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Should You Reward Kids for Good Grades?

July 16, 2020 | Leave a Comment

One of the more controversial topics in parenting circles, right behind should children be paid an allowance tied to chores, is, should you reward kids for good grades?  As a student, I never received money for good grades.  I didn’t need to because I liked learning and school.  Likewise, we haven’t paid our kids for good grades because generally, they get good grades on their own.  However, if paying your kids works for you, then, by all means, continue to do so.

Should You Reward Your Child for Good Grades?

Why You Shouldn’t Reward Kids for Good Grades

Our family has several reasons why we don’t reward kids for good grades:

Learning Disabilities

We have three kids, and two of them have dyslexia.  Those two are currently getting an intervention to help them read more fluently, but they’re always going to struggle with reading, writing, and spelling.  If I reward all three kids for good grades with money, the one without the disability will generally earn more.  Likewise, if you have a gifted and a typical learner, the typical learner may struggle more than the gifted learner.

The Love of Learning Should Be Intrinsic

Another reason why we haven’t yet paid our kids for good grades is that all three are motivated to earn good grades on their own.  They have an intrinsic desire to get good grades.  When an intrinsic desire is there, kids are usually more motivated than if they had an extrinsic motivator like being paid money.  (Having said that, if our kids had little desire to learn, we may implement a monetary system to motivate them to get better grades.)

May Encourage Cheating

Should You Reward Kids for Good Grades?
Photo by Antoine Dautry on Unsplash

This is not true for all kids, but for some kids, getting paid for good grades may encourage cheating.  Let’s say a child gets paid $10 for a C grade but $50 for an A grade.  If he struggles with the material, he may resort to cheating to boost up his grades and make more money.  After all, if a child is getting all Cs for six classes, that’s only $60 for the term versus if a child is getting all As and earning $300 a term.  I would say $240 is a strong incentive to cheat to get a better grade, especially if working hard and studying isn’t giving the child the results that he wants.

Final Thoughts

There is no right answer to the question, should you reward kids for good grades.  Many parents argue, rightly so, that rewarding their children helps motivate them.  (Keep in mind, some parents reward with money while others reward with privileges.  Either work, though privileges might work better for younger kids.)

However, our family philosophy has always been, if it isn’t broken, why fix it?  For our family, our kids are motivated enough on their own to try to get good grades.  We’ve been hesitant to add in a reward system for that reason and also because it seems unfair to the children who have dyslexia.

Melissa Batai
Melissa Batai

Melissa is a writer and virtual assistant. She earned her Master’s from Southern Illinois University, and her Bachelor’s in English from the University of Michigan. When she’s not working, you can find her homeschooling her kids, reading a good book, or cooking. She resides in Arizona where she dislikes the summer heat but loves the natural beauty of the area.

Filed Under: Money and Finances Tagged With: Getting Good Grades, kids education, Rewarding Students For Good Grades

7 Helpful Tips for Buying Children’s Eyewear

July 16, 2020 | Leave a Comment

When your little one needs children’s eyewear, it’s time to start the process of finding the perfect pair. The perfect pair of glasses for adults might not always be the same for children. What a pair of glasses needs to be considered ideal for your little one is much different than what your own pair needs to be considered perfect for you.

[Read more…]

Filed Under: KACURP, Money and Finances

Why the Pandemic Affected Our School Choice

July 9, 2020 | Leave a Comment

When the pandemic struck, my oldest child was in a public high school.  His school shut down after spring break and offered all online classes.  Quite frankly, the whole experience was a disaster.  All of the teachers were new to online schooling, and the classes had to be put together quickly.  This learning environment was chaotic and confusing.  Plus, the governor told all schools that children’s grades couldn’t be any lower than the grades they were receiving in person, so kids like my son, who were already receiving good grades, lost motivation.  As the pandemic stretched into early summer, we made bold decisions about his education.  There are several reasons why the pandemic affected our school choice.

Why The Pandemic Affected Our School Choice

Why the Pandemic Affected Our School Choice

Our goal is to give our child the best education for the circumstances, which required a different way of thinking for us.

In Person School Wouldn’t Be the Same

Why the Pandemic Affected Our School Choice

Our son is a social kid, and we knew he’d struggle with social distancing in school and being with a smaller cohort of kids because the school was going to stagger which kids go to school on which days.

We Didn’t Feel the Environment Would Be Safe

Frankly, with all we’re learning about COVID-19, we just didn’t feel the environment at school would be safe no matter how many precautions are taken.  The virus thrives indoors with many people, and that’s the environment for schools.  I know many schools are taking precautions, but for us, that’s not enough.

The School’s Online Platform Wouldn’t Work for Us

Our son’s school did offer a completely online option, and at first, we were interested in pursuing this.  However, we learned that teachers will be in class teaching their classes with the students in person, and the online students will watch the class and try to participate that way.

I can’t imagine sitting through an entire school day online, every day.  That means our son would be sitting in front of the computer for roughly 35 to 40 hours a week.  Then, he’d get off the computer and do his homework.  Quite frankly, doing this sounds exhausting.

What We Ultimately Chose

Why the Pandemic Affected Our School Choice

We ultimately decided to enroll our son in a completely online school.  The teachers at this school only teach online, so they’re very familiar with this type of educational delivery.  Just to make sure this option is right for him, we enrolled him in summer school.

The teachers are attentive, calling him to ask if he has questions and encouraging students to text them if they have issues.  Students do most of the work independently, but they are required to go to one class a week per class.  (The teacher only offers one class per week.)

Using this system, our child can do his work in flexible, safe, comfortable environment.  He still engages with the teacher and other students during the online class, but he’s not required to sit at a computer for hours every day.

Final Thoughts

As you can see, there are several reasons why the pandemic affected our school choice.  We’re still hopeful that the pandemic will no longer impact the 2021-2022 school year and that our son can go back to his public school then.  But for now, we think we’ve made the best decision giving the unique circumstances we are all facing this upcoming academic year.

Melissa Batai
Melissa Batai

Melissa is a writer and virtual assistant. She earned her Master’s from Southern Illinois University, and her Bachelor’s in English from the University of Michigan. When she’s not working, you can find her homeschooling her kids, reading a good book, or cooking. She resides in Arizona where she dislikes the summer heat but loves the natural beauty of the area.

Filed Under: Education, Parenting Blog at KidsAintCheap Tagged With: changing schools, online school, pandemic

Colloidal Oatmeal Shampoo for Dogs: The Ultimate Guide

July 8, 2020 | Leave a Comment

When you have a dog, you get used to finding dog hair everywhere. With some breeds, the hair even travels with you. But what you shouldn’t get used to is finding dandruff in your dog’s coat.

[Read more…]

Filed Under: KACURP, Money and Finances

Good Old Dog: 10 Tips for Giving Your Senior Dog the Best Life Possible

July 7, 2020 | Leave a Comment

Every dog has its day, sure. But, if your dog has seen many days, is he ready for his senior years?

As our beloved family pet grows older, their needs change. They are more likely to experience health problems, and their food and exercise needs aren’t what they were.

[Read more…]

Filed Under: KACURP, Money and Finances

Mom’s In Recovery: 5 Must-See Gifts for Recovering Addicts

July 7, 2020 | Leave a Comment

What are the best gifts for a recovering alcoholic? If you have a mother recovering from an addiction, you can surprise her with a beautiful, heartfelt gift.

Sometimes it’s not always an easy task to find the perfect gift.

[Read more…]

Filed Under: KACURP, Money and Finances

What Type of Assets Can Children Inherit?

July 1, 2020 | Leave a Comment

As you get ready to prepare a will and perhaps a trust, it’s important to know what type of assets can children inherit?  The simple answer is that if the children or grandchildren you want to leave money to are minors, there is little they can inherit outright at that age.  However, when they reach the age of majority, they are free to inherit everything you leave to them.  The questions then become, how early do you want them to receive the money once they reach majority and how much control do you want the custodian to have over their financial decisions.

What Type of Assets Can Children Inherit?

What Type of Assets Can Children Inherit?

Children can inherit whatever assets you would like to leave them after they reach the age of majority.  In general, if the child is still a minor, you can determine three ways they receive your assets.

A Will

What Type of Assets Can Children Inherit?
Photo by Wesley Tingey on Unsplash

The simplest (and cheapest) option is to just set up a will for your child.   You assign a custodian to raise your children.  However, the will must go through probate, and the court, not the custodian, will have control of the money until the children reach majority, which is 18 or 21 depending on the state you live in.  Then, the children are free to use the money as they see fit.

A Revocable Living Trust

When you set this up, all of your assets go into the revocable living trust, and you can use the money and assets as you like when you’re alive.  When you die, the revocable living trust seamlessly changes hands to the designated trustee.  You can give very clear terms for your trustee such as stipulating a child who is an alcoholic, drug addict or gambler will not receive the money.  Likewise, you could say that the child can have $15K a year from the trust.  Or you can say that the money must be used for college.

Then, the trustee just executes your terms.

An Irrevocable Trust

The last option is to set up an irrevocable trust.  If you chose this option, make sure you’re certain because an irrevocable trust is permanent.  If you put $500K in an irrevocable trust for your grandson, you can’t change your mind later because you no longer want him to have the money.  What is done is done.  However, like a revocable living trust, you can have a say in when the minor child will receive the money and how.

There are some benefits to this type of trust because it can lower your estate tax burden, and it can lower your assets if you need, for instance, nursing home care.

Final Thoughts

If you’re wondering what type of assets can children inherit, the simple answer is not much while they’re minors.  However, you can set up one of the three options above for your minor children.  Once they reach majority (for wills) or the age that you designate (for trusts), they can start receiving their inheritance.  While there are benefits to each of the three types, there are also drawbacks, so consider carefully which one to set up for both yourself and your minor children or grandchildren.

 

Melissa Batai
Melissa Batai

Melissa is a writer and virtual assistant. She earned her Master’s from Southern Illinois University, and her Bachelor’s in English from the University of Michigan. When she’s not working, you can find her homeschooling her kids, reading a good book, or cooking. She resides in Arizona where she dislikes the summer heat but loves the natural beauty of the area.

Filed Under: Money and Finances Tagged With: assets, estate planning

How to Prepare Your Child for a Root Canal

June 30, 2020 | Leave a Comment

Did you know that around two-thirds of adults are afraid of going to the dentist?

For many people, this fear stems from bad experiences that happened as a child. If you want to encourage your children to maintain their oral health through adulthood, helping them have positive experiences at the dentist is crucial.

[Read more…]

Filed Under: KACURP, Money and Finances

9 Healthy and Refreshing Kindergarten Lunch Box Ideas

June 29, 2020 | Leave a Comment

Every parent feels the strain of having too much to do and too little time for it all. Packing healthy lunches for your child is just one more task on the to-do list. Let’s be honest, there are only so many times your child will eat peanut butter and jelly before they rebel.

[Read more…]

Filed Under: KACURP, Money and Finances

Parenting Win: Teaching Money Skills to Your Kids

June 29, 2020 | Leave a Comment

Did you know that one out of four adults in the US said they didn’t learn about finances growing up? Consider teaching your kids the importance of budgeting and saving. They will be better equipped, going off on their own after graduation.

[Read more…]

Filed Under: KACURP, Money and Finances

Boredom Busters: Top Card Games of 2020

June 25, 2020 | Leave a Comment

Looking for ways to spice up your family game night? If so, you may want to go back to the tried-and-true well of card games.

Whether you’re on the road or at home, card games remain a great family diversion. You have many options to choose from, from the classic Uno to new entrants such as Exploding Kittens. The only real question is: how much free time do you have?

[Read more…]

Filed Under: KACURP, Money and Finances

How to Save Hundreds on Diapers

June 25, 2020 | Leave a Comment

You might have seen those scary numbers that tell you the cost to raise a child is over $200,000 from the time of birth until the age of 18.  While there are plenty of ways to cut costs when raising your children, there’s one expense that hits you as soon as your child is born—the cost of diapers.  We had two kids in diapers for 1.5 years, and I remember being so glad when they were potty trained as we got a large chunk of our budget back.  While there’s no way to avoid this expense, there people do learn how to save hundreds on diapers.

How to Save Hundreds on Diapers

How to Save Hundreds on Diapers

There are many techniques you can use to save, but you’ll save even more if you put several of the strategies together.

Use Cloth Diapers

How to Save Hundreds on Diapers
Photo by Padmavathi Ashok Kumar on Unsplash

The best way to save is to use cloth diapers.  Most people dismiss this idea because cloth diapers aren’t allowed at daycare.  If that’s the case, use cloth diapers at home and buy disposable for daycare.  You’ll still see significant savings this way.

Buy Cloth Diapers on eBay

I cloth diapered my son almost exclusively.  I bought several lots of used cloth diapers on eBay with mixed results.  I ended up with some very nice diapers, but I also ended up with some worn out diapers that I couldn’t use.

Do Your Research First

If you’re going the eBay route, first research which diapers you’d like to use.  (There are so many brands of cloth diapers with so many different features.  Cloth diapering is not like it was 30 years ago!)

If you buy new, your diapers will likely last through several of your children.

If you buy used, check the quality description carefully.  You don’t want to end up with diapers that have very little life left.

How to Save on Disposable Diapers

There are quite a few strategies to save money on disposable diapers.  Use as many as you can to save even more.

Buy Off Brand Diapers If You Can

Of course, the biggest diaper brands, Huggies and Pampers, cost the most.  However, there are many off brand diapers that are much cheaper than the big brands.  Look for Target Up and Up diapers, Walmart’s White Cloud diapers, or Luvs.  Likewise, Walgreen’s and CVS each have their own house brand of diapers that are cheaper, too.

Use Amazon Subscribe & Save

If you have an Amazon Prime account, make sure to use subscribe & save.  When you go to put the diapers in your cart, you’ll see an option to make a one-time purchase or to make the item subscribe & save.  Thanks to Amazon Family, when you choose subscribe & save, you save 20% off your diaper purchase every time.  You just have to make sure you have five or more products on auto-delivery at the same time to the same address.  (FYI, baby food is also included in the eligible products list, so you can save there, too.)

Use Coupons

There are many, many coupons for diapers.  You can check out Coupons.com, Ibotta, or Checkout 51 for diaper coupons.  You can also email the company and sign up for their email.  (Luvs is known to be especially generous with their coupons when you sign up for their mailing list.)  Even Costco and Amazon have coupons for their diapers occasionally.

A Covert Way to Save

Diaper packages generally have a size range.  For instance, Huggies Snug & Dry size 2 one-month supply has 222 diapers in a box and fit babies weighing 12 to 18 pounds.  Size 3 of the same has 200 diapers and fits babies 16 to 28 pounds.  Some moms save money by keeping their child in the smaller size diaper as long as they can because you get more diapers per purchase in the smaller size.

You’ll know it’s time to move up to the bigger diaper size when your baby has frequent leaks or blow outs.

Build a Diaper Stash

How to Save Hundreds on Diapers
Photo by Nathan Dumlao on Unsplash

Another option is to build a diaper stash before baby is born and when you can find diapers at a great price.

Some women ask each person attending their baby shower to bring a box of diapers or wipes.  Other women start stocking up the minute they find out they’re pregnant.  (You can find quite a few good sales on diapers in nine month’s time and end up with a nice diaper stash.)  If you’re not sure what sizes to buy, there’s a handy chart one mom created documenting how many diapers in each size her daughter used during her first year.

One caveat here—be careful building a diaper stash.  I’m actually glad I never built a diaper stash.  Why?  All my kids were born over nine pounds and didn’t even fit in the newborn size diapers.  Second, one of my children had very chunky legs, so Pampers’ slimmer cut didn’t fit her well.  We had to keep her in Huggies.  If I would have stocked up on Pampers, I would have lost all of that money.  Some babies are allergic to some diapers, so those can’t be used.  For these reasons, I’d actually discourage new moms from building a diaper stash.

Buy in Bulk

If you can afford it, buying diapers in bulk is the way to go.  The bigger the box you can afford, the less you pay per diaper.  Costco is a great place to buy diapers if you don’t have an Amazon Prime account.  Target also has sales for boxes of diapers where you buy a certain amount in diapers, say $100, and then you get a $25 gift card.  This deal gives you a great incentive to buy in bulk.  (Don’t forget to get and use the Target Red card to save 5% off your purchase.)

Final Thoughts

While diapers are expensive, there are strategies to learn how to save hundreds on diapers.  Use some or most of these techniques and see how much you save.  And remember, while diapers are a big expense temporarily, this expense will usually go away in three years.  Then, it’s on to the next expense for you child.

Melissa Batai
Melissa Batai

Melissa is a writer and virtual assistant. She earned her Master’s from Southern Illinois University, and her Bachelor’s in English from the University of Michigan. When she’s not working, you can find her homeschooling her kids, reading a good book, or cooking. She resides in Arizona where she dislikes the summer heat but loves the natural beauty of the area.

Filed Under: Money and Finances Tagged With: baby expenses, best ways to save money as parents, Diapers, Frugal

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