If you’re trying to help your children become more independent, more grateful, and have an increased work ethic, you must try a family economy!
Let’s talk about the Family Economy system
I was introduced to the idea of a family economy a few years ago by my friend, Ralphie, of Simply on Purpose. She got the idea from Richard and Linda Eyre, who have written many parenting books.
After hearing her talk about it a few times, and the benefits of it, I decided it was something I really wanted for our family. We’ve now been doing it for over two years and have adapted it to fit our lifestyle and family needs.
Here’s what the family economy system is all about
I’ve been getting tons of questions about it, so I’m sharing all the answers today!
WHAT IS A FAMILY ECONOMY?
It’s basically a work and pay system where the kids earn money within your home and learn how to save and be accountable.
WHAT IS THE BENEFIT OF IT?
I want my kids to grow up with a real understanding of money — how much things cost, how we have to work for things we want and need, how to set goals and save for bigger purchases, the difference between a savings and checking account, the difference between a debit card and credit card, how to invest their money, how to pay a bill, how to build their credit, and so much more.
Obviously we’re starting very small and very basic, but the plan is to have them leave the house at 18 years old with a very clear understanding of money on all levels, and to be financially independent.
WHAT DO YOUR KIDS GET PAID FOR?
Many of the items they’re paid for are their day to day things they already do. It’s helpful because adding extra things to their day can be a big commitment for both of you (them to find the time, and you to nag them to get it done).
We originally started out out with this really basic chart that you can see here.
But over time we’ve updated our chart to make it a little more specific. You can download a copy of our chart for your kids RIGHT HERE, (This is our updated one) or a completely blank copy RIGHT HERE.
Under “zones” the P stands for Playroom and the B stands for Bedroom. the S stands for Sanny’s room.
We use TypingClub.com for their typing.
HOW DO YOU KEEP TRACK OF THEIR DAILY WORK?
They each have a chart with their daily work printed on it! They are responsible for checking off each item after it’s completed each day.
We keep these sheets in the kitchen where they’re easy to see and check off throughout the day.
Just a tip: laminate your sheets and use dry erase markers so you can use them over and over again.
HOW MUCH DO YOU PAY THEM?
We do payday every two weeks, and they get paid their age. So $6 for San every two weeks, $9 for Fos every two weeks, and $11 for B every two weeks. Each year their earnings will increase $1 with their age.
At some point we might also go to payday every week, but not now.
WHAT HAPPENS WHEN THEY WANT TO BUY SOMETHING?
If they see something in a store or online that they have to have, they tell me and I pay for it with my credit card and then withdraw that amount from their digital checking account. They are not allowed to withdraw from their savings account.
HOW DO YOU KEEP TRACK OF THE MONEY?
We use Google Sheets. I have the app on my phone, and Google Drive is accessible from any computer, which makes it so easy.
Each of them has their own tab within the spreadsheet (we used to have them separate, but all together is so much easier — you’ll see tabs for multiple children at the bottom of the sheet), and they are divided up into Savings, Checking, and Donations. We donate 10% of our income to our church, and then divide the remaining money into their savings and checking; 50% into Checking, 40% into Savings. They also always have the option to put more in their savings account.
I’ve linked to a blank spreadsheet you can use for your family — just click FILE > MAKE A COPY and then save to your Google Drive so you can fill it in for your family.
WILL YOU EVER USE REAL MONEY?
Yes, absolutely. We’ll “transfer” their virtual money to a real bank account when we’re ready to give them a debit card so they can learn about different accounts and how banks pay out interest.
We haven’t decided the specific ages, but at some point after that they will get a credit card, so they can learn how each of those works and learn how to pay a bill. Learning about investing will also come sometime in high school as well.
But that’s all still pretty far away, so for now we’re doing only virtual money in their accounts, which makes it so easy to transfer and pay them. If they receive money for a birthday or Christmas, they “deposit” the money into their spreadsheet and then I keep the actual bills.
WHAT ARE THEY FINANCIALLY RESPONSIBLE FOR NOW THAT THEY’RE EARNING MONEY?
Right now, while they’re still young, they are only responsible for purchasing their “wants.” But at some point in the future they will be responsible for paying for their own clothing, gas, insurance, etc, in addition to their wants. We haven’t decided the specifics quite yet, but I think the more responsibility you give them, the better.
And before you think it’s crazy to make them pay for everything on their own, remember…it’s actually your money. You’re just re-routing it through them and teaching them to be responsible with it. And trust me, when they learn how much things cost, they instantly become so much more frugal that you as a parent can be.
HOW MUCH WORK IS INVOLVED FOR ME AS A PARENT?
Your work load will definitely depend on which jobs you decide on as part of your family economy. In the beginning, I spent about thirty minutes a day helping them with their afternoon educational things, and then we do pay day every other week on Sunday afternoons after we get home from church. Payday takes about five minutes total.
Now that they’re older and more independent, they do their educational items on their own. I just remind a few times a day to make sure everything gets done.
WHAT AGE IS BEST TO START?
Every child is different, so I’d say there’s no specific age and you should just gauge as a parent. I think B would have been ready at age three, but Fos wasn’t ready til around five.
WHAT IF MY HUSBAND IS SUPER UNINTERESTED IN PARTICIPATING IN THIS?
So was mine! And that’s ok – don’t pressure him to be involved. My husband wasn’t against it at all, he just wasn’t interested in being responsible for it. But after about a month, he started to see the benefits and he gets involved here and there and is very supportive since he sees the changes it’s making in the boys.
We’ve talked about how he will be much more involved as the boys get older and we open real bank accounts for them, give them credit and debit cards, and start investing. But for now, when it’s basically pretend money, I’m handling pretty much everything and since I knew this going in, I’m totally fine with it. It doesn’t need two parents to keep it running.
DO YOU FEEL LIKE YOU’RE CONSTANTLY NAGGING YOUR KIDS?
At first it was definitely a transition, and I felt like I was constantly reminding them. But it gets better!
I also took a cue from Simply On Purpose who, instead of nagging, just calls to her children, “Does anyone need check off something on their chart?” It’s a great way to remind them without having to nag, and it works every time for me! It always gets a positive, happy response instead of the frustrated response I get from nagging.
WHAT IF THEY FORGET TO MARK SOMETHING OFF?
Honestly, we’ve had many weeks where I know they’ve done their things, but they haven’t marked them off. I’m not crazy about the marking now that we’re a few years in. They know the expectations and get their things done without the marking. So it’s not a huge deal for me. Decide what’s best for your kids.
HOW DO THEY MAKE UP MISSED ITEMS?
If they skip a full day, they’re out that percentage of their money. But if they miss one or two items during a day but did the rest, they have the chance to make it up on pay day (Sunday).
To makeup one item, they have to perform a memorized scripture, or a piano piece in order to earn back the points. Our original chart said they needed to do a church talk or write a report, and I got that from Ralphie’s guidance. But honestly, that felt overwhelming for me and my little kids, so we’ve never, ever done that.
Instead, they recite a memorized scripture or piano piece and that counts as a makeup for one item. Easy peasy.
When they’re older, we’ll probably switch it up to something a little more challenging, but for now this works for everyone really well.
WHAT IF THEY DON’T WANT TO DO IT?
There are some days that my boys really don’t want to do it, and I tell them that’s fine, but to remember that they don’t get paid if they don’t work. We treat it as a real job and hold them accountable. Usually after a little time, they realize they do want to get paid and they do their work with only slight complaining 😉
Also my boys have LOVED watching their bank accounts go up over the last two years. They are so proud of the money they’ve earned.
HOW DO YOU GET STARTED SETTING UP THE FAMILY ECONOMY?
As soon as I learned about it, I started thinking through it and decided to just go for it. A quick creation of their spreadsheets, and then a family meeting to introduce it, and we started the next week!
I explained that this was a way they’d be able to save for their college and LDS missions, and also earn money so they could buy whatever they want.
Try to have everything in place and ready to go before introducing it, so it’s easy to launch as soon as possible.
HOW DID YOU FEEL ABOUT IT AFTER SIX MONTHS?
I love it more than when we started! The biggest change I’ve seen is their perception of money. Like I said above, they are much more frugal than I am now that they understand how much things cost. Like that a medium sized LEGO set would wipe out their six months of earnings in their checking account in one fell swoop.
I also love that when we’re out and they beg for a bag of m&m’s or an ICEE, I can say, “Yes of course you can have it! But you’re responsible for paying for it.” And suddenly that neeeeeeed becomes not quite so important.
It definitely is a change as a parent, and requires a little more of your time and effort, but personally I think it’s worth every single bit of effort. This one system impacts so many areas of their life in a positive way and is teaching them invaluable skills that will benefit them for the rest of their lives.
HOW DO YOU FEEL ABOUT IT AFTER 4 YEARS?
My strictness about it has ebbed and flowed, and during the summer we have had to adjust as needed. But overall I think it’s an incredible system that every parent should try with their children.
My children have become more responsible, more frugal, more independent, and more self reliant with this family economy system.
If I left anything off, or if you have additional questions, leave them in the comments!
This is so interesting.
I got my pocket money in coins for a long time, so I could see the money diminish when I paid for my sweets and it must have worked, because when I was 16 my parents gave me all the money for a semester and I had to manage it on my own and I am debt free to this day.
But these are different times, and my kid already knows more about the cash machine than about coins.
The only thing that bugs me: isn’t going to school kind of their “job”? I mean, we all come home after work and still have to do chores, because we all want a clean house and a nice environment and I want that to be his more intrinsic motivation, rather than only doing to for money…
Also, I would be really interested in those activities you listed in your spreadsheet. How does “coding” work at that age, for example?
Great questions! First, I shared all the educational programs that we use in this blog post: https://www.merricksart.com/2017/10/my-favorite-educational-activities-and-programs-for-kids.html. So you’ll see the coding and typing websites that we use and love.
Second, we have some things in our home that are family expectations that they do because they’re part of the family. Like put away their dishes, and set the table, clean their room, and do Saturday chores. They don’t get paid for those things, and they having that distinction is helpful to instill personal motivation that’s separate from their reward based motivation.
Ralphie, from whom I learned this system, has talked about this too and makes a great point. Our entire society and lifestyle is built off of a work/reward system. Everything that adults do is motivated by some kind of reward. So I think as long as you differentiate different roles and jobs within the home, and help them learn that not ALL work brings monetary rewards, they’ll be ok. I hope that helps!
Hi, Merrick!
Thank you for another great post! I also believe that financial literacy should be taught at home and from childhood. It is very important that children understand the value of money and how to manage it. My attorney for financial matters https://www.samcalvert.com/ says it’s very important. If you know how to manage money, you will never face bankruptcy
We started the family econmy this year and it’s been awesome so far!
Paige
http://thehappyflammily.com
It’s such an incredible system!!
Hi,
I am so wanting to start this but am still wrapping my head around how it all works and how to make it work best for our family. how do you keep their money separate from yours? now it may not be a lot of money but as they get older and are earning more and maybe spending less? do you have a separate account that you transfer their earnings into every 2 weeks? I follow ralphie too and am just stumped on how to start. my oldest just turned 5 last week and i know she’s ready for this! plus, i love how it gives them the ability to make their own choices rather than me always saying no.
I wonder the same thIng about the money…we gave it a go in the fall and because we had just opened savings accounts for Our two older kids in the summer, i found it was easier to transfer their money To their accounts each week. The bit i’m still working out is keeping track Of How much of the total is savings/spendIng/giving as more keEps going in. I think i just need to keep track Elsewhere and have running totals that get updateD every time money is deposited or withdrawn.
I think the spreadsheet I shared will help with this! You can still do deposits every week if you’d like, but keep track of it all on the spreadsheet as well.
Also I’m curious how you handle their checking/spending money? Do you do physical bills? Or a ledger? So interesting to learn how people adapt it to fit their lifestyles. Thanks for commenting!
This is a great question, and I’m getting the same question on Instagram today so we’ve been discussing. It’s something I hadn’t considered until now, but it’s a great point. I think we’ll open their real bank accounts soon and do lump sum transfers every few months, or once a year. They’re only earning $14 and $10 a month, so doing a transfer every month is not really worth it in my mind.
We’ll still keep their virtual accounts, because those are easy to transfer in and out of day to day, but then those accounts don’t rack up so high. Hope that helps!
Do you find that they are more grateful for any presents or treats that you buy for them out of your money rather than their accounts?
Totally! Especially now that they know how much things really cost. And I ALWAYS tell them how much things cost so they are aware of what I’m spending.
I follow Ralphie too and We implemented this about three months aGo, I’m Really loving it! One of the things im running into is i have One child who Always wants to buy candy… do you aLways let them buy whatever and whenever Or do you say no? I usually try and redirect my sons attention elsewhere But im not sure if Itll woRk the way i want if im always saying no when its his money… i dont want to defeat the purpose! Thanks!
That’s a great question. My five year old is always interested in buying candy too, and I’ve let him several times. But then we have so much candy in the house and I hate it because it makes them crazy. So we’ve implemented a “treats on Sunday” rule where I make something special and yummy after family Sunday dinner each week. It’s been helpful to have a different rule about treats to help guide his spending. So instead of saying no, I’d say, “remember our Sunday family treat? If you have candy now, we won’t be able to have a treat on Sunday. If you choose not to buy this candy, you can have a Sunday treat AND save your money!” That hasn’t worked for us EVERY time, and he still insists on buying the candy, but then if I hold fast to the no treat on Sunday, he learns that his frivolous spending was a direct correlation and affected the whole family, and that’s helped him learn a lesson. Of course, every kid is different, but maybe that will help? Good luck!
Merrick, this is such a great idea. My boys are teenagers now and we have our own system of chores, paying for things, etc. But this is nice to start with younger kids. But i am most fascinated by the fact that your kids go to a no homework policy school. I know they are young. My boys spend so much time doing homework, studying for tests, etc. They would have loved this–LOL! But I am curious what the parents think of this. and what the school’s rationale is. Will this policy be implemented all through the school years or just elementary school? I have never heard of this before and am really interested.
I hadn’t heard of it either until we moved to this area and started attending the school. It’s a STEAM magnet school, so they do a lot of project based learning, and instead of homework they encourage children to read 30 minutes per day. As they go to middle school, homework is implemented, but I think in elementary school it’s really nice to not have it because it becomes such a burden and most of it is busy work that becomes more work for the parents than for the kids (which is definitely what we experienced at our previous school).
Thanks for your comment!
This is a great idea! Thanks for so much details!
You’re very welcome!
We are 2 weeks in to our family Economy and it is great! We use a cash system because I thought it was important to get them familiar with that before we start checking/savings accounts with a bank. The first purchase my 5 year old made was for a box of cars 3 Mac&cheese, and he proclaimed it the best Mac&cheese ever! I used the chore chart you posted a while ago as a template, so thank you for sharing all this with us.
Thank you for sharing all thIs info! I have been looking into starting this with my Boys. If they earn their age each week, How much money is desucted for those days when they choose not to do the work?
Thanks for sharing your worksheets! Our family was doing this but we got side tracked. We had an app and sometimes there were problems. I think a printed worksheet would be easier for me. #oldschool
We also charge our kids money for screen time. They are able to earn screen time and it helps them limit their time. Pinning!
Oh, that’s an interesting idea to charge them for screen time – very clever!
I Started to do this and then dropped the ball but this motiVates me to start again. What are their saturday chores and can you tell me about their zoNes? And if they decide they don’t want to dO thEir work one day, do you not Pay them for the Entire week? Or dO you deduct that day’s worth of pay…?
This is such a great sysTem, we love it AROUND here! Another thing it ADDRESSes is entitlement and helps to get rid of that mentality. “The Entitlement trap” by Richard and Linda Eyre helps with the why and some of the ins and outs. It really helped me wrap my head around it all. Your post explains it really well and it’s fun to see how it works for your family.
We have a similar system (our kids are older, five kids, ages 8-18). We switched to famzoo debit cards once each kid turned 12. You can use famzoo to move money to the debit card but into categories such as savings, charity, etc. And then they can only spend what is in the spending portion of famzoo. It’s clever and works well. One thing we did differently was to pay the kids by the minute for jobs. We figured out quickly that it does not take a child 25 minutes to clean a bathroom so we put a cap on how much time each task should take. It worked well b/c they knew they could figure out how many chores they would have to do to make up an hour’s worth of pay. It’s not a perfect system but It worked well. (It is tricky now that that our teens are older and have jobs and their own bank accounts b/c now they are not so interested in earning money at homE so it feels like we are forever tweaking the chore system.)
I love this! I teach 5th grade aNd we do a lot of personal finance in my clsss, but thats not the norm. Every yesr my students make a budget and i tie it into math standards. If you google “scholaStic t.rowe price” you cAn find a ton of free worksheets and financial literacy uNits they Partnered to make. Their new high school ones even cover investing. My kids are 18 months, so i have a while, but im excited to teach them these skills!
IM NOT SURE WHY MY REPLY DID ALL THOSE WEIRD CAPITAL LETTERS AND DELETED MY APOSTROPHES. SO WEIRD!
I love that you have them break it up into spend/save/give. My parents did that with me when i got my first (very part time) job in middle school, but starting earlier is even better!
xx – Naomi
http://huntingforpinkflamingos.com/
I have to say, I’m feeling a little uncertain about this. It seems hard to choose what tasks are part of this list, and what tasks should be “default behavior”. When I was a kid, I tried to propose a similar list to my parents – “hey mom, PAY ME FOR BRUSHING MY TEETH!” BUT MY MOM SHOT IT DOWN IMMEDIATELY. I GUESS IT MIGHT BE A CULTURAL THING, BUT IT WOULDN’T FLY IN THE HOUSEHOLD I GREW UP IN. THANKS FOR A THOUGHT-PROVOKING POST, THOUGH!
Sorry for the weird caps. Not sure what is going on.
Yes, you definitely have to do what works best for your family, and every family looks different!
I’ve been doing a family economy in my house for the past year and i initially had the same concerns. i don’t want to pay them for things i just expect them to do. my husband had a great idea: instead of saying, we’re paying you for these things, we say, “these are the responsibilities you need to do to qualify for financial lessons (i.e. get money and learn how to use/save/spend it). it feels better to us!
I had the exact same questions as Dana! What are their saturday chores and what chores do they not get paid for? Also, what all do they have to do for their zones and what classifies as a zone? i have two girls ages 5 and 3 and would love some good Ideas of age appropriate house chores! Also, what happens when they decide they dont want to do their paid chores or un paid chores? I also follow Ralphi but would love Some good ideas on motivating My little people! Thanks!
Ha…seems Like A FEW OF US HAVE THE SAME question, what do you do when they miss a chore or Choose not to do it!?
Thanks
I’ve seen the family economy idea a little bit and find it interesting. In our house we pay half their age every week as allowance, but with no ties to chores. They do the work I ask them to do because I ask them to do it, the end. Each of our kids has a notebook where I write down how much they earned, and how much is moved to their “mission fund” and how much is moved to tithing, keeping a running total of what they have in savings. In the back of the notebook I track how much has been added to the mission fund. I add the two totals together at the end of every month and transfer the appropriate amount from my bank account to the kid’s savings account and then pay their tithing for them. It has allowed my kids to save several hundred dollars each over the last couple of years, but the biggest thing is we have a rule about not giving in to impulse purchases. Their dad and I stop and think before buying things, so we make them do the same. For every $10 it costs they have to wait 24 hours before they can pull the trigger, to prevent them from getting in the habit of spending $$$ on candy, useless trinkets, and other things that are of little value.
starting this next week. if they miss one day do they not get paid for that week? trying to figure out the details.
What do you do if they dont do their Checks? They dint get all of their money or just a portion?
We did something similar when our kids were little, but our chore system was not tied into the allowance. Chores we’re a requirement of being a member of the family. Allowance was simply their money management SKILL building. We would calculate their money needs at the beginning of each school year, to include scouting dues, soccer shoes, lunch money to buy at school twice a week, etc. We built in their fun money, and their savings, and divided the large Total into a monthly pay day. So each month they would receive their allowance, and we’d go to the bank to deposit 20% in savings. The rest went into checking and cash. Then when they wanted or needed something, they paid for it themselves. Our daughter was frugal. She always took lunch rather than buying. She saved more than 20%. When she turned 16, she bought her own car. Our son spent more of HIS money on gadgets and toys, and had to use the family car. Although he did save enough for his insurance. Both kids are good money managers AND savers, today. It was an excellent education.
[…] do a family economy in our home (you can read about it HERE), and during the summer, we continue to keep it as our daily routine, although it looks a little […]
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[…] our new Family Economy charts for the year (they’re different during the […]
I love this system and have been looking for somEthiNg to start in our family. We have a 5,3,and baby so just starTing out. My question is if they miss one job in the two weeks do they still get paid? Is it an all or nothing at the end of two weeks?
You’ll see the breakdown on our spreadsheet if you follow the link! They can miss three and still earn the full amount, but there are ways to earn it back!
Beautiful! Do the high ceilings and exposed beams continue on into an adjoining room?
I’m curious to know more about the church talk and family report for earning the full amount. (I’m not LDS, so maybe this is why I don’t know what they are.) I did a quick search of the comments but didn’t notice any specifics. Thanks!
[…] There are so. many. systems. out there for chores! I did lots of perusing Pinterest for ideas – magnet boards, sticker charts, popsicle stick jars, you name it. But ultimately, we decided on the Family Economy System. I first heard about the Family Economy through Ralphie of Simply on Purpose and became convinced after seeing Merrick over at Merricks Art using the system with her family. […]
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Thanks! I just downlOaded the spreadsheet. Saves me a lot of time BECAUSE i dont haVe to make one now haha. Ive been wanting to implement a family economy plan like the eyre’s/ralPhie for years. Love that this works for you.
Hi Merrick, i love this idea but what i just don’t understand is how Do you get the children to do chores that are not on the economy or differentiate between the two. In our house morning things like brushing teeth and getting Dressed are non-negotiable-i need them to do thoae types of things. So What is the motivation for doing the chores not on the economy? Wont you still have whining and nagging in that area?
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I get stuck with the Savings portion. When they get money as a gift I feel like that should all go into their checking as it wasn’t earned it was gifted the the intention was to have fun with that money, do you do the same? Also, my girls are 6 and 8, so saving for insurance, college, ect. is so far away, have you ever CONSIDERED their savings be used sooner, for something big they need now so it means more? For example, back to school shopping they need a new backpack? I have the book, the entitlement Trap that ralphie recommends when fully IMPLEMENTING this but it is pretty dated. Any real world applications from you are appreciated. And thank you so much for the Google drive spreadsheet, i copy and paste it every year!
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