Allowance for kids can be a touchy subject. First, there’s figuring out whether or not you should pay kids to do chores, or if you should just give an allowance.

And if you do pay for chores, you have to figure things out like how much should you pay your child for chores (juggling their age, responsibilities, etc.)?

There’s all types of gurus telling you one way is the best (such as the Dave Ramsey Allowance system, which is purely chore-based).

Fortunately, I help guide you through each of these decisions to pick the best for your family + your child, in a way that doesn’t make you want to pull out your hair.

Popular Allowance for Kids Resources:

How to Create an Allowance System that *Actually* Works

Should Kids get Paid to do Chores? Pros and Cons.

Age Appropriate Chores for Kids (data from 170 REAL Moms)

Have you given your child a reason to NOT think money grows on trees?

Should Kids Get an Allowance? 3 Mistakes Parents Make.

Age Appropriate Chores for Kids

Ever wondered what OTHER moms' chore list for kids look like? I’ve gathered the inside scoop from over 170 mothers to show you age appropriate chores for kids.

Declaring age appropriate chores and amount of responsibility that will work for every single kid is, well, kinda hard.

I mean, YOU’RE not even sure what your kid is capable of doing, or what would be ‘appropriate’, or ‘developmentally right’ to ask them to do, right? What are some chores for kids by age anyways?  That’s why you’re here.

So, for someone else to say that THEY know what your kid is capable of or is not capable of is kind of silly.

But, I’m a mom too. We like some guidance to go along with our gut intuition, right?

It’s nice to get some guidance on what other kids in your child’s age range are capable of doing so that you can make the right choices for your family.

With that in mind, I’ve set out to do just that – not to write out a long list of age appropriate chores for kids based on what I think is right for your child, but to actually put in the market research to figure out what the other moms are doing with their kids when it comes to helping out around the household.

I’ve sifted through over 179 responses from mothers and fathers of kids aged 2-19 about the child appropriate chores in their household. I’ve charted all the responses out, and come up with an age appropriate chores list based on what mothers are actually doing.

Not based on what “gurus” say.

Not based on what best-selling authors say.

This comes directly from YOU.

And before I release them, I’d like to go over two thoughts to keep in mind as you’re picking and choosing your own chores + household tasks you’ll be introducing into your family.

Choose Household Chores that Will Enable Your Child to Grow

When thinking about assigning age appropriate chores for kids, I want you to pick chores from a list of chores that can fill three different buckets:

  1. Chores they’ve Mastered: Pick a few chores they’re already really good at, and can teach their younger siblings (if they have any).
  2. Chores they’re Working On: Pick a few chores they can do on their own, but that they haven’t mastered yet (creating Chore step-by-step expectation cards for these is a good idea).
  3. Chores You Help Them With: Pick a few chores that are beyond their reach, but that they can help you with to start understanding how the process works. Remember that one of the ways kids learn best is by you modeling behaviors and strategies to them!

If you fill all three of these buckets, then your kid will constantly be growing, even from just doing chores around the home! They’ll be both instructor (teaching someone else your knowledge takes practice, but is a hugely important life skill), they’ll learn how to master something + patience with seeing incremental improvements, and they’ll learn how to take on a challenge/ask for help when something is too difficult with them.

I don’t know about you, but those are lessons I definitely want my own son to learn.

That, and, one more thing: money lessons.

And I’m not talking about whether or not to pay your child for chores (another subject for another day).

I’m talking about adding in money chores to the list of chores you expect your children to do so that it normalizes money management and teaches them some important money lessons.

Psst: need help creating a family chores system? Read on. Then, you might want to check out should kids get paid to do chores.

Don’t Forget about Adding Money Chores to Your List

And don’t forget about money chores! Money management takes time and energy, and kids can definitely be involved in household money management – don’t worry, this doesn’t mean they’ll have to know your salary or other personal information you’d rather not share.

Choose from the money chores list below, listed from easiest to hardest:

  • Loose-Change Locator: Give your youngin’ a job of looking under couch cushions, in the nether regions of your car, and on top of the dryer for loose change that needs to find it’s way to the family piggy bank.
  • Roll Up Family Change Jar: You can get free coin rolls from your bank. Rotate which kid gets to do this money chore every few months!
  • Family Banking Day: Choose one day a week where everyone gets to update their banking needs by physically going to the bank or an atm to make deposits, transfers, etc. If your child doesn’t have a savings account yet, now’s a great time to get them one! Bonus: since your kids know that a family banking day is scheduled into each week, every other week, or each month, then they’ll start to learn to plan some of their money handling needs out ahead of time.
  • Store Receipts Manager: How fun would it be for your child to scan in store receipts, once a week, and actually earn money doing so? Use the CoinOut app for this. The money could go towards a family purchase, your family savings goal, or to them for doing the work (a chore you actually don’t have to pay for!).
  • Gas Price Finder: Have a kid with a smart phone? Put them to work with the task of finding the cheapest gas price for your family each week. You can use a free online tool like GasBuddy to do this.

What other money chores can you think of?

What Makes a Chore Age Appropriate?

Before we dive into the actual results, I just wanted to give a little guidance on what would make the following chores list age appropriate for your child.

Here’s some criteria to think about:

  1. Is Not Dangerous for their Age/Capability Level: Would your child have to stand up high, or use chemicals to complete the chore (you can always have them wear cleaning gloves, or switch out to natural cleaners – in our household, for example, we use a homemade vinegar-water solution to wipe down lots of places)? Is it in an area of the house where you normally need to supervise them (like around the stove top)?
  2. Your Gut Says It’s Time: I’m a strong believer in listening to my gut, even more so now that I’m a mother. And you know what? My gut has never steered me wrong in parenting my child. Does your gut say that the chore you’re thinking about is age appropriate for your kiddo, or not yet?

Also, in general, you want to get really specific with tasks when they’re younger – such as, “pick up the toys on that rug and put them away in this box.” As they age, you can broaden your chore requests more to things like, “clean up your room”. This is because as they age they’ll know better what the broader chore expectations are from both chore experiences over the years plus their own natural brain development.

Pssst: wondering how do you get kids to do their chores? I've got a really cool, free chore game — the White Elephant Family Chores Game. You definitely want to check that out!

Chores List by Age – Kids Jobs Chores

Alright. Are you looking for a kid's list of chores to do around the house? Now the time has come to release the list of age appropriate chores for kids, per the responses of 179 mothers.

I’ll break it down by actual age, and you can click around as needed.

Note: in the end, YOU know your child’s maturity level, capabilities, skills, talents, etc. Below is what lots of other mothers are doing to give you ideas, but be sure to choose based on both where your child is now, and where you’d like them to get to.

Chores for 2-Year-Olds

Personal Responsibilities

  • Clean up/pick up toys
  • Put shoes on
  • Make bed
  • Take shoes off and put away
  • Throw diaper away
  • Clean up a mess such as throwing food or juice in the floor
  • Tidy room
  • Put dirty clothes in hamper


  • Put dishes in dishwasher
  • Help unload dishwasher
  • Take dishes to kitchen sink
  • Set table
  • Help put away groceries


  • Help change over wash to dryer

General Cleaning

  • Sweep behind (after) the parents

Chores for 3-Year-Olds

Personal Responsibilities

  • Clean room
  • Pick up toys
  • Pick up messes
  • Pick up toy room
  • Make bed
  • Put dirty clothes in hamper
  • Help fold laundry


  • Clean off dining room table
  • Help put silverware away
  • Puts dishes in the sink
  • Set table
  • Help empty dishwasher


  • Load washer
  • Help put clothes away
  • Hand him clothes from washer to put in dryer
  • Press button to start dryer
  • Help fold laundry


  • Feed animals
  • Feed dogs

Yard Work

  • Take care of garden

General Cleaning

  • Take out little bags of trash from bathrooms
  • Help dust
  • Help sweep

Chores for 4-Year-Olds

Personal Responsibilities

  • Make bed
  • Clean their room
  • Put dirty clothes into hamper
  • Pick up toys
  • Clean up playroom
  • Clean up after themselves
  • Hang up backpack
  • Put away shoes
  • Put lunchbox in kitchen


  • Put dishes in sink
  • Dishes/rinses dishes
  • Start the dishwasher
  • Empty dishwasher
  • Setting/clearing their spot at dinner table
  • Wipe down the table
  • Help put away groceries


  • Pets/feed their dog/feed cat/feed and water chickens
  • Help clean chicken house


  • Laundry/help do laundry
  • Hang clothes

Yard Work

  • Take care of garden
  • Water their plant

General Cleaning

  • Hand vacuums furniture
  • Dust the house
  • Pick up trash around house
  • Empty small trash cans
  • Sweep
  • Help when asked with anything
  • Throw out his trash

Chores for 5-Year-Olds – Appropriate Chores for a 5 Year Old

Personal Responsibilities

  • Pick up toys
  • Make bed
  • Clean personal room


  • Make meals
  • Set table
  • Clear plate at dinner
  • Wipe off table after meals
  • Dishes


  • Learning to wash/dry/fold/hang laundry
  • Bring dirty clothes to laundry room


  • Feed/water chickens
  • Help clean chicken house
  • Feeds/waters animal

Yard Work/ Outside

  • Take garbage/recycling cans in from curb
  • Weed
  • Help wash car
  • Get mail (with supervision)
  • Rake

General Cleaning

  • Cleans mirrors/windows (with vinegar)
  • Pick up trash around house
  • Take out bathroom trash
  • Help clean up toys in living room at night
  • Help dust
  • Help vacuum
  • Help clean the house (bathrooms, etc.)

Chores for 6-Year-Olds

Personal Responsibilities

  • Clean room
  • Clean up playroom
  • Clean up after themselves
  • Fold personal laundry
  • Put clothes in hamper


  • Get their own snacks
  • Get ingredients from basement pantry for parent while cooking
  • Help make meals
  • Take dishes to the sink
  • Dishes
  • Put away dishes
  • Load/unload dishwasher
  • Set/clear table
  • Wipe off table


  • Separate laundry
  • Load laundry into washer
  • Move laundry over to dryer
  • Put laundry away


  • Feed/water chickens
  • Help clean chicken house
  • Give the dog treats

Yard Work/Outside

  • Water flowers
  • Weed
  • Get mail

General Cleaning

  • Gather house trash
  • Help take trash out
  • Mop floors
  • Vacuum
  • Sweep the tile
  • Gather house trash
  • Dust
  • Wipe windows/mirrors
  • Clean bathroom
  • Use clean wipes to clean surfaces
  • Clean bathroom floor
  • Clean all doors in house
  • Weed
  • Help when asked with anything

Chores for 7-Year-Olds

Personal Responsibilities

  • Clean room
  • Pick up after himself/herself
  • Keep room tidy (clear bedroom floor, make bed, put shoes away, etc.)


  • Bring in groceries
  • Clear the table
  • Unpack lunchbox and school bag
  • Set table
  • Unload dishwasher/put away clean silverware
  • Dishes
  • Wipe down cabinets


  • Match socks
  • Put laundry in hamper
  • Put away their clothes + little sibling's clothes


  • Gather eggs from chickens
  • Feed/water dog
  • Put dog outside

Yard work/Outside

  • Weed garden/gardening help
  • Clean out car

General Cleaning

  • Clean living room
  • Sweep floors
  • Dust
  • Mop
  • Take out trash
  • Help with garbage
  • Clean the baseboards
  • Help cleanup messes
  • Use clean wipes to clean bathrooms
  • Tidy bathrooms
  • Clean hallway
  • Clean living areas
  • Anything else I ask help with


  • Help younger siblings as required

Chores for 8-Year-Olds

Personal Responsibilities

  • Puts away personal laundry
  • Make bed
  • Clean room
  • Ensure own clothes are in hamper and that they are not all rolled up into a ball


  • Cooks one night/week
  • Assist with cooking preparation
  • Set the table
  • Sweep/mop (swiffer) kitchen and dining room
  • Load/unload dishwasher
  • Wipe down kitchen table
  • Put away dishes
  • Hand-wash dishes once/week


  • Fold towels
  • Switch laundry loads
  • Wash laundry


  • Collects eggs in morning
  • Coop scooping
  • Take care of pets/Clean the cat litter box/feed cat


  • Clean out car
  • Pick up any trash
  • Trash/recycle duty
  • Clean yard/weed/help in yard when we do yard work
  • Light gardening
  • Take trash out/bring in big garbage can from street

General Cleaning

  • Vacuum downstairs
  • Wipe down all counters and kitchen table
  • Clean mirrors
  • Wipe down bathroom sinks
  • Sweep/mop
  • Sweep room
  • Clean their bathroom counter/toilet
  • Clean all doors in house
  • Put the trash bag in the can
  • Help when asked for anything
  • Pick up toys
  • Dust

Chores for 9-Year-Olds

Personal Responsibilities

  • Clean room
  • Pick up after himself/herself
  • Puts laundry away
  • Put laundry in hamper
  • Brush teeth


  • Dishes
  • Clear plates from dinner
  • Unload/load dishwasher
  • Bring in groceries
  • Wipe down kitchen counters
  • Sweep floors


  • Put clothes away
  • Sort/wash/dry all laundry
  • Get dirty clothes to laundry room


  • Gather eggs from chickens
  • Feed/water dog
  • Put dog outside
  • Clean litter box daily
  • Clean bird cage
  • Change water for pet
  • Give dog a bath


  • Garbage
  • Take trash out to curb
  • Pick sticks and pine cones out of yard to prep for mowing
  • Clean out car

General Cleaning

  • Clean bathroom
  • Dust
  • Pick up dog poop
  • Sweep floors
  • Mop
  • Vacuum
  • Clean personal bathroom
  • Empty trash
  • Cleans sink/mirrors in bathroom
  • Clean up when asked

Sibling Support

  • Oversight for sibling's chores

What are Some Good Chores for a 10-Year-Old?

Personal Responsibilities

  • Clean their room


  • One weekend morning/month cooks breakfast
  • Mop
  • Dishwasher
  • Dishes
  • Wipe tables
  • Putting utensils away


  • Sort dirty laundry
  • Put away personal laundry


  • Feed pets
  • Take care of pet


  • Take garbage out
  • Water flowers
  • Mow lawn
  • Cleans out car/wash car
  • Pull weeds

General Cleaning

  • VacuumDust
  • Clean family room
  • Sweep
  • Gather trash
  • Clean bathroom
  • Clean bathroom toilet
  • Clean mirrors/windows/glass door
  • Helps with household projects

Chores for 11-Year-Olds

Personal Responsibilities

  • Clean room


  • Help bring in groceries or other bags from car to kitchen
  • Clean kitchen after dinner
  • Take lunchbox to kitchen counter
  • Dishes
  • Empty dishwasher
  • Wipe down kitchen


  • Fold laundry
  • Personal laundry
  • Put laundry away in closet


  • Help with pets
  • Clean out litter box daily
  • Feed and water pets


  • Pick up trash outside
  • Garbage/recycling
  • Take garbage out to the curb
  • Clean the deck

General Cleaning

  • Maintain dining room area free from food
  • Collect trash around house
  • Vacuum/vacuum upstairs
  • Sweep
  • Clean bathroom
  • Mop

Sibling Support

  • Help with babies
  • Clean kid's bathroom on rotation
  • Maintain the house clean/free from toys
  • Clean up little sister's messes

Chores for 12-Year-Olds

Personal Responsibilities

  • Personal laundry
  • Clean personal room


  • Set/clear table
  • Load/unload dishwasher


  • Hang and put away shirts/clothes
  • Fold/put away towels


  • Bath/walk/feed dogs/feed pet
  • Pick up dog poop


  • Cut grass
  • Trash/take out trash
  • Get mail

General Cleaning

  • Clean bathroom/clean their bathroom
  • Clean the living room
  • Dust
  • Sweep floors

Chores for Teenagers

Chores for 13-Year-Olds

Personal Responsibilities

  • Personal laundry
  • Clean their room


  • Clean kitchen
  • Load/unload dishes daily
  • Dishes


  • Water chickens
  • Pick up dog poop/take care of dogs
  • Water dogs
  • Feed cats
  • Clean litter box


  • Pick up trash outside/clean yard
  • Trash out to curb/back
  • Garbage/recycling
  • Clean the deck
  • Mow lawn

General Cleaning

  • Clean bathroom
  • Mop
  • Vacuum
  • Dust
  • Sweep
  • Bathroom rotation
  • Clean mirrors

Chore Ideas for 14-Year-Olds


  • Make dinner
  • Some cooking
  • Dishes
  • Empty dishwasher


  • Outdoor chores
  • Cut grass
  • Walk the dog

General Cleaning

  • Vacuum
  • Laundry
  • Help set up/break down at shows for your business
  • Sweep/mop floors
  • Clean bathroom
  • Dust

Chores for 15-Year-Olds

  • Clean bathroom
  • Taking out grandmother's garbage

Chores for 16-Year-Olds

Personal Responsibilities

  • Organize shoes


  • Load/unload dishwasher
  • Vaccuum under table
  • clear table/set table
  • help cook


  • Garbage

What are age appropriate chores for kids that are my kid’s ages? I have a 5, 8, and 10 year old – what am I supposed to give them for chores? I love how this woman actually surveyed 170 mothers to find out what THEY are doing with their kids, then breaks it down in lists, by age. Children chores list, including HOW you should go about choosing chores for your own child (growth mentality in mind – love that!). Teen chores included. #choresforkids #chores

What Does My 9-year-old Kid Need Money FOR?

Ever wondered should kids get allowance, or otherwise handle money? One woman wonders what her kid needs money for, and I explain that below.

I had an interesting conversation with a Work at Home Mother of a 9-year old + twins under 2. I asked her about her kid money system (aka, if she gave her kid an allowance, did she use chores to pay commissions, or does her child otherwise have money of his own to spend). Because I feel it's so important to teach kids about money, I'm always curious to hear what others say.

She responded with something like, “I will give him money when I can answer the question, what does my 9-year old child need money FOR?”

I totally got what she was saying, and at the same time really wanted to address this one. So, here we go!

I’m Amanda L. Grossman from, where I teach kids aged 8-13 years how to save money through educational adventures, like the Mt. Everest Money Simulation.

Have you ever wondered, “should kids get allowance…” or any money for that matter?

Today I’d like to talk about what the heck a 9-year old, 8-year old, or fill-in-the-blank year-old needs money for.

What's Kids DON'T Need Money For

Because I can certainly tell you what they DON’T need money for (and I’m sure you can, too): they don’t need money for another box of Pokémon cards. They don’t need a dime for more candy. And they certainly don’t need money to spend on snackie-type foods at lunchtime instead of the awesome lunch you are probably making them.

What Kids DO Need Money For

Should kids get allowance?

Here’s what your kids DO need money for: to make choices, face the consequences, learn from the mistakes + successes, and repeat the process.

You see, all those things I just said they don’t need more money for? Those were judgment calls made by me, a 35-year old with a heck of a lot of experience with money + purchasing things + budgeting.

But your child? They have almost no experience with it. Especially if they don’t actually get to touch the stuff.

They don’t know about trade-offs, that making a decision to buy one thing means they have less to buy something else.

They don’t know the power of its value from doing something like not spending it all in one week, and watching it accumulate to the next week, several weeks, or even month.

They don’t know what it means to work 8 hours at a job just to pay for that pair of designer leggings they’ve got their eye on, nor do they have the wisdom yet to do the calculation and decide if it’s actually “worth” it.

Should Kids Get Allowance?

By handling actual money and having some control (within a controlled environment) to spend it as they please, they’re going to get a taste of each of these things: trade-offs, understanding the value of money, decision-making in general, and budgeting.

Keep them moneyless? And the stakes just get higher and higher the older they get to get their money decisions right the first time.

And, let’s be honest, how many of us have gotten OUR money decisions right the first time?


Are you on the fence still wondering about why should kids get allowance? I'll explain why allowances (or lack there of) are a crucial money teaching lessons for your kiddos! Psst- It's not as hard as it looks, promise. #teachkidsaboutmoney #kidsmoney #moneyteaching #parenting #momgoals #parenthood #kids #parentingtips |

Why Would Your Kid NOT Think Money Grows On Trees?

Are you unknowingly reinforcing the idea that money grows on trees? Let’s take a look at what you can change if you are.

We’ve all heard our parents ask us if we think money grows on trees, and many of us swore we’d never say this to our own kids.

Well…sometimes history repeats itself, right?

Hi, I’m Amanda L. Grossman from where I’m teaching kids aged 8-13 how to manage their money through educational adventures like the Mt. Everest Money Simulation.

And today? We’re tackling the issue of whether or not your child thinks money grows on trees because of something you’re unknowingly doing: keeping them on the dole.

What is the Dole Method?

I’ve taken the last six months to study the allowance landscape, and to read up on the various systems out there. I created something called the Kid Money System landscape, and categorized each of the allowance systems along a plot based on how much control they gave the parents versus how much control they gave the kids over both the spending and the getting of money.

The method that gives kids the least control, and parents the most control, is called the Dole Method.

It’s basically an on-demand money system where your kid asks for money as THEY see fit, and you give them money as YOU see fit, depending on your mood, the amount you’ve got in your wallet, and any other number of reasons.

The Dole Method is basically where every family starts with allowance systems.

But if you’re still using the Dole Method, versus setting up a consistent Kid Money System of some sort, then you may be unknowingly reinforcing your kid’s idea that money is a never-ending resource (hence why we say, ‘they think money grows on trees’).

Why the Dole Method Reinforces the Idea that Money Grows on Trees

Think about it this way: you and your child are at the store grocery shopping. You’re at the cash register, waiting patiently (or not so patiently) for your turn in line. And your kid spots some candy that is cleverly packaged to also look like a toy.

*sigh*. You know this is going to be a battle, and it’s only $1.25, so you say yes when they plead you for the item.

The next day, you head to your local library to pick up some books you’ve got on hold, and there’s a table of Girl Scouts selling cookies. Of course, you can’t pass that up (I’ll take a box of peppermint patties, thank you very much)!

Later in the week, you head through the Starbucks drive-thru, and get an after-school snack for your kiddo after ordering your own beverage of choice – just enough caffeine to get you through the evening routine.

Your experience of these transactions is that you’ve worked for the money, you have prioritized these spending occasions (even if that means they’re a priority just to stop the nagging from your child about the candy), and you know that these are getting subtracted from the bottom line in your wallet or your checking account.

But your child? Well, they’ve observed all of these transactions as well, but without any of the context involved. They just know that they wanted something, or Mommy wanted something, and she pulled out the cash to buy it. End of story.

Seems kind of magical, right?

What to do Instead of the Dole Method

If you want your child to understand that money does not grow on trees, and that money is not spent in some sort of magical vacuum where there are no consequences or prioritization of resources, then you’ve got to put them in control of both some of the supply of money, and in some of the decision-making in spending it.

This is how they’ll begin to express priorities, to learn the “value” of money in context to having to work with it, or only being given a certain amount each allowance period, or however else they get money into their hands, and that once the money is gone, they’ll need to wait until next “payday”, or earn more to get more.

Suddenly, money doesn’t appear to grow on trees anymore! And then they’ll be able to make the connection that you work for your money, and that money does not grow on trees for YOU, either.

It’s a beautiful thing.

Curious about how else your Kid Money System might not be stacking up? Check out below where you can snag a Kid Money System Scoresheet to figure out the strengths and weaknesses of your system.

You swore you'd never ask your kid if they think money grows on trees but they seem to think it does. Find out why that is and get what you can do to get your kiddo to think otherwise. #moneygrowsontrees #lifeskills #kidssavemoney #parenting #momgoals #parenthood #kids #parentingtips |

Handing Over Money for Kids Freaking You Out? Let Me Help Your Fears.

Is handing over money to your kids kinda freaking you out? Money for kids is uber important to them learning the critical money management skills. Here are some ways to make this process less scary for YOU.

One of the reasons mothers are hesitant to hand over some money for kids to spend on their own is because they fear losing control over such a powerful resource.

I get it. I do!

But handing money over to your kiddo has got to happen in order for them to start the learning process of managing it – you know, the one you probably had to learn the tough way after you moved out of your own parents’ home?

I’m Amanda L. Grossman from where I partner with Mamas like YOU to teach your kids how to manage money through Money Educational Adventures, like the Mt. Everest Money Simulation.

And today I want to talk you through how to rethink the way you give money to your child so that you can feel more confident  in doing so and less fearful of what the outcome is going to be when handing over money for kids. It's important to teach kids about money  now so they don't make mistakes later.

Money Shift #1: Think of Money Handed Over as Play Money

I know, I know. It’s hard to think of ANY money as play money. I mean, you and I understand how valuable it is!

But if we can shift our thinking from, “my child is spending my hard-earned money on stupid stuff they won’t use past next week”, to “my child is using money play to start to understand the scary world of money management,” then it will make the process of getting money into your kids’ hands more meaningful and less stressful.

Remember, kids learn the most through play. And it’s not just younger kids. Studies show that middle school kids, high school teenagers, and even adults can gain some pretty amazing benefits from regular play in the form of creativity, better problem-solving skills, retaining information in new ways, growing in teamwork abilities, etc.

Suddenly, that $10/week seems like a steal now, right?

Money Shift #2: Tweak Your Kid Money System to Give YOU more Control

I created the Kid Money System Landscape as part of my 48-hour Kid Money System Makeover Challenge, by plotting each of the bazillion types of allowance systems out there by categories and by how much control the system gives to the kids versus the parents to make it easier to understand + choose what’s best for your family. It goes from kids having the least control (and parents having the most control) to parents having the least control and kids having the most control. This is for both spending the money, and getting the money.

The end goal of parenting is to get your child to the point where they have all control over their earning and spending of money.

But you know what? You don’t have to be there yet. You can start off further left of the chart, where you’re retaining more control over the money supply and money spending, and gradually loosen the reins as you feel more and more confident in your kid’s abilities.

The point is, just start somewhere. And “somewhere” being, getting money into your kids’ hands on a consistent basis so that they can start learning how to manage it.

Money Shift #3: Institute an Impulse Spending Limit

If you’re truly worried about your kid blowing all their cash on something that you would never blow all YOUR cash on, then you can institute some spending boundaries and limits to make things a bit more palatable.

Some examples include:

  • Setting a Spending Threshold: So, your kid would need to ask you before spending their money above a certain amount, say $20, $50, or really whatever limit limits your heartburn.
  • Setting an Impulse Spending Rule: Tell your child that for any impulse spending wishes they have, say for a new Pokémon accessory at the store, they have to wait at least 24 hours, 2 days, one week, etc. to buy it to make sure they actually want it.
  • Take them through a Financial Tradeoff Analysis: Each time they want to spend a bunch of their money, take them through a financial tradeoff exercise where they’ll calculate what else they could spend that money on (the tradeoff), and how much work they had to put into that money which they’re now transferring to the new gadget they want (is that life-sized Elsa doll worth 10 hours of babysitting their little brother? Not sure. They might think so).

I’ve given you three different money shifts you can make to hopefully get you fearing the idea of handing money over to your child a bt less. Try one out and let me know how it goes!

Handling money for kids may sound scary but it doesn't have to be! I'll show you how to confidently teach your kids how to manage their money and put your mind at ease Mama Bear. #teachkidsaboutmoney #kidsmoney #moneyteaching #parenting #momgoals #parenthood #kids #parentingtips |

How To Create An Allowance System That Actually Works

Wondering how much allowance to give your child? Let me give you some thoughts on the topic, plus how best to create an entire allowance system (what I call your Kid Money System).

Instead of worrying about how much allowance to give your child (how much allowance for a 12 year old? how much allowance for a 10 year old? $8 per week? $5 per week?), I’m going to open up your thinking a bit here.

Because worrying about how much allowance to give is just one tiny piece to the whole money pie of what I call your Kid Money System.

I’m Amanda L. Grossman from where I’m partnering with Mama Bears like YOU to teach your kids money through educational adventures like the Mt. Everest Money Simulation.

And today we’re going to talk about the 4 key elements you need to run your Kid Money System – whether you decide to give an allowance, pay for chores, or whatever else that works for your household.

Decision #1: Decide on What Money is Given for in Your Household

How is money “earned” or what is money given for in your household? This is your first major decision in setting up your Kid Money System.

Your options are:

  • The Dole Method: This is spending on-demand when your kiddo needs or wants something.
  • Learning-Based Earnings: Money is awarded based on child’s learning performance or efforts.
  • Allowances: A consistent amount of money is given every X amount of days.
  • Chore-Based Commissions: Money is earned from your kiddo completing chores/tasks.
  • Employee/Consultant-Based Earnings: Money is earned based on kid-initiated projects + ideas/employment.

Decision #2: Decide on How Often You Want to Pay

Next, you’ll want to figure out how often you’ll be putting money into your child’s hands. Common durations here are weekly, bi-weekly, or monthly.

Also think about what day of the week will you pay your child?

Tip: If your child is younger, you generally want to give money to them more often because they have less impulse-control than if they’re older and you’re trying to get them to more thoughtfully spend the money they’re given.

Decision #3: Decide on What Method of Payment You’ll Be Making

How will you be paying your child? You could use cash, gift cards, a check they deposit into their account, direct deposit into their account, allowance apps, etc.

Decision #4: Decide on How Much Allowance to Give

Here’s where things get juicy and our heads start to explode with all the options, right?

How much allowance are we supposed to give to our children?

Well, that depends on a number of things. So, while you’re sifting through all the articles on the exact amount of money to give to your child, let me help guide your decision.

  • What are their Money Responsibilities?: You can’t very well decide on a number – or look at someone else’s Kid Money System and see how much they’re paying THEIR child – especially without knowing the money responsibilities that you’re going to give your child. How are you expecting them to use this money? Do they have to cover any needs or wants from it? If so, how much would YOU need to cover those amounts? (psst: this is also how you can justify giving more money to an older child than to their younger sibling. Explain to the younger sibling, who might find the whole thing unfair, that they have less money responsibilities that they have to pay for. Their older sister may be getting more money, but they also now must buy their own X).
  • What’s their Age?: You don’t want to give gobs of money to a little guy if they’re just starting out, and you don’t want to give wee amounts of money to an older kid who is nearing the employment age and will be thinking they’ve hit the lottery (and can thus spend their paycheck that way) at their first job. Age matters.
  • What Do THEY Think they Should Get?: I am in no way saying you should go off of this number, but asking them can give you some money context from your kiddo’s world. You might find out that they think $5 is a whole lotta money, or that their friend gets $20/week, or that they think $5 is for babies. Context is golden!

Remember that each of these elements is part of your Kid Money System design, meaning that what you decide should be in line with the money goals you have for your child to meet.

For example, if you want your child to start saving money, then make sure you don’t give them enough money each payday for them to pay for everything they want. OR, you do something like hand over a new money responsibility for them to pay for, such as when they go to the movies on the weekend, but not give them enough to cover the cost within one week.

For much more information + ideas on how to set up your Kid Money System by design so that your child starts to self-discover the money goals you have for them, be sure to sign up for my free 48-hour Kid Money System Challenge below.

Have you decided to give your kids an allowance but aren't sure how much allowance to give? I'll help walk you through a few and figure out one that will work for you. #kidallowancechart #kidallowanceideas #kidallowance #kidallowancesystem #chorecards

Should Kids Get Allowance? 3 Mistakes Parents Make.

Should kids get allowance? How about an allowance for chores ? Well, that depends on what the allowance looks like (aka, your Kid Money System). Let’s talk about 3 mistakes to avoid when setting one up.

Should kids get allowance? How about allowance for teenager?

Well, if done right, an allowance can be like a set of training wheels. Money ones, that is.

It can prep your kiddo for what to do with the consistent income they will (hopefully) earn one day.

But if done incorrectly? Well, it could instill some not-so-desirable money behaviors in your child that could hurt their future bank accounts one day.

I’m Amanda L. Grossman from where I’m partnering with Mama Bears like YOU to teach your kids money through educational adventures like the Mt. Everest Money Simulation.

I’m going to outline for you 3 mistakes well-intending parents make when they give an allowance.

Pssst: Want to avoid these by setting up your Kid Money System the right way from the start (or tweak the one you’ve got that’s hanging by a thread)? Join my 48-Hour Kid Money System Challenge.

Allowance Mistake #1: Inconsistency

There are various ways your Kid Money System (allowance/chores/commissions – whatever you call it) could be inconsistent.


:: You forget to pay your child an allowance sometimes.

:: You pay them at different intervals (so sometimes once a week, and other times, once every two weeks).

:: You pay for chores, but the expectations you have for whether the chores were completed well enough for payment change depending on, well, whatever (the weather, your mood, your patience level that day – boy can my little guy test mine!).

:: Sometimes bailing your kid out when they need a “loan” from their next allowance period.

:: etc.

The reason why it’s super important to be consistent with whatever type of Kid Money System you are giving to your child – whether it be through an allowance, through chore commissions, through employment, etc. – is because that enables your child to:

  1. Plan Spending and Savings: If your child knows when money is coming, and how much is coming, then they have the precursor to being able to set savings goals for themselves and actually reach them.
  2. Feel Consequences: If you are consistent with when you give your allowance, and don’t give them an allowance earlier than actual payday just because they overspent, then you set up a system where they start to feel the consequences (both good and bad) of their decisions.
  3. And It Helps YOU Clearly See if It’s Working (or Not): There’s no “right” or “wrong” way to give an allowance. We talk about this much more in my free training (the 48-hour Kid Money System Challenge). But in a nutshell, it’s more about working towards the money end goal of parenting your child – that when they’re out of your house as an adult, they’re in total control of both earning and spending their money. In order to do that, you’ve got to know if the current system you’re using is working, which means you need to be consistent with it. Is the problem in the system itself, or in the execution?

Allowance Mistake #2: Thinking an Allowance Itself is a Money Lesson.

Did you know that the research indicates kids don’t become more financially savvy with an allowance alone (compared with other kids who were never given an allowance at all)?

It’s shocking…but true.

Where your child will actually get ahead in the money savviness department is following up their Kid Money System/allowance with conversations + lessons around money management.

Professor Lewis Mandell, who headed up the study of looking at the last 50 years’ worth of allowance research, concluded that “in today’s busy world parents too often simply pay their kids an allowance with no discussion of what it is for or how to manage the funds.”

You’ve got to include money conversations and recap sessions where you go over what your child learned from their latest money blunders in order to pass on those money lessons to your child.

Allowance Mistake #3: Not Handing Over Money Responsibilities

With money comes responsibilities.

Sure, there are a heck of a lot less when you’re a kid (ahhh those were the days – when $5 a week, the allowance amount I got, meant I could fill my candy quota).

So, if you never hand over spending responsibilities with the actual money…then you’re missing out on some key lessons in life.

And don’t forget that once you give them a money responsibility to take care of, you also will probably have to fork over more money. I mean you can’t expect them to take over the spending of their weekend activities on $5/week (unless you want them to lose motivation, that is!).

Want to learn much more about the best ways to set up your own Kid Money System (KMS)? Then be sure to sign up for my 48-Hour Kid Money System Challenge. You’ll receive a KMS Scoresheet to your inbox so that you can start to see where your own system stands, and where it could use some help.

Still trying to debate whether or not should kids get an allowance? Let's figure out if it's right for you after reading a few of the most common mistakes parents can make. #kidallowancechart #kidallowanceideas #kidallowance #kidallowancesystem #chorecards

What Are Allowances? They’re Not A Money Lesson.

What are allowances for kids? I can quickly tell you what they’re not – they’re not a money lesson for your child. At least not without this.

You read that right, Mama Bear.

Just giving children an allowance alone − whether from earning it through chores, projects, or handing it over − is not a money lesson that will make your child financially savvier than kids who never received an allowance at all.

And I'm not just saying that to grab your attention by scratching cross-grain.

There's real research to back it up.

Kids' Allowance is Not Enough to Teach Money Management

The study where this information originally came from was by Professor Lewis Mandell, who looked through all of the allowance studies from the last 50 years and found a really crazy outcome: kids who received an allowance were actually LESS financially savvy than kids who did not.

EXCEPT − and this is a B.I.G. exception − when parents gave a child allowance + talked with their kids about managing their new money.

Now THOSE were the kids who moved ahead in money-savviness.

Kinda shocking research, right?

I mean, before pouring through a Library of Congress-sized room of research for the Money Prodigy Online Summer Camp I hosted two summers ago, I would've thought that kids who received an allowance would be about three rungs up on the ladder in Joan Miro's famous Dog Barking at the Moon painting from kids who never got to touch the green stuff.

And in case you’re questioning the information, know that T. Rowe Price found something similarly convincing about the importance of money conversations on top of allowances in their 2014 Kids & Money Survey. According to their results, Teachable Money Moments are über important (the kind that get sparked by my free, fun Money Conversation Starters for kids.

You Need More than an Allowance – You Need a Kid Money System

The research is in. We both know an allowance alone is not going to cut it.

And I want you to knock teaching your child about money out of Minute Maid Park (any Houstonians here?)!

To do that, you need an entire system that ties your money goals for your child into its very design so that they can self-discover critical money lessons. It’s like creating your own money incubator!

Soooo…ready to not only get your allowance system together (I call it your Kid Money System), but to actually tie it around the money goals that you have for your child so that it naturally teaches them money management?

I’ve created a 48-Hour Kid Money System Challenge just for YOU, and it’s free! Click the button below to sign up + get your Kid Money System Scoresheet to discover some of the strengths and weaknesses of your current system so that you can tweak them.

What are allowances anyways? Are you using your kid's allowance as a money lesson? This may not be such a good idea Mama Bears and I'll tell you why. #kid #allowancechart #kidallowanceideas #kidallowance #kidallowancesystem #chorecards

5 Things You Don’t Know About Giving Your Kid An Allowance

Allowance for kids – whether that’s money given to your child outright, earned through chores, etc. – is a great opportunity for your child to start learning lots of different money lessons. Let's discuss kid's allowances – what you don't know.

Allowance for kids is a hotly debated topic among parents.

Should I just give my child an allowance, and how much, exactly? Should allowance be tied to chores, and WHICH chores…because I don’t get paid to do the dishes every day?

Let’s set aside which system is the “right” one (whatever that means), and instead focus on 5 things you didn’t know that could really make a difference in how you’re doing your OWN system.

Allowance Surprise #1: There is no one “right” allowance system or model.

I’m going to just put this out there, right off the bat. Because let’s be real – despite what the gurus think is the ONE answer for every single child, and despite how many articles on allowance jars you see out there, you and I both know that children are different.

What may work for one child, or a group of children, will not work for others. And after researching the allowance landscape for a few months, I can honestly say there are convincing arguments for each side of the allowance vs. chore commissions divide.

So, we all need to stop swinging mud at one another and start looking at the tweaks that can be made to any Kid Money System (what I call the system for how money gets into your child’s hand – it’s a bit more than that, but we’ll leave it there for now) to make it tailor-made for your family.

Ready to see how your OWN allowance system/Kid Money System is working? Click below for a free score sheet.

Allowance Surprise #2: Giving Children an Allowance is NOT a Money Lesson

Sounds crazy, right? I mean of course it seems that if your kid gets some money into their hands and gets to make a few decisions with it, that they’re bound to learn money lessons.

But according to the research done by one man, who looked at over 50 allowance studies over the years, the money lessons don’t occur JUST from handing your child over money.

Pssst: by the way, that is the case for both if your child has to earn the money through some sort of chore system, or if they are given the money through an allowance system.

Nope. They occur in the follow-up (i.e., in the money conversations + expectations that you attach with the money you’re giving your child).

Allowance Surprise #3: If you want your kid to get a similar allowance to your childhood amount, then you need to adjust for inflation.

Do you fondly think back on the allowance you used to get/earn in your own childhood? You might also get to thinking, “my kid should get the same amount I did.”

That’s all grand and good. BUT, you need to remember a little money concept called inflation.

In other words, the $5/week that I used to get when I was 9 years old? It couldn’t buy today what it used to buy back then because products and services naturally increase their prices over time.

There’s a simple tool here you can use to plug in your old allowance figures and see what it would be in today’s dollars.

For example, my $5 allowance I used to get back in 1992 would be about $9 in today’s money.

Pssst: try not to do TOO much emotional adjustment with this one, as the numbers don’t lie.

Allowance Surprise #4: You might want to start earlier than you thought.

There’s actual research that shows kids are capable of learning how to save money around the age of 5 or 6.

But guess what? If they don’t actually get a consistent amount of money at that age via your Kid Money System…then you’re missing out on a critical money stage.

Pssst: is your child over 5 or 6 years of age and you’re now wondering if you missed out? I’m not into scaremongering; you can definitely still teach your child what you’d like them to know, starting from any age. In fact, statistics show that the majority of parents who give an allowance start at around the age of 8.

Allowance Surprise #5: You should keep your eyes on your own paper.

Many parents look to other parents to see how much they’re paying their kids. But here’s the thing: the amount you pay your child has several variables involved to figure out, one of them being what money responsibilities you are now passing onto your child to pay for.

10-year-old Liam’s parents might be giving him $20/week in allowance but expect him to pay his lunch bill out of this amount. And if you give your child $20/week from overhearing this from his mother, but haven’t passed on the same money responsibility to your own child, then your child would be getting a lot more than Liam to burn through.

It’s best to get a range idea of what others are receiving, then ultimately come to your own conclusion once you figure out the money responsibilities your own child will have to meet with the money.

I’m hosting a 48-hour Kid Money System Makeover Challenge (free), where we’ll get down to the details of setting up your own, tailor-made, allowance system capable of being tweaked over the years as your child ages and their needs change. How about you join us? Click below to sign-up + get your free score sheet to see where your own Kid Money System currently stands.

Think an allowance for kids is easy? Here's 5 things you should know before you do! #allowance #for kids #allowancesystemsforkids #charts #money

5 Personal Finance Bloggers Share their Kids’ Personal Allowance Systems

Looking for allowance system tips for kids? 5 Personal Finance bloggers dish on the personal systems they use with their kid(dos). |

Allowance for kids can be tough to figure out. Especially when you feel like the new “it” Allowance System is not going to work for yours. Keep reading for some ideas from real-life systems used by personal financial bloggers.

An allowance system for kids can be tough to figure out – everything from coming up with a realistic allowance schedule, actually staying consistent, figuring out whether or not to tie it to chores (and which chores are appropriate for your kid’s age, anyway?), commissions, and what the heck you want your child to be responsible paying for with those new dollars burning a hole in their pockets.

Top that messy container off with the fact that everywhere you turn, someone is touting their allowance system as THE one. Even if you have a sneaking suspicion that it just isn’t going to work for your own kiddo.

Hint: there are probably as many allowance systems to choose from as there are Game of Thrones outcomes because kids are individuals and what works for one may not work for another.

I’m NOT here today to tell you that I’ve got the answer that’s going to work for you. Instead, I’m here to show you examples of what other personal finance bloggers are doing with their own kids to give you inspiration + ideas for how to get experimenting with your own child.

Might as well go to the experts who are dealing with it themselves, right?

Allowance System #1: Varying Pay Scale for Work Completed, Melissa Thomas

Age: 11 and 12 years old
Philosophy Behind the System: Melissa is trying to teach her kids work ethic along with getting paid.

Melissa says, “My boys don't get an allowance for kids, but they do get paid for jobs they do – WITHOUT complaining about it.

For example, my oldest who is 12, is helping me this summer with my dog-sitting business. He comes with me and helps feed the dogs, change out their water, play with them, etc. I'm paying him $2 for every time he comes with me AND he doesn't complain. HOWEVER, he has to keep a record of when he came with me and what he did. His payday is every Friday. He is doing a great job BECAUSE if he doesn't write it down, he doesn't get paid;) #motivation.”

“My youngest is 11 and he gets paid to help with extra jobs around the house like, bathing the dogs, helping with yard work, etc. Yes, the 11-year-old uses a checklist though. We write the jobs down for him to do and he checks them off once completed.”

Melissa adds, “they are expected to help with household jobs (cleaning, laundry, feeding the dogs) without pay.”

And how does her varying pay scale work? She says, “I should note that in each case, we don't tell them upfront how much they will earn for each job. For example, after the job is done we might say, “You could have earned $5 for this job BUT since you complained or had to be redirected or asked more than once to do it, etc., you are only getting $3. On the flip side, they may get paid $6 if they went above and beyond what was expected. We don't want money to be the reason they do a job well or not well. They are expected to do it well regardless of how much they get paid. Also, their pay is dependent on our budget so it varies.”

Allowance System #2: Allowance Tied with Spending Responsibility for All Entertainment, Kate Horrell

Age: Older Teens
Philosophy Behind this System: Kate doesn’t want to give her kids the impression that you help your family and the world solely for financial gain.

Kate explains, “We have four older teens. They have gotten a fairly generous allowance since they have had expenses. It is not tied to their family obligations, but I look at is as a chance to learn. They are responsible for all their own wants, which include entertainment, half of any field trip over $20, makeup, clothes beyond the basics, etc. While I think their allowances are huge, they are not nearly enough to get by without some scrimping or additional income.”

This helps with some of her bigger money lessons she wants to impart on her kids. She says, “It works for us. They know they have to pick and choose, and if they only work in the summer they have to budget to make that money last across the year, even if that field trip to Disney is in April.”

As far as tracking or tying it all with chores? Kate doesn't have time for it, nor does she think it will teach the sort of lessons she wants them to learn. “I just couldn't be bothered with tracking chores for money, and I also don't want to give them the impression that you help our family and the world around you solely for financial gain. They are expected to help our family daily and our community on some sort of regular basis. For example, this week two are volunteering at a local drama camp.”

Allowance System #3: Allowance Tied to Mixture of Chores + Family Responsibilities, Linsey Knerl

Age: 3, 6, 9, 11, 13, and 18 years old
Philosophy Behind the System: You help? You get allowance. You don't? You don't.

Linsey says, “We do $.50 per year of age per kid. They get paid weekly in cash. They have a list of chores they must complete to get it (and we live on a farm, so chores are like cleaning out coops and whatnot.) They are also expected to help in other ways for no money, just because (3 of my kids cook 3-4 meals a week, they weed the garden, babysit, etc.).”

Linsey also, “contribute[s] between $15 – 25 a month (depending on age) into a college account once they reach age 6 and are old enough to do chores. We are also not above tossing a wad of cash at them for really hard stuff (such as helping rip up floors in our rental, etc.) I have no time for a complicated system, so it's an all or nothing deal. You help? You get allowance. You don't? You don't. And when a kid is gone at camp for the week and a sibling kicks in and does all the chores for that kid, the allowance transfers. My kids also support a Compassion International Child with their allowance each month, so if they slack off and don't get much allowance, they might not have enough to support their child. So, they take it seriously.”

Allowance System #4: Learning Money Concepts to Learning to Earn, Andrew Daniels

Age: 5+
Philosophy Behind the System: First we used allowance to introduce money + money concepts to them. Now we’ve switched to having them earn the money so that they come up with their own ideas for how to do so.

Andrew says, “when our kids were young we started them out doing basic chores (making bed, cleaning their room, putting their dishes away) as their allowance. Now that they are a little older, we are switching to an earning method where they have to do things to earn getting their allowance. The bed making, and general household stuff is expected as members of the home. We did it this way at first because our youngest was only 5 when we started and wanted to be consistent between them. This was also how we introduced money to their lives. In the beginning, we were more wanting them to get the concept of saving half their allowance for bigger things. Now that they have the money concepts down we are switching to earning it, which I'm hoping leads to them finding their own ideas and ways to earn money.”

Allowance System #5: Allowance as A Vehicle for Purchase Conversations, Elle Martinez

Age: 4
Philosophy Behind the System: We'd rather her make a money mistake now while she's small and we're only dealing with toys rather than later when it can get messy. And expensive.

Elle explains, “We began when our little girl was 4. She was asking about toys so we figured it was time to start. We do $0.50 per year of age and she gets paid on Fridays.

As far as whether or not the allowance is tied to chores, Elle says, “she has core chores (like cleaning her room and dining table set up) that are not tied to her allowance. We do have bonus chores if she wants to earn extra money which she occasionally takes up. Right now, she's saving up for a Power Wheel.”

Elle is using this allowance to teach her child about money. Her daughter's money, “…is divvied up into save, spend, and give. To keep everyone on track and on the same page with everything we use FamZoo.”

It's also a vehicle for purchase decisions. “And whenever she wants to withdraw and use her cash, we chat about what she wants to buy and why. We want to create awareness with purchases. We'd rather her make a money mistake now while she's small and we're only dealing with toys rather than later when it can get messy and expensive. For her Power Wheel, we've started having the conversation of waiting much longer for buying a new one or paying a lot less for a used one.”

If you read through all of these personal examples, then you probably noticed something. Each allowance for kids is different, yet whichever system each blogger is using works for their child. So, gain some inspiration from the examples above, customize for your personal child, give it a shot, and assess after a few months. If something isn't working, tweak or move onto a new system altogether.

By experimenting, you'll eventually find the one for your kiddo.