HOW TO: teach your child about money

It’s never too early to provide your child with a strong foundation of financial wisdom and guidance. Learning financial principles at a young age will set the stage for a smoother transition into adulthood. From making small purchases with his or her own money to paying for college and beyond, wise financial stewardship is an essential skill.   

The Forbes article titled “The 5 Most Important Money Lessons to Teach Your Kids” encourages parents to take advantage of teachable moments in order to advise children about personal finance. For example, include your six-to-ten year old when making purchases at the grocery store. Give him or her several dollars and allow the child to make a selection based on parameters you have given (e.g. money must be spent on fruits or vegetables, cost not exceeding the specified amount, etc.). Parents should also remain interactive while shopping with children. Talking aloud and posing questions to your child, such as “Is this item essential?” or “Should we save money by buying an off-brand item instead?,” will keep him or her engaged in the activity and foster the concept that money is finite.

A U.S. News & World Report article, “7 Ways Smart Parents Teach Their Kids About Money,” references CEO of Offers.com Steve Schaffer’s method of teaching his own children about money. When doling out weekly allowances, Schaffer deducts a quarter for “family taxes” and requires each child to put 15% of the week’s money into a savings account. The child may then choose what to do with the remaining amount, which is where a multitude of teachable moments occur organically. For instance, instead of buying the toy that your child has been begging for, encourage him or her to set a goal and save their own money for the purchase. This is a perfect situation for eliminating instant gratification and teaching goal-setting, money saving, and perseverance. As discussed in past blog post “HOW TO: Foster a Strong Work Ethic,” present opportunities for your child to earn extra money by establishing a list of chores to be completed for payment.

Another idea to consider is using a clear container instead of the classic piggy bank. This will give your children a visual reminder of their saving and purchasing goals. You can also teach the value of coupons and sales by encouraging your child to hunt for coupons in the newspaper. Also, consider limiting the amount of advertising your child is exposed to when trying to teach money-conscious values. Open a dialogue about advertisements and commercials by asking questions like “Would you spend your money on that?,” “How much do you think that item costs?,” or “Do you think we really need that item?” View past blog post “CHALK TALK: Helping Young Children be Aware of the Purpose of Advertising” for more about parenting in an ad-saturated world.

Contributed by Rebecca Stokes, Fairmont Private Schools

Image by Claudio Jule, FreeImages.Com

HOW TO: foster a strong work ethic in your child

The development of a strong work ethic begins at home. In today’s world, success is based on academic achievement, character, and determination. A strong work ethic feeds into all three of these areas. Here are four steps for teaching your young child the value of hard work and honest effort:

1. Believe Chores are Necessary - Marie Hartwell-Walker, Ed.D., states in her article Teaching a Work Ethic, that “[parents] need to rethink [their] whole notion of chores. If you think they are optional,... so will your kids. [...] Our kids pick up our attitudes whether we say them or not.” Hartwell-Walker also notes that in order to teach proper work ethic, parents need to believe and exemplify that work is a necessity of life.
2. Model Hard Work - As your child’s foremost role model, lead by example when it comes to completing projects and chores. If you desire your children to put their dirty dishes in the dishwasher, make sure that you’re putting your dirty dishes into the dishwasher. Model to your child that work becomes easier when done thoroughly the first time.
3. Assign Age-Appropriate Jobs - Teach your child to be a contributing member of society by first encouraging him or her to be a contributing member of the family. Give each child age-appropriate chores to be completed routinely. Establish the boundary between chores that are required of family members, and those that can be done later for extra pay. 7 Ways to Teach Good Work Ethic While They are Young has more great ideas about assigning chores at home!  
4. Outline the Consequences - Hartwell-Walker explains the importance of clearly outlining the consequences of neglected chores when she says: “It’s [difficult] to connect life’s consequences with household chores, but consequences are still there. Unfortunately, the natural consequences are often visited mostly on [the parent]. Chores left undone fall in [his or] her lap... But, with a little creativity, you can make consequences clearer. For example, if [m]om has to do someone else’s job, she can’t possibly have the time to taxi that person where he or she wants to go. No need to be angry about it. It’s just a fact. And facts, presented factually, are far more impressive to kids than the high drama of anger and recriminations.”

Establish a routine, develop the understanding that everyone must contribute, and display the consequences of ignored work, to help your child understand the value of contributing to a family and accomplishing a goal as a team. Fostering a strong work ethic in your child will greatly prepare him or her for success in all future endeavors.

Contributed by Rebecca Stokes, Fairmont Private Schools

Image by Little Pickle Press

HOW TO: prepare for back-to-school

With family vacations and lazy days by the pool coming to an end, the new school year is just around the corner. Here are some great tips to prepare you family for the back-to-school routine:

1. Sleeping Schedule - Children love summer because of the relaxed bedtime schedule. To encourage a school year bedtime, try getting children to bed early and setting their alarms for a school morning two weeks before the start of school. This will help children acclimate to the new sleeping routine that’s sure to start with the new school year.
2. Family Calendar - Before school starts, gather as much information about sports schedules, class times, special events, etc. and outline everyone’s schedule on a calendar posted in a highly trafficked area of the house. Develop a color-coding system using highlighters or colored pens to help make dates and times clear for each family member. Tech-centered families can use calendar apps, such as iCloud Calendar, Google Calendars, or Sunrise Calendar, to seamlessly coordinate and synchronize schedules.
3. Streamline Cooking - Gear up for back-to-school season by making freezer meals one-to-two weeks before the start of the school year. Prepare as many healthy meals as possible before the new schedule sets in. Don’t forget that freezer meals are not just for dinner, but breakfast, too! Check out Fairmont’s Snacktime Pinterest board for great freezer meal ideas!
4. Fall Cleaning - Start the school year off with a clean house! After the upheaval of family vacations and summer activities, take time to put away all items and clothes that won’t be necessary during the fall and winter months. Clean up areas of the house that become easily cluttered, and try out a new organizing system with color-coded paper files, whiteboards, storage bins, etc. Don’t forget to clean out the family car before carting kids to and from school and events.

Taking the time to prepare your family and home before the back-to-school rush will help make a smooth transition into the school year!

Contributed by Rebecca Stokes, Fairmont Private Schools

Image by HAAN

FAIRMONT FIVE: teaching good manners

All parents want their children to be well-behaved in social settings. The best way to help your child succeed in this area is to teach him or her proper etiquette and manners. Encouraging courteous behavior will help ensure your child respects peers and authority figures such as teachers and coaches.

Understandably so, “kids will be kids.” However, teaching them that there is an appropriate time and place for proper manners is important. Below is a list of five essential manners and ideas for encouraging each:

1. “Please” and “Thank you” - Teaching children to say “Please” and “Thank you” before and after receiving something is no easy feat. However, by incorporating these words when talking to your child, he or she will being to see the pattern and corresponding reaction. When your child asks for something and does not use the “magic words,” remind them of “Please” and “Thank you.” Wait until they have asked correctly to give the reward. Also, do not forget “Excuse me” and “Sorry.”
2. Proper Table Manners - When you child forgets to say “Excuse me” after a burp, or begins to chew with his or her mouth open, gently remind the child of the proper behavior. Being a model of good table manners is one of the best ways for children to learn how to behave while eating.
3. Turn Off Electronics - Today’s children are tied to technology. There is a time and place for technology, but Christmas dinner at a relative’s house is not it. Let your child know that there are times to play on the iPhone, and that there are times to engage in conversation with others.
4. Telephone Etiquette - Children listen to adults take calls all the time and will be a quick study when learning how to answer the telephone. When your child becomes old enough to take phone calls, provide opportunities to practice a friendly phone demure.
5. Spreading Kindness - Letting your child know that it’s important to demonstrate kindness to everyone is an important step. Opening doors for others, saying “Please” and “Thank you,” and using polite words are all simple ways that children - and adults - can show kindness to others.

Being conscientious of others lies at the root of all societal manners and etiquette. When we are conscious of the feelings and preferences of others, we demonstrate respect for those around us. The most effective approach to instill good manners in your child is by being an example of proper etiquette yourself. Cultivating good manners takes time, but the rewards of a respectful, well-behaved child are endless.

For more tips and ideas about teaching manners, check out these great articles:

6 Tips on Raising a Well Mannered Child

Manners Matter: 10 Manners Every Child Should Know

It Still Matters: How to Teach Good Manners

Contributed by Rebecca Stokes, Fairmont Private Schools 

Image by RoomToGrow.co.uk

FAIRMONT FIVE introducing young children to the wonders of nature

Summer break offers excellent opportunities to be outdoors, whether it’s visiting the beach, mountains, deserts, or even your backyard. Breathing fresh air, getting exercise, satisfying curiosity, and feeling a warm breeze on your face are a few of the many joys of exploring the wonders of nature.

Under the caring guidance of parents, young children can gain an amazing perspective of the world around them, from engaging in a backyard safari to spending a week at a national park. We live on a beautiful planet, and it’s worth exploring!

Here are five simple steps for parents to expand their children’s appreciation for nature:

Ecosystem outside your back door— A patch of weeds, flower garden, a green belt, and community park yield an abundance of tiny discoveries for young explorers. Children can record their observations by drawing pictures. Here’s an opportunity to teach the importance of examining and appreciating plants and bugs only with their eyes and not with their hands.

Digging in the dirt – For a small child, a small hole in the back yard is a portal to an amazing journey where imagination and science intertwine. Pick out a spot where your child can use a kid-appropriate shovel and bucket to find worms, bugs, rocks, plant roots, and more. To enhance the experience, plant some plastic dinosaurs to recreate a paleontological dig!

Exploring with your ears – Encourage your child to sit quietly on a bench. After a few minutes, your little one will easily pick up bird songs and the sound of wind blowing through the trees. The child can pretend to be a creature silently hiding.  This will engage their imagination while experiencing the simplistic beauty of the natural world.  This activity definitely fosters the value of patience and reinforces the discipline of learning to sit quietly and listen attentively.

Nature scavenger hunt – This is a fun way for children to pay attention to their surroundings, as well as seasons of the year. While in the yard or on a short hike, children can pick-up leaves, seashells, and small rocks as a reminder of the places they explored. Each item can be linked to a story in pictures about the outdoor experience. (Please note public park rules in regards to collecting items.)

Let’s talk about it – Discuss the experience of being outdoors with your child. Parents can follow-up with questions and observations to determine the child’s favorite part of being outdoors and what they would like to do on their next adventure in nature.

Contributed by Doug Fleischli, Fairmont Private Schools
Image by Extension

CHALK TALK: preparing your child for kindergarten, part 4 - building oral language skills

Being an effective communicator is an important component to everyday life, which is why helping your child build oral language skills is vital to their development. Teaching little ones to effectively communicate verbally is an important step in growing up. Below are several benchmarks for children entering kindergarten:

1. Politely converse with peers and initiate conversation with adults
2. Show a steady increase in vocabulary
3. Use adjectives in conversation
4. Communicate specific needs, such as “I am hurt” or “I need to use the restroom”

Though there are many communication skills for children to learn, incorporating some of these activities will aid their progression:

• Read, Read, Read - Reading to your child is an excellent vocabulary building exercise. Encourage your child to ask questions about words that he or she does not understand. Be sure to take time to pause while reading to ask critical thinking questions such as “Do you think that character made the right choice?”
• Be the Example - Remember that when you communicate with others in front of your child, you are setting an example. When children observe adults following the rules of conversation (taking turns talking, speaking in calm tones, not interrupting), they will imitate.
• Incorporate New Words - Children are constantly absorbing new words and phrases. Use these new words in context during a regular conversation. This repetition, along with providing examples to show how the word is used in a sentence, will not only help your child commit the word and its definition to memory, but will also encourage your child to use new words when talking with others.
• Play “I Spy” - Playing “I Spy” with your child will help him or her develop spatial awareness and learn to describe location, color, and size. Encourage your child to add more details to the game by listing certain attributes such as “I spy something green on the floor near the table.”
• Talk About Feelings - When your child is upset, ask him or her to describe their feelings. Helping to identify specific emotions and learning to handle them is a very effective communication tool for children and adults alike.
• Tell Stories - Set aside some time to tell stories with your child. Begin by telling your own short, imaginative story, then encourage your child to do the same. Ask questions once the story ends, like “What color was the giant fish?,” or “What would have happened if this character did this instead?” Asking questions will help your child focus on recalling specific elements of the story and providing more clarification.

As children progress through their education, the ability to clearly articulate ideas becomes more prevalent and follows them into adulthood. All children learn at their own pace, but be sure to encourage their learning and growth by taking some time each day to help foster these communication skills.

Visit the Fairmont Early Childhood Education Pinterest board for more great ideas for your young learner!

Contributed by Rebecca Stokes, Fairmont Private Schools

Image by Karate of Mansfield   

ARTS + CRAFTS: “jurassic world” inspired amber fossil slime

In the spirit of the latest Jurassic Park movie, here is a fossil slime recipe sure to thrill your budding scientist!

Ingredients:

• 2 Teaspoons Borax Detergent Booster
• 1 ½ Cups Water
• Tangerine Essential Oil (optional)
• 1 Bottle Elmer’s Clear School Glue
• Red and Yellow Food Coloring
• 2 Mixing Bowls
• Mixing Spoons
• Plastic Insect Toys

1. In a small bowl, combine 1 cup of water and 2 teaspoons of Borax. Stir well, then set aside.
2. In a larger bowl, mix the remaining ½ cup of water with the entire bottle of glue. Mix well.
3. Add 1 drop of red food coloring and 3 drops of yellow food coloring into the water/glue mixture. Mix well.
4. Add 2-3 drops of Tangerine Essential Oil. While this step is optional, it gives the slime a nice smell.
5. Pour your water and Borax mixture into the colored glue mixture. You will see the slime start to form immediately.
6. Use a spoon to mix the ingredients, then remove the slime from the bowl. You will notice some water left over. Pour out the extra water and place the slime back into the bowl. 
   
7. Push plastic toy insects into the slime until covered. Remember that the idea behind this slime is to have fossilized insects like in the original Jurassic Park movie.
8. Allow the slime to set for a few minutes before using.
9. When the kids are done, store in an airtight container, such as Tupperware, for future use.

To view the original recipe, visit TotallyTheBomb.Com: Jurassic World Inspired Amber Fossil Slime!

Contributed by Rebecca Stokes, Fairmont Private Schools

Recipe and images contributed by Jamie Harrington of TotallyTheBomb.Com