How do you raise your child financially? Experts give advice

It starts with giving pocket money and ends with the question of when to turn off the parental money tap. In the ‘Educated’ section, where Annemiek Leclaire asks readers’ questions to experts, numerous questions about financial education were answered. NRC selected eight.

1Do you tell a child how much you earn?

A reader hesitates whether to break the taboo of saying how much one earns, and her ten-year-old – curious – son can tell her what her salary is. According to the experts in one of the episodes of Raised, it is best for the mother not to mention specific amounts. She can use the moment to inform the child about differences in income, e.g.

Experts explain how to talk about your income with a child.

2Can you ask an adult child for board and lodging?

What do you pay and what not for a child who is 18 years old, studying and has a part-time job? This wonders a reader with a daughter who is studying. She receives pocket money and clothing, and her parents also pay other necessary expenses. Still, she sends tikkies for groceries and food on the go. Can the father leave a blackboard so that his daughter can better understand the value of money?

How do you teach a child what life costs? According to experts, there is more appropriate ways than asking on board.

3Is it wise to give a sum of money for a good report?

A reader gives his grandchildren money with a good report. She notices that the two who are in high school place less emphasis on subjects that count for less, such as physical education and sports. Can she stimulate the grandchildren’s motivation in these subjects by giving money for passing grades?

Money is not a sustainable motivation for good school results, say experts. Read what works.

4How do you prevent a child from wasting an inheritance?

The 15-year-old son of a reader spent his birthday money on sandwiches in the school cafeteria and other not very special expenses. The money ran out within a week. His mother is worried: in three years, the son will receive thousands of euros as an inheritance from his grandparents.

Can you ensure that a child uses an inheritance usefully? Parenting experts offer advice.

5What if your child doesn’t use anything?

With pocket money and clothing money, children and adults alike can practice handling money wisely and independently. However, one reader’s daughter saves the contribution she receives. Does the monthly benefit now exceed its target, her mother wonders.

If a child never buys new clothes, Can you set conditions for clothing allowance.

6Clothing allowance: when do you start with it and how much?

How much clothing allowance a child gets can depend on their age, the amount the parents can save and what a child has to pay for it. A mother of a 13-year-old would like to give her daughter a clothing allowance. What is reasonable?

In this section of Raised you can read guidelines to donate clothes.

7How to say no to a request for money?

An app with a payment request for a sandwich, movie ticket or clothes. A reader finds it difficult to say no to his 18-year-old daughter at such moments. She does not want to fight and is afraid that the child will distance himself. At the same time, money does not grow on the mother’s back. What can she do?

Two experts tell you how to make a budget with your child to provide insight into income and expenditure.

8Can people over 18 holiday for free?

When is it time for children to pay for the family holiday? A mother with four daughters pays and arranges everything. Meanwhile, three of the children are over 18, and the reader thinks this is enough to fully facilitate the holiday, especially now that one of the daughters is also bringing her partner.

In this episode of Raised, experts or parents discuss must pay for family holidays for adult children.

Do you have questions about raising your own or other people’s (grand)children?

In the Raised section, we anonymously present readers’ dilemmas to the best experts. We are giving away copies of the book ‘Other parents also do something’, a collection of the section’s first volume, among those registered by questions.

This section is anonymous because difficulties in upbringing can be sensitive. When you post a question, you will always receive an answer from the Traveled columnist.

Annemiek Leclaire


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