Lego figure or other such “luxury” item. Work ethic has to start somewhere.

Roni Johnson 10 months ago

So many parents on here with the poisonous attitude of “I got mine, screw them” toward their own children. The baby boomer mentality strikes again….

Grace Cole 10 months ago

100 buvks every 2 weeks maybe.

Jessica Vaughn-Martin 10 months ago

We get paid paid to work, so will my daughter.

Itzel Alvarado 10 months ago

My kids don’t have an allowance, but get money regularly and they have to save for church and for their savings account. .. the rest they can spend it on what they want.

Sarah Bell 10 months ago

My mum used to give me $80 a week. I had to pay for every thing but school and essential clothing. So I paid for swim training, swim meets, water polo camps, petrol for my car, my licence, a pie from the shop in etc. I’m very good at budgeting now…doesn’t mean I stick to it though lol.

Rebecca Speer 10 months ago

Where’s a great place to go when you are broke? TO WORK! (Dave Ramsey)

Lisa Jacobson 10 months ago

My parents did something similar in high school – we sat down and figured out how much $$ I needed for things such as school lunches, clothes, a trip to the movies once in a while…if I needed more, I needed to find a way to earn it. We renegotiated periodically as things chnged. It was a great way to learn about financial responsibility.

Marilyn Terriquez 10 months ago

I never got an allowance, I did chores because that’s just what you do. I started investing and working for the things I wanted at the age of 12 making and selling cheesecakes to neighbors lol.

Joelle Dube 10 months ago

When I was 11 I got 20$ a week, I made mine and my parents lunch, cleaned the bathroom, some laundry, the dishes every nigth abd sonetimes did some prep for the supper… My parents bougth me the bigger things like winter coat and boots but I paid for everything else

Charlotte Cathy 10 months ago

Great lesson for her!!!

Brittney Holland 10 months ago

When my kids are older, I would give them an allowance for the purpose of teaching them about money. I don’t think paying them to do chores is a bad thing because that can teach them that they have to work for money. Their work would be their chores. Then they can go out into the world and buy extra things they may want such as candy, stickers or whatever. Working typically comes with an award.

Jaime Lee Ezell 10 months ago

I had a $100 allowance in high school. I had to buy my own clothes, gas, and any extras I wanted like fast food. I also saved 10% for church, 10% for savings.

Ashley Terry 10 months ago

I receive $168 in child support for my daughter. It is loaded onto a debit card. When she turned 13, I gave her the card. She buys her own shampoo, deoderant, school supplies, and pays her $60 phone bill each month.

Morgan Buchanan 10 months ago

That’s what we’re working towards with our son! Right now he’s 6 yrs old and gets $6 a week. To use on whatever he WANTS – we cover anything he needs.

Now as he gets older a little wiser – I’ll up his allowance but tell him that there are a few needed expenses that he’ll be responsible for now!

For us, allowance is a way to teach money management skills. Chores are his contributions to the family and he gets no payment for them. He can do jobs around the house outside of his normal stuff to EARN money and when he is older he can do various jobs.

That’s how we do chores/allowance in our home and why! =)

Amy Lynn 10 months ago

This is an awesome article. I am so glad my parents never gave me and my sisters an allowance and made us work for everything. I have such a better outlook on life and finances than most of my age.

I have friends that are in their 30’s that their parents still support them, which is insane! I should send this article along there way…

April Sumner 10 months ago

it all depends. I was given a huge allowance in high school my senior year because the child support payments technically stopped. So my Dad told me to make a budget of what I needed fund wise each month and he would pay it and I had to manage it. It was often several hundred dollars to pay for toiletries, spending money, clothing, school fees, field trip money, etc and it taught me how to budget. It all depends on how it is handled. I pay my kids an allowance for good behavior and at 7 they already understand the value of money and they have to save up to buy what they want and manage their money which is a good lesson

Amanda Mirambell-Grice 10 months ago

Here is a blanket response for all comments beginning with, “I don’t believe in………..” That’s YOUR choice. You are free to believe whatever on earth you want to believe, just as the rest of the world is free to believe in what they want to believe in. I do agree with allowances and paying kids for chores. Paying them for chores gives them a better work ethic than just expecting them to do it.

Sommer Sinclair 10 months ago

I don’t believe in allowances for chores. Chores are part of being a family and keeping our house clean and tidy. Kids are part of the family, and everyone must contribute and do their share. As adults they won’t be paid to do housework!

    Elizabeth Ballard-Spitzer 10 months ago

    This is exactly what I was just about to type!

    Daphne Rhyne Cousineau 10 months ago

    My kids do not receive money for doing their normal chores as part of the family. But if they do one of my normal responsibilities I do pay. We have a list of jobs and corresponding money amounts. We also use the motivated moms chore planner, which is awesome.

    Janet Kortright 10 months ago

    My son didn’t get an allowance for any chores. He did what was expected of him as being part of a family. If he wanted to earn money he did chores or odd jobs for neighbors or aunts/uncles, etc.

Tobie Davis Clancy 10 months ago

This is something to consider – might try it

Ashley 10 months ago

My mom gave me $100 a month from 6th grade onward for this same thing. It had to cover all food, activities, clothes, etc. for the month. (She says she was tired of us nickle and diming her asking to stop for fast food or go to the movies all the time.) Then, the summer before I began 11th grade, she gave me $4,000 into my checking account to cover the next two years until I went to college. Same thing, had to cover everything for the two years, including special events like prom dresses, gas money, etc. I did wind up getting a job to supplement the money but overall I spent and saved well. It was a wonderful lesson on budgeting and prepared me well when I went away to college. I definitely plan to find ways to do the same for my son.

Jamie Hallsten 10 months ago

I love this! It helps kids realize that money doesn’t grow on trees and to be fiscally responsible.

Marieand Levi Smith 10 months ago

I think this is a great idea. It might not work for some kids though.

Andrea Adam Rogoza 10 months ago

Our daughter already has two accounts….college and personal….she loves saving her money….when it’s time for allowances….it won’t be for everyday household chores….those are just a part of being in a family, everyone pitches in….but we’ll have plenty of work for her, living on a farm and all….for that she’ll earn money. I don’t believe in paying my kid to help do dishes lol.

    Andrea Adam Rogoza 10 months ago

    And her allowances are for her to learn to save some and spend some….not on “needs”, we pay for toothpaste and clothes…etc….but she’ll learn to save up for things she really wants…just like mom n dad

Lynda Bost-Schawo 10 months ago

Great idea!!!

Katie Ellis 10 months ago

My parents did this when I was a teen but with $45, a teen doesn’t need $100 a month. That $45 covered clothes, beauty supplies, hair cuts and any outings with friends. We were required to keep a budget and show where all the money went. It only lasted until I got a job at 16 and covered those expenses myself but it did teach me to budget. I plan to do something similar for my kids.

    Kelli Dosil 10 months ago

    It was $100 for the entire school year

Maxine Quinnell 10 months ago

This is excellent! When i was 13 i made chocolates and sold them at school to save up to buy an art book i really really wanted! I still have the book, and i smile every time i look at it. I doubt it would have such good memories for me, if it had just been bought for me.

Barbara Starr 10 months ago


JohnandJenny Chain 10 months ago

I’ve thought about this in theory, but my kids are too young to put it into practice yet. I’m glad someone out there has tried it and it has worked. Our plan is to pay our children fairly generously for chores done around the house (NOT for just existing) and then not give them another dime after that. They have to use the money they earned to go to the movies, buy candy, extra clothing (beyond normal buying times like before school). If they spend it all by day 2, they have to find ways to earn more either from us or from somewhere else. Grandparents may spoil this a bit, but I think the plan has promise. The mom who wrote this article makes me more confident that it does! Thanks!

Sacha Munro 10 months ago

This is awesome! My parents did this with me when I was 12 or 13 and I learned a lot of financial lessons that I still carry with me. There were also a lot less arguments as when I wanted something I could purchase it and my parents didn’t have to make the judgement call as to if I could have it. Then if I ended up broke because of it then it was my own fault.

Cristina Sasser 10 months ago

I would prefer to give the $100 and then deduct money for things they need, as punishment for not doing chores, for snacks, tv time, etc. make them realize just because you have the money doesn’t mean it can go to whatever you want. There are “bills” that you will need to pay. I might just try this out

Samantha Arthur 10 months ago

I persnally do not give allowances. ..i pay towards RESPs and its their chores..and earn what they need..they have a choice between birthparty/christmas…or a bunch of little things threw the year…my kids get $200 for newschool stuff (this inclues their clothing as well..) if theres a friends birthday they get $20 to spend..other then that no weekly or monthly allowances

Lisa Wise 10 months ago

I got an allowance for doing chores–it wasn’t $100, though it was like $20/month so it was more than $100/year. My parents paid for clothes, basic school supplies (is the 99-cent binders, if I wanted the colorful ones that cost $3.99 that was on me). They paid for essentials, and sometimes for youth group trips and events, but often that was only half. The rest was paid out of our allowance. I was a big spender–candy, nail polish, a $10 shirt at the mall because I was at the mall and had $10. My sister was the saver. Wonder which one of us managed to save $40k for a down payment on her townhouse during the first few years of marriage and which one is still living in a rented apartment?
I can’t really blame my parents; I was the one not listening, and they budget, though the thing I think I might do differently is to give my kids a bigger allowance and make them responsible for more things. Maybe then the life lessons will stick a little earlier.

    Kelsey Lee 10 months ago

    You and your sister sound like my two sons! Haha may have to let my big spender read this one.

Noreen Muir 10 months ago


Sarah Carroll 10 months ago

It’s a cute blog and a good lesson. I found the title pretty misleading, though.

Taara Datta Donley 10 months ago

Love this article – great idea about making her create a budget! I would also add the concept of saving money and getting interest. Make her put away at least 10% of what she earns into the “Mom” bank and give her interest. Too many people spend everything that they earn and don’t know how to plan for long term.

Valerie Ann 10 months ago

And she could learn a lot!

Neelie Sammon Koulouvaris 10 months ago

I feel so uncool here…we don’t really have any ‘plan’. We just kind of wing it when it comes to things like this. My boys are 10 & 13. They are of course required to do what we ask,when we ask them to do it as far as chores go & if they want something,they ask & we either say yes or no,depending on the request. But they honestly never really ask for all that much because we are on a very tight budget & they know that & are always very understanding when we have to say no because we just don’t have the money.

Colleen Andrawis 10 months ago

Right when I was old enough to get a job my parents were constantly breathing down my neck. It put so much pressure on me because I had to earn enough money to buy everything , even stuff like shampoo , toothpaste and deodorant, my own clothes and shoes. At 16. So I had to basically work full time and juggle high school and of course I got in trouble when my studies began to suffer. If my parents just acted cool and helped me out my grades wouldn’t have suffered and maybe I could have gotten into college. They wanted me to work so bad because they thought I was a failure because my grades were so low, but they were low because I worked 40 hours a week. I didn’t have time for anything a normal high schooler got to do. Boyfriends, friends and forget about sports. It wasn’t enough to just have part time. I even had to buy my own food sometimes. I think with my daughter, when she gets to that age, grades will be more important and she can have work p.t. on weekends. I want her to go to college because supporting her through those few years means she gets a degree and has a future. It does not mean I cant teach her about a budget and money. Because I will just not at such a high cost. No pun intended.

Christine Lynn Procure 10 months ago

I had chores and got $100 a month starting when I was 14 I think. I was in charge of getting myself new clothes, new school supplies, and any going out with friends. I learned A LOT about saving and will be doing this with my children when they are older.

Laura Freeman Myers 10 months ago

My son gets $25 a month. He has chores and does a good job with them. Straight A student. That money is for wants. His needs are in our budget. But we talk about what things cost. He’s 13. It’s a great way for him to learn how to manage his money.

Nicole Woods-Sisk 10 months ago

I wanted something I had to work for it… Had a paper route at 12, mowed lawns, babysat, worked once I turned 16 in retail, cashier at grocery store, etc. If i wanted a car, I got the hand me down… And had to pay my own insurance.

My parents learned from my older brother, who got a brand new car at high school graduation and didn’t do simple work like retail or something because he was too “good” for that. So he is still an entitled 43 year old!

Amanda Michelle Henson 10 months ago

Kinda love this

Rachel Reichley 10 months ago

Love this!! Worked out wonderfully I don’t think its for every child but when they are ready and responsible….great way to prepare them!!

Katie Tookie-Tookie 10 months ago


Susan Burns 10 months ago

I think this is great.

Sarah Damerow Stockton 10 months ago

Ha. When I was a teen, I did my own laundry, cooked and did dishes 4 nights a week, vacuuming, dusting and I got $20/wk plus gas money to drive my mom to work and go to school. My kids (10 and 8 in a couple weeks) have chores they do just because it’s their responsibility and if they want money, there’s paid chores they can do. Plus they always get money at birthdays and Christmas. They’re starting to learn. It’s a process but they’re still young. I know it took me a while too.

    Megan Bankard Sullivan 10 months ago

    I like your idea of regular chores that your kids need to do, and then extra chores to earn money. We never got allowances. We were expected to do chores just because we were members in our family. My parents would give us money to go to a movie or whatever, but we all babysat and had jobs in high school.

    Sarah Damerow Stockton 10 months ago

    Yeah I want to teach them to be responsible for themselves and their things, but also to work for money.

Amy Ricker 10 months ago

I think this is great! It was an allotment to cover expenditures that are usually covered by the parents. This way the child gets to learn that all the things they NEED over the school year cost more than $100. Its also a very good way to show them budgeting. The best part to me was that the girl learned that in order to really get what she wanted she needed to work hard and do things she didn’t really like doing.

Tracy M Hoadley 10 months ago

I would certainly save a lot of money

Krista Milburn 10 months ago

I love this! What a great idea when my daughter is older. Lots of ways this can be used to teach responsibility and money management. :)

Linda Moran McGuire 10 months ago

9 year old, $6.00 per week, 3 envelopes, $2 for spending as he pleases, $2 for the bank, $2 for big spending wants. This year we emptied the big spending wants at Christmas because we told him it was time for him to purchase presents for Mom, Dad, Step Dad and Step Mom. He had to budget his $31.00 and come up with a plan. He didn’t like it but he loved our reactions to his gifts Christmas morning!

    Brandi Ahrendt 10 months ago

    Why is it labeled “big spending wants”? We do envelope things too…I’m confused on this one.

Renee McFadden 10 months ago

Like!! What a good idea!

Candace Cook 10 months ago

So wait, this kid thought she’d stretch a hundred bucks the whole year? Well that’s idiotic, as that’s less than $2 per week. However, the general concept is a fantastic idea. Larger allowance, more responsibilities.

Nikki Sharpe 10 months ago

This is cool. My parents never made me have any kind of responsibility My mom stayed home, so she cleaned my room, did my laundry, and cooked all our meals. On top of that I was pretty much given free reign with spending (within reason). Then when I met my husband and we moved into a studio apartment and were broker than convicts it was a very rude awakening!! I feel like if they would have taught me about money management I would have been way more prepared for life as an adult.

    Priscilla Girardot 10 months ago

    I grew up the same exact way and also paid for it big time. I wish they would have shown me how to manage money, do laundry, pay bills.. I don’t think my mom purposely meant to leave out those crucial life lessons, I think she was just focused on being the best mom she could be. Giving our children whatever they want and waiting on them 24/7 isn’t what they need. I’m learning from that when it comes to my children and teaching them to be self sufficient while still taking care of them.

Andi Piscatella 10 months ago

My daughter gets an allownance of $20 per month. That is to be used for any of her “desires” – not her needs. I buy food for her lunches, general clothing that is needed due to growth, and so on. If she wants to go out with her friends, she has to use her own money – movies, lunchat Wendy’s, TCBY treats, and so on. She has chores around the house, which she is NOT paid for, but if her grades fall below an acceptable level, the allowance goes away. It works for us. For me, her priority needs to be school. That’s where I am putting the value right now. She doesn’t get the option of not doing her chores, so I don’t tie the allowance to those things. This was a great lesson for the teenager – $100 does not go as far as kids think it will. My daughter is currently saving her allowances because she wants an XBOX, and I won’t buy one. She turns down opportunities to do things in order to save her cash for something she really wants. I think that is a good lesson.

    Sherry Siedenburg 10 months ago

    I’d love to ask you a question about this.
    If allowance isn’t tied to chores what do you do if chores are not done?
    I have a child who nothing seems to phase him. Removal of video games, tv times, special trips, participation in sports or other extracurricular activities, groundings etc… Nothing. We’ve wanted to implement $$ for chores but then he half-asses them or tries to hide things to make it look like something’s been done.
    Ready to rip out my hair

    Andi Piscatella 10 months ago

    I hate to say it, but it’s never really been much of an issue. I took away her electronics and that got her in line. My other ace in the holes are driving lessons/license and her guitar. My biggest issue with her is homework, so that’s why I tie it to grades. A friend of mine took her daughter’s bedroom door off (allowing her no privacy) to get her to fall in line.

    Andi Piscatella 10 months ago

    Oh – and summer camp. She loves it (she’s 15, and goes away for several weeks), so bad grades or attitude = no camp.

Erin Lee Trinkle 10 months ago

Great lesson!

Sarah Jane Maidens 10 months ago

I love this! I think from my perspective, I’d buy necessities though. I used to teach and I’ve seen lots of kids come to school with taped together school shoes because parents refuse to buy even the necessary items. In Australia, black leather school shoes are demanded by schools and rarely run below $20 and can hit $100 easily, and you most definitely get what you pay for. I was frequently disgusted in parents who would sacrifice their child’s growing bodies, comfort and school work to make a point as the kids would prefer to work a shift at McDonalds than study.

But I think it’d be fine to say “Old Navy jeans are $10. You need jeans. I’ll give you $10 extra dollars, you can buy Old Navy, or tip your own money in for designer.”

Maggie Lashinsky 10 months ago

I feel like she’d act the same way this girl did. Light up with excitement realizing she gets $100

Heather Scott Bordeaux 10 months ago

I could try it….she is horrible at managing $!

Alissa Gabriel 10 months ago

That is basically what my parents did with me at 14 years old. They got sick of having to take me shopping.

Joelda Aguilera 10 months ago

Love this and need to archive it somewhere.

Rissa MakingitVintage 10 months ago

Our kids must earn the money. we don’t just hand over allowances. After my husband deposits his paycheck he puts the change in a jar for the kids but that’s hardly enough to be called an allowance. It gets saved.

Nadia Fernando 10 months ago

I like this…though I don’t believe my 7 and 5 year old would ever think $100 would ‘cover everything’… I’ve recently started showing them price tags when we go shopping and also allow them to bring a small amount of their own money to spend on what they like….they’ve learned pretty quickly already that they can’t always afford what they want, and have to either find something within their budget or save the money until they have enough for what they really want. Chores will be introduced soon, making things much more interesting! :)

Mindy Swann Carlos 10 months ago

This mirrors so many “life lessons” my 21 year old and I are facing right now. She’s wanting to change majors — AGAIN — and I’m freaking out. I’m refusing to pay for living expenses until she gets a job (don’t panic, she’s got 2K sitting in the bank she can live on). I could go on and on. Parenting never ends. — my own mother is helping me with some very unforseen expenses this year.

    Cherina Avery 10 months ago

    Lol, I’d say to mine: go to community college or a trade school locally. Get a rommate & definitely a j.o.b. I earned my MA in May 2014 with $130k in debt. It ISN’T worth it.

    Mindy Swann Carlos 10 months ago

    Agreed! She went to CC and her tuition and books are paid for — her dad pays her car and apartment. SHE can get a dang job and pay for her food and entertainment 😉

Jennifer Capua 10 months ago

I like it because it teaches kids how to manage and budget money. But chores would have to be involved.

Marissa Bamberger 10 months ago

In my own life, I rarely learned to do something because my parents told me. Ok, I never really listened. I’m an asshole like that, and I believe I am being handsomely rewarded with my own stubborn 3 kids! Any who, My biggest turning points/lessons were after a mistake. This article showed that beautifully. The girl made a budget, and failed. Instead of just handing her money, they told her to figure it out. She did. All on her own. The girl hustled and I love it!

    Valerie Ann 10 months ago

    Amen! Lol – that’s how I feel too – live and learn!

    Marissa Bamberger 10 months ago

    I babysat at 12, had an after school job at 16, but had zero clue how to budget when I was first on my own. I’m totally adding this portion to my kids earning money for chores!! You can earn all the damn money you want, and still be broke if you don’t learn the concept of budgeting!


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