Friday, 16 May 2014

A Rebel without a cause.

Reflecting back on our homeschooling journey one area I am most proud of is teaching financial literacy.
 It has set the kids up for life and they both "get" money, save hard and spend wisely.

We taught the kids about money by giving them our money to practise on - they learnt  lessons with our money so now as they go out into the world they have already had a taste of how far money goes and doesn't go.Plus when James gets his lovely big pay packets he just carries on budgeting as he has since he was 6 years old.

Basically we paid the kids pocket money of $1.00 per age eg at 10 years old they got $10.00 per week at 16 years old $16.00 per week etc.
from this they had to pay themselves first (25%) 
Put money away to buy family and friends gifts
Money for gifting
The rest was for spending - which we encouraged the kids to save for something big instead of just wasting their money.

PLUS the kids got $25.00 each per week for clothes.
No more money was ever given and they had to buy all their own clothes including underclothes, socks, shoes, rain coats, gumboots and farm clothing. The only rules I stipulated was they must have matching socks, must be clean and tidy to go out in and they could not borrow my gumboots!

So I rolled my eyes when our son was dressed in mismatching socks to go to work this morning.. he is being a rebel! 

A rebel without a cause don't yea think?

Mismatching socks drive me nuts....

What is a mother to do?

When the kids were little - (we started this at ages 9 and 6). For part of our homeschooling each week we would enter their money into a cash book (an accounting cash book) by giving every dollar a job in each accounting column, then we balanced the cash book to their  bank account.  I guided them what to spend their money on for clothes. As they got older and more able to do the cash book themselves I moved them onto YNAB and let them choose how they wished to spend their clothing budget and pocket money.

I price shop and stockpile my grocery's and as the kids used to come to the shops with me they just learnt how to price shop and compare products - it now is automatic for them to shop well and bargain boy can our kids bargain.

Plus I loosely used  MathUSee Stewardship which has some fantastic ideas to spring board from. 

It's a great feeling knowing the kids have excellent financial skills. Looking back it was so worth the frustration of "I can't get this to balance mum!"

Giving Chapter V by Khalil Gibran

Then said a rich man, “Speak to us of Giving.”
And he answered:
You give but little when you give of your possessions.
It is when you give of yourself that you truly give.
For what are your possessions but things you keep and guard for fear you may need them tomorrow?
And tomorrow, what shall tomorrow bring to the overprudent dog burying bones in the trackless sand as he follows the pilgrims to the holy city?
And what is fear of need but need itself?
Is not dread of thirst when your well is full, the thirst that is unquenchable?

There are those who give little of the much which they have--and they give it for recognition and their hidden desire makes their gifts unwholesome.
And there are those who have little and give it all.
These are the believers in life and the bounty of life, and their coffer is never empty.
There are those who give with joy, and that joy is their reward.
And there are those who give with pain, and that pain is their baptism.
And there are those who give and know not pain in giving, nor do they seek joy, nor give with mindfulness of virtue;
They give as in yonder valley the myrtle breathes its fragrance into space.
Through the hands of such as these God speaks, and from behind their eyes He smiles upon the earth.

It is well to give when asked, but it is better to give unasked, through understanding;
And to the open-handed the search for one who shall receive is joy greater than giving.
And is there aught you would withhold?
All you have shall some day be given;
Therefore give now, that the season of giving may be yours and not your inheritors'.

You often say, "I would give, but only to the deserving."
The trees in your orchard say not so, nor the flocks in your pasture.
They give that they may live, for to withhold is to perish.
Surely he who is worthy to receive his days and his nights, is worthy of all else from you.
And he who has deserved to drink from the ocean of life deserves to fill his cup from your little stream.
And what desert greater shall there be, than that which lies in the courage and the confidence, nay the charity, of receiving?
And who are you that men should rend their bosom and unveil their pride, that you may see their worth naked and their pride unabashed?
See first that you yourself deserve to be a giver, and an instrument of giving.
For in truth it is life that gives unto life while you, who deem yourself a giver, are but a witness.

And you receivers... and you are all receivers... assume no weight of gratitude, lest you lay a yoke upon yourself and upon him who gives.
Rather rise together with the giver on his gifts as on wings;
For to be overmindful of your debt, is to doubt his generosity who has the freehearted earth for mother, and God for father.


  1. The mismatched socks made me laugh, all mothers of boys understand :) Great post! I think if I had to do it all over again I would have looked hard into home schooling. I also enjoy your Gibran poems very much.

    1. I'm very pro homeschooling it worked for our family and was a lovely lifestyle.

  2. I have to laugh, when it was my Dad;'s funeral in South Auckland, the then boyfriend. of one of our daughters came.... I happened to look across to where they were sitting, and shock horror!! Not even the same colour, from memory one was grey, one was brown!!! James, they are good hard-working boots, and only the top band is in contrast. Khalil Gibran, his book " The prophet" is one I could read over and over. Cheers, Jean.

    1. LOL see I can show James it IS important to wear matching socks - you never know when a future mother in law might be watching

  3. Replies
    1. He is and your link to photo has caused us much humour and joy

  4. Best of luck to him, odd socks & all. You have feathered the nest & taught your wee birds to fly etc now they are ready to leave the nest.

    1. lol not leaving the nest any time soon - James like his food cooked and laundry done for him

  5. I occasionally wear mismatched socks. Sometimes when one or two wear out I wear their counterparts together. Nothing too drastic. Perhaps I just like to be different.

    1. oh no I hope James doesn't read this comment - he will home in on be different - something we have tried to instil in them aka no crowd followers..