Kids Ain't Cheap

4 Road Trip Tips When Traveling with Tweens

June 23, 2022 | Leave a Comment

Eight years ago, we moved from Chicago, Illinois to Tucson, Arizona. We still had family in Michigan, so we have made the road trip across 1,900 miles one way to visit family six times now. When we made the first trip, our kids were 10, 5, and 4. Our most recent trip was just a few weeks ago, and the kids are 18, 13, and 12. Traveling with them now is much easier, but regardless, the trip is a long one. We’ve learned many road trip tips when traveling with tweens. If you’re traveling with kids in the eight to 12-year-old age range, these tips may help your family survive a long road trip.

Road Trip Tips When Traveling with Tweens

Tweens are easier to travel with than younger kids, but they still can get bored quickly. Try these tips to make the trip go faster.

Make Maps for Them

I mapped out our route on Google Maps, magnified it, and printed it out. Then, I made binders for each kid with the seven pages showing the route. I put the pages in plastic page protectors and gave the kids dry erase markers. They marked on the pages as we passed areas, so they could see how much progress we had made and how much more we had to go. I also marked where we were stopping each night to make the three-day trip seem less daunting.

Have Them Pick a Fun Activity

Before we left, each child researched the route and found one fun thing they wanted to do. Our favorite activity that a child picked was Cadillac Ranch in Texas. We brought along some spray paint and joined others in spray painting the upside-down cars planted in the ground. When we have driven by later, other times we are making the trip, the kids still talk about the fun they had and how weird the attraction is.

Pack Food. . .and More Food

Tweens are hungry most of the time, especially on a road trip. We pack sandwiches and chips for lunch, but we also pack A LOT of snacks. Popular snacks include beef jerky, pretzels, granola bars, squeezable apple sauce, squeezable pudding, and fruit. Make sure the kids can easily access the snacks.

Limit Stops

Our drive is so long that it takes us 10 to 12 hours of driving each day to get to Michigan in three days. Add in a fun stop, and there’s not much time for anything else.

When we stop for gas, we also use the restrooms and get out our sandwiches, if it’s lunchtime. When we combine all of our stops in one, we only stop for 10 or 15 minutes before we’re on the road again for another three to four hours. We have found Love’s Travel Centers have the cleanest restrooms.

Final Thoughts

Traveling with tweens is less stressful than traveling with younger kids, but they can still get bored and antsy on long road trips. Use these road trip tips when traveling with tweens for a smoother, more entertaining drive.

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StoryWorth: The Most Thoughtful Gift That Can Be Cherished for Years

June 9, 2022 | Leave a Comment

My grandma died almost 20 years ago at the age of 90. I was close to her and thought I had asked her everything I needed to about her life. But as I get older, I realize there are still more things I would like to ask her and more I would have liked to have known about her, especially her younger years before I was born. I wish StoryWorth, the most thoughtful gift, would have been around when she was in her 70s and 80s.

What Is StoryWorth?

StoryWorth is a website that helps you learn about your relatives’ lives. For a $49 fee, you can get one question a week sent to your relative. Your relative answers the question, and StoryWorth compiles all of the answers. Your relative can also add pictures to the stories. After one year, the stories are bound into a hardcover book.

What Questions Are Asked?

StoryWorth has hundreds of questions. When you first pay for the subscription, StoryWorth populates 52 questions automatically. However, you can change out questions by looking through the available questions. This allows you to target specific information you’d like to know. Some potential questions include, “Describe one of your most memorable birthdays,” and “How did you meet your spouse? When did you decide you wanted to marry them?”

The Most Thoughtful Gift’s Stay Power

StoryWorth is an excellent gift for you and your children to learn more about older relatives’ lives. However, this gift is a gift that keeps on giving.

As I get older, I’m spending more time researching my ancestry. I have a great, great, great grandfather, Alonzo, who fought in the Civil War. He kept a journal during that time, but the journal was factual information about the battles he was in and the marches the soldiers took. There was nothing personal. I discovered that Alonzo’s mother typed up a two-page document about her life, which included personal information about Alonzo. That is a cherished document because those relatives now are more than a branch on my family tree. I have a glimpse into how they lived.

Imagine how cherished a StoryWorth book full of memories will be to future generations when they want to know more about the people in their family tree!

Our Experience with StoryWorth

I bought my mom a subscription to StoryWorth for Mother’s Day. She has answered every prompt with several paragraphs of writing. Although I know the stories behind most of her answers, my kids didn’t. They love learning more about their grandmother’s life, especially when she was younger.

Final Thoughts

StoryWorth is the most thoughtful gift for the recipient, the gift giver, and future generations. The recipient gets to share the stories of her life and relive her memories. The gift-giver learns more about the recipient’s life and create a cherished keepsake. Future generations of family genealogists get a priceless document that will let them deeply learn about the life of one person in their family tree.

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Baby Formula Shortage: How to Survive and Thrive

May 25, 2022 | Leave a Comment

The baby formula shortage has been making headlines lately. Stores are running out of stock and parents are struggling to find the right brand for their children. While this may seem like a major crisis, there are ways to survive and thrive during these tough times.

In this blog post, we will discuss some tips for finding baby formula during the shortage and ensuring that your child gets the nutrients they need.

Other Options For Feeding Your Child

First and foremost, it is important to remember that baby formula is not the only option for feeding your child. Breast milk is the best source of nutrition for infants, and there are many ways to obtain breast milk even if you are not able to breastfeed yourself.

Milk banks provide pasteurized donor milk. There are also organizations where you can connect with mothers who are willing to share their excess milk. If you are unable to find breast milk, infant formula is still a viable option.

However, it is important to note that not all formulas are created equal. Some formulas may be more difficult to find than others, but they may also be more expensive. It is important to do your research and decide what type of formula is best for your child.

Make Your Own Formula

Another option for parents who are struggling to find baby formula is to make their own. While this may seem like a daunting task, there are many recipes available online that can help you create a nutrient-rich formula for your child.

Of course, it is important to consult with your child’s pediatrician before you make any decisions about changing their diet. However, making your own baby formula can be a great way to ensure that your child gets the nutrition they need during this difficult time.

Final Thoughts

The baby formula shortage is a major problem that is affecting many families. However, there are ways to survive and thrive during this time. Remember that baby formula is not the only option for feeding your child, and consider making your own baby formula if you are struggling to find the right brand for your child.

Most importantly, consult with your child’s pediatrician before making any changes to their diet. With some careful planning and research, you can ensure that your child gets the nutrition they need during this difficult time.

While it’s important to do your research about what type of baby formula is best for your child, don’t forget that breast milk is still the number one source of nutrition.

7 Free Activities to Do with Toddlers This Summer

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7 Free Activities to Do with Toddlers This Summer

May 19, 2022 | Leave a Comment

When my kids were toddlers, we tried to do something outside the house every day, especially on the weekend. Staying inside made me stir-crazy, and I wanted the toddlers to burn off some energy outdoors. Summertime was my favorite time because there are so many free activities to do with toddlers.

7 Free Activities to Do with Toddlers

If you don’t want to spend a lot of money keeping your toddler entertained, try these free activities that toddlers love.

Visit Bookstores

Our bookstore had a large wooden train frame and several different toy trains. My son LOVED the train table. He would play for an hour at the table, and he enjoyed watching and interacting with other kids who came to play there. Parents can sit nearby and browse books while their kids play.

If your book store doesn’t have something like this, I still would take the toddlers to a bookstore, sit in a chair, and read them a few board books.

Utilize the Library

The library was one of my and my kids’ favorite places to go because there’s so much for toddlers to do:

Attend Storytime

We were regulars at storytime. Our library had storytime four times a week, and we showed up for many weekly sessions. They even had bilingual story time in Spanish. Afterward, the librarians usually had a craft for the kids to do. These events were a big hit with all three of my kids, and today they are voracious readers, which I attribute partially to all of the storytimes they attended.

Attend Enrichment Events

Likewise, many libraries have enrichment events you can check out. Our library has had magic shows, wild animal presentations, theater presentations, puppet shows, and many more activities. Check out your local library’s calendar and surrounding areas to find these events.

Borrow Busy Bags/Games

Libraries aren’t just for reading! In the kids’ area, many libraries have games and busy bags that their youngest patrons can check out. We always utilized these; my kids loved having new activities to do at home.

Museum Passes

At some libraries, you can check out museum passes, which allow you and your child to get into various museums around town for free! You can utilize these a few times a year to expand the places you have access to for free.

Attend Free Community Events

If you live in a larger city, there may be free community events during the summer. We lived in the Chicago suburbs when my kids were little, and every Saturday, my husband took the kids downtown to an event that featured singing, dancing, and games.

You may also find outdoor concerts, plays, and festivals. Fourth of July parades are usually a hit with the toddler crowd, too.

Swim

Free Activities to Do with Toddlers This Summer

Photo by Kenny Eliason on Unsplash

If you have a lake or public pool nearby, take your kids swimming. It’s never too early to learn to swim, and most toddlers love playing in the water and with the sand on the shore.

Final Thoughts

Entertaining your little one and getting her out and about in the community doesn’t have to cost a lot. These are just a few of the many free activities to do with toddlers this summer.

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Why Has Fast Food Become So Expensive?

May 5, 2022 | Leave a Comment

Our family hadn’t had our favorite fast food, Chipotle, since the pandemic began two years ago. When my daughter asked for Chipotle for one of her birthday meals this year, we happily bought it. But boy, were we surprised by the experience! We were shocked to hear our final total for four meals–$53! We were left wondering, why has fast food become so expensive? Our order total was significantly higher than when we bought Chipotle two years ago.

Why Has Fast Food Become So Expensive?

Fast food prices are increasing due to two variables.

Higher Priced Food Items

The United States is currently experiencing high inflation not seen in 40 years. The price of everything is going up including gas and basic goods like the food supplies fast-food chains rely on. When basics like lettuce, tomatoes, and meat increase, most fast-food chains have no choice but to pass those costs onto consumers.

Labor Shortage

In addition to higher food prices, fast food chains are experiencing a labor shortage, which has a ripple effect on the restaurants.

Shorter Hours

Some fast-food restaurants have cut their business hours because they don’t have enough staff. If the restaurant is open fewer hours a day, fewer workers are needed. However, the restaurant is then bringing in less money.

Fewer Items on the Menu

Some restaurants are offering fewer items on the menu to consolidate their business. For instance, Burger King is focusing on “menu simplification, removing low-volume items” (Insider). This streamlines the number of ingredients they need to buy and store.

Higher Wages

Finally, most fast-food restaurants have no choice but to raise wages to attract employees. Many chains have had to raise wages by 10 to 15%, which affects their bottom lines and requires them to raise food prices.

How to Combat High Fast-Food Prices

In our busy society, more and more families rely on fast food. However, if you no longer can afford fast food regularly, you have some other options:

Make Slow Cooker Meals

If you’re too tired to cook when you come home from kids’ activities or work, put a meal in the slow cooker in the morning before you leave. When you come home, a hot meal will be waiting for you.

Have Freezer Meals Ready

Another idea is to make meals to freeze. Thaw them the night before and reheat them when you get home. If you don’t have time for that, buy ready-made, family-size freezer meals from the store. They’re much cheaper than buying the whole family fast food.

Bulk Cook on the Weekends

Or, you could make several meals on the weekend. Then, during the week, reheat and serve. For busy nights when you won’t be home to eat, pack sandwiches and chips. It’s not fast food, but it is quick and easy.

Final Thoughts

Why has fast food become so expensive? The simple answer is that inflation is hitting all aspects of our lives. If you can no longer afford fast food regularly, you can try some other strategies to get a meal on the table quickly. Remember, inflation doesn’t last forever; eventually, you’ll be able to once again afford your favorite fast-food meal without such a punch to your wallet.

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4 Steps to Make a Move Smoother for You and Your Kids

April 21, 2022 | Leave a Comment

Gone are the days when people lived all their lives in the same small community in which they grew up. Now, people move frequently and across vast distances. On average, Americans move 11 times in their lifetimes. I’ve moved many times, the most recent a 2000-mile move occurring nearly eight years ago. My husband and I are preparing to move our family again, but this time we’ll utilize four steps to make the move smoother for us and our kids.

Find a Realtor Before You Move

If you plan to buy a house in your new locale, find a realtor before you move. When we moved cross-country, we found a realtor and worked with her long-distance. She was essential in helping us understand the lay of the land and what suburbs would be the best fit for our family.

Visit Before You Move

I highly recommend visiting the new area before you move. My husband and I did this about two months before we moved. He was able to meet and talk with his new co-workers. We also were able to meet with the realtor and see potential houses. Though we didn’t buy a house at that time, the realtor had a much better idea of what house layout we were looking for, and we were able to narrow down the specific neighborhood we wanted to live in.

Once we moved, we bought a house and were able to move in within a month.

Research, Research, Research Before You Go

When we moved previously, I put a lot of time and energy into finding a house but nothing else. However, as we prepare to move again eight years later, I am still researching homes, but I’m also researching more.

Now, I’m researching potential dentists, orthodontists, doctors, and extracurricular activities for my kids. When we move, we want to be able to get started immediately with our new life in a new location. Last time we moved, finding these services took a few months. This time, because I’ve done the research ahead of time, I’m hoping that we’ll be able to jump right into our new life. I would like to have the kids enrolled in their extracurriculars within the first few weeks of relocating.

Join Local Facebook Groups

Finally, before you move, join local Facebook groups in the new area to ask questions and get a feel for the community.

We homeschool, so I’ve joined several homeschool groups. I ask about homeschool co-ops and available activities, what suburbs people prefer to live in, etc. When we move, the kids will already have groups they can join.

I’ve also joined some mom groups specific to the area.

Another fun group to join is a bucket list or scenic group for the area. You’ll learn about the best places to visit, hike, and explore in your new state.

Final Thoughts

Moving to a new location can be exciting and nerve-wracking. Reduce your nervousness by taking these steps to make a move smoother for you and your kids. In no time, you’ll fit into your new location, and it will feel like home.

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Donate Breastmilk to Make Money from Home

April 7, 2022 | Leave a Comment

Every year in the United States, nearly 10% of babies are born prematurely. These babies often struggle in the first few months of their lives, but thankfully, strides have been made in the way preemies are treated. Now, premature babies born as early as 25 weeks have an excellent chance of survival if they receive proper care. One company, Prolacta Bioscience, is helping premature babies get the nutrition they need with the help of breastfeeding mothers.

What Does Prolacta Bioscience Do?

Prolacta Bioscience recognizes that preemies often need protein and calorie supplementation in addition to their mother’s breastmilk. Prolacta “provide[s] hospitals with the world’s first and only nutritional fortifiers made exclusively from donor breastmilk instead of cow milk” (Tiny Treasures Milk Bank).

Studies have shown that babies who utilize Prolacta’s “fortifiers had fewer complications and went home sooner” (Tiny Treasures Milk Bank).

Donate Breastmilk to Make Money from Home

To make the fortifier for preemies and critically ill children, Prolacta Bioscience needs human breastmilk. They rely on donors to supply this milk.

If you have a baby, are currently breastfeeding, and have excess breastmilk, you may be able to become a milk donor. Because of the time and effort required to pump, Prolacta gives mothers $1 per one ounce of milk that they donate.

After you’ve pumped, you’ll need to follow strict protocols to keep the milk frozen so that it does not spoil while you store it or when you ship it out.

How to Donate Breastmilk

First, you must take a prescreening exam to see if you qualify. You’re likely to qualify if you’re healthy, don’t take medication regularly, your baby is healthy, you don’t smoke, and you have a freezer at home. However, you must make sure other variables don’t apply to you, or you may be disqualified.

Once you pass the prescreening, you must then have a medical review as well as undergo blood testing and give a DNA sample. You can read about the entire process here.

How Much Money Can You Make?

How much money can you make from donating your breastmilk? The answer depends on how large your milk supply is and how long you breastfeed your child. One woman said that she has donated 30,000 ounces and earned $30,000 from donating to Prolacta Bioscience.

Remember that any money you make from your milk donation is subject to state and federal income tax. Prolacta will not deduct any taxes. You will need to talk with your accountant to determine how much money you should set aside to pay any taxes on your income from donating milk.

Final Thoughts

If you are lucky enough to have excess breastmilk and you meet all of Prolacta Science’s qualifications, you may be able to donate your breastmilk to make money from home. Most importantly, you’ll play an important role in helping a premature infant survive and potentially leave the hospital earlier than other preemies who do not receive fortification.

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Can You Homeschool and Work from Home?

March 24, 2022 | Leave a Comment

While homeschooling had been steadily growing in popularity, that growth exploded during the pandemic. Two years into the pandemic, some of those families who started homeschooling in 2020 have sent their kids back to school. Yet, many of them found that they enjoyed homeschooling and continue to do so. However, can you homeschool and work from home?

How to Homeschool and Work from Home

With the rising prices of food, gas, and other necessary items, for many families, having one parent stay home to homeschool isn’t an option unless that parent can also work part-time from home. I’m happy to say that you can homeschool and work from home. I’ve been doing so for the last eight years.

Homeschooling and working from home require excellent time management skills and flexibility on your and your family’s part. I can’t say what will work best for every parent who homeschools and works from home, but these are the steps that make it possible for me to do so:

How to Find Time to Work from Home

The first step to successfully juggling homeschooling and working from home is determining when you can work.

Co-ordinate with Your Spouse

My husband’s cooperation is essential. He’s the primary breadwinner, but every weekend for the last eight years, he’s spent his time with the kids so I can complete my work uninterrupted. I work about 10 hours total on the weekend, so I still have time to spend with the family. However, I do the bulk of my work on Saturday and Sunday. If my husband wasn’t willing to spend weekend time with the kids, I wouldn’t be able to work and homeschool.

Get Up Early or Work Late

Another way I find pockets of time to work is to get up early. I typically wake up by 5 a.m., do an hour or so of my work, and then exercise for 45 minutes, all before the kids wake up. Keeping this routine allows me to get another five to seven hours of work done each week.

If you’re not an early riser, you can stay up late. One homeschooling, work-at-home mom I know starts her workday after the kids go to bed. She typically works from 10 p.m. to 2 a.m. every day.

Take Jobs with Flexible Deadlines

I find the best jobs for me to complete while working at home are ones that have flexible deadlines. I am a freelance writer, and I have assignments due on certain days of the week. However, I know the topics well in advance, and I can work on them anytime during the month as long as I get them done by the deadline. Having that flexibility is essential.

I know some work-at-home jobs require that you’re available during certain hours and have a quiet location to answer the phone. While that may work for some families, for my family, I wouldn’t be able to do that because my kids are rarely quiet!

Recognize Some Home Tasks Won’t Get Done

As a homeschooling, work-at-home parent, recognize that you can’t do it all. It’s just not possible. For instance, I think I do a fair job of homeschooling, working, and cooking meals at home for my family. The neatness of my home is a different story. Our house has a lived-in look and is not as tidy as I would like. Although it bothers me sometimes, I know that I can’t do it all. For this season of my life, my house will be messier. I can have a tidier home when the kids are grown, and I’m no longer homeschooling.

You’ll Have Less Time to Relax

If you both homeschool and work from home, your days will likely be tightly scheduled, especially if you have several kids. Understand that you might not have as much time to relax as you would like. I love to read, but I don’t get to as often as I want because of my homeschooling and work responsibilities.

How to Find Time to Homeschool

Once you figure out how to find time to work, you next need to find time to homeschool. Keep in mind, you don’t have to teach your kids from 8 a.m. to 3 p.m. Since your kids are the only students, you may find that you get more done in less time than a teacher at a brick-and-mortar school who has 30 students she has to manage.

Be Flexible with the Schedule

In addition, be flexible with the homeschool schedule. For instance, if you need to read aloud a book to your child as part of your lesson, you can do that at night when you read to the kids before bed. No one says you have to read it during the school day. Or you could get the book on audio and listen to it in the car while you drive to an appointment.

Have Teacher-Led Activities at Scheduled Times

If you thrive on a schedule, determine when you will work one-on-one with each child. For instance, I work with my middle child from 8 to 9:30 a.m. and my youngest child from 9:30 to 11 a.m. After that, I prep lunch, and the kids do independent work. If we have anything to finish up together, we do that in the early afternoon, and then we are done with school for the day.

Choose a Less Teacher-Intensive Curriculum

If you’re working more than 10 to 15 hours a week, you may want to choose a less teacher-intensive curriculum such as an online program. That will free you from some homeschool time and give you more time to work while your children complete their schoolwork for the day.

Final Thoughts

Trying to homeschool and work from home is not easy, but it is possible. If you need the money from a job or enjoy working, know that you can both homeschool and work from home if you are flexible and well-organized.

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Why I Decided to Teach My Teen to Drive

March 10, 2022 | Leave a Comment

When I was a teen, my high school offered driver’s ed as a four-week class during the summer. We sat in an air-conditioned classroom during the morning and watched driver’s training videos. Then, in the afternoon, we went out to the parking lot to practice driving a car. Later, we made our way onto the roads. The instructor had a car equipped with pedals on his side to override any mistakes we made when braking or accelerating. However, now, thanks to budget cuts, many schools no longer offer driver’s training. Instead, parents must choose between teaching their kids to drive or paying for a driving school. For our family, there were several reasons why I decided to teach my teen to drive.

Why I Decided to Teach My Teen to Drive

Our family picked this option for a few reasons.

Driving School Is Expensive!

In our area, driving school is expensive! The cheapest package includes two hours of driver’s ed and two one-hour driving sessions for $189. Their mid-level package includes 10 one-hour driving sessions for $699. Their elite package includes 30 one-hour driving sessions for $1799.

If I picked the cheapest session, I would still have to go out with my teen for many hours of driving, so why not just do it myself?

We ended up buying a home-based driver’s ed program. We watch that for a few lessons. Then we hit the road. So far, our teen has about 10 hours of driving under his belt.

I Can Keep My Cool

Another reason why I decided to teach my teen to drive is that I can keep my cool. If he does something erratic like accidentally pushing the gas instead of the brake (it’s happened!) I can quickly and calmly tell him to hit the other pedal.

If you don’t think you can keep your cool with your teen, I don’t recommend teaching them to drive. My mom went out driving with me just twice before I got my license. Once, I was learning to drive stick shift, and I stalled the car in an intersection when I tried to go from a stop. My mom panicked and started saying, “Go, go! We’re going to get hit!” Let me tell you, that did not help me get the car moving.

We Have a Vehicle to Use

We have two vehicles, one we bought 17 years ago when our teen was just an infant. Of course, I don’t want my son to have an accident, but if he does have a fender bender, this vehicle can take it. If I had a brand-new car, I might not decide to teach my teen to drive.

Final Thoughts

Should you teach your teen to drive? As you can see, that depends on many factors. For our family, I decided to teach my teen to drive because we could save money, I stay calm, and we have a vehicle he can use. However, other families may have to consider other factors and make the decision that is right for their families.

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What Should Teen Drivers Contribute to the Expense of a Vehicle?

February 17, 2022 | Leave a Comment

Do you remember the day you received your driver’s license? I remember going down to the Secretary of State’s office on my 16^th birthday to get my license. It was the best birthday present ever. Now, my husband and I have a teen who is almost ready to be an independent driver. As a result, we are currently determining what should teen drivers contribute to the expense of a vehicle? If you ask this question to other parents, you’ll find answers just as varied as the parents themselves.

Avoid Burdening Them Too Much

Teenagers should learn that financial responsibility is the flip side of increasing independence. Most of us don’t want spoiled, entitled teens, and asking them to be at least partly responsible for some of a vehicle’s expense that they use is fair. However, I’m of the mindset that we shouldn’t burden teens in high school too much.

When I was 16, I inherited my dad’s fixer-upper El Camino. I was responsible for gas and insurance. That meant I had to have a job to have the vehicle, and I needed the car to have a job. When I had been driving for six months, my mom bought me a used Ford Escort in better shape than the El Camino. I made payments to her for the car and was also responsible for all of the maintenance and upkeep as well as gas, insurance, and registration. With this purchase, I was locked into having a job throughout the rest of high school to afford the car. That affected my grades.

I’ve decided to handle things differently with my kids.

What Should Teen Drivers Contribute to the Expense of a Vehicle?

Ultimately, what you choose is based on your beliefs and values. However, here are some popular options.

Pay All Expenses & Tie Car Usage to Behavior

One option, especially if you don’t want to give your vehicle to, or buy a vehicle for, your teen is to not have the teen pay anything. (This is also a good option if your teen doesn’t have time to work a part-time job.)

Using this approach, the vehicle is yours, and you’re simply allowing the teen to borrow it. However, you clearly state that the teen can lose the right to use the vehicle if he doesn’t maintain his good grades or if he has an attitude or does not keep up on his chores.

Pay for Gas

Some parents have their teens pay for gas only. If your child only works during the summer or does not have a job and does chores at home for money, paying for gas is a good option since she doesn’t earn a lot of money. If she’s financially savvy, she’ll soon learn to drive only when necessary and to combine errands so she doesn’t spend too much on gas.

Pay a Percentage of Their Income

Another option is to have your teen pay a percentage of their income to help pay for the car’s expense. If your child makes $100 a week at his job, maybe he pays 15% of his income, $15 in this case, per week, for the privilege of using the vehicle.

The Child Pays for Unusual Expenses

Regardless if you have the teen pay for gas or a percentage of their income or nothing at all, many parents have their children pay for unusual expenses.

For instance, if your child gets a speeding ticket, he is responsible for both the ticket and the amount that the insurance increases because of the ticket.

Or, if he has a car accident that is clearly his fault, he pays for the car repairs or at least a portion of the repairs. You may also require him to pay the deductible for the car repairs.

Why They Shouldn’t Be Responsible for Maintenance

Some parents want their children to be responsible for the car’s maintenance and upkeep, but I would argue against that. Car repairs nowadays can be expensive. Some teens will avoid routine maintenance like oil changes and regular tune-ups because they’re too costly. That’s unfortunate because routine maintenance lowers the cost of the car’s upkeep. Plus, many repairs are cheaper if they’re made as soon as the driver recognizes a problem.

That second car my mom bought for me? The Ford Escort? We bought it from a college student who we didn’t realize had not maintained it because he couldn’t afford to. Even though my mom bought the car with only 40,000 miles on it, it lasted me less than a year because the former owner never added oil to the vehicle or maintained it.

When your teen is driving, you want them to be safe, and you also want to maintain the quality of the vehicle. That’s why my husband and I plan to pay for the maintenance and repairs while our kids are in high school.

Save the Money for Them

If you can afford the vehicle and you’re having your child contribute only to learn financial responsibility, you have another option to consider. Some parents in this situation take the money that they require the teen to contribute for use of the car and save that money. They may put it in a Roth IRA for the child, which is only possible if your teen has a job. Or, they secretly put the money in an account that the child can use to buy a car when they move out or to use to fund the expenses they have when they move out.

Saving the money for the child (without telling her) is a good option because you’re teaching financial responsibility, but you’re also helping her in the future with her own money.

Final Thoughts

Having a car or access to a car as a teen is a privilege, not a right. Determining what should teen drivers contribute to the expense of a vehicle is a personal choice. We will most likely have our teen contribute the price of gas, and we’ll cover the rest until he’s older and has a part-time job.

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