A Chore System, and Money Management for Kids (2024)

I hear from a lot of families who struggle to find a simple AND effective system for getting their kids to do choresconsistently. We would all love to find a system that does not involve constant nagging, or inconsistencies. (Or just giving up and doing it all ourselves because sometimes that’s just easier, right?)

Well, I spent years trying…and failing…to find a system that would work for my boys. And since by nature I’m not the most organized person, I was beginning to blame myself and nearly just gave up.

And then I tried something new. And it worked. Like magic.

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Seriously — we are on our fifth yearof using one simple system,and my boys are completely independent. Like auto-pilot. It is possible, parents. It really is!

Following is a slightly edited post from a few years ago here on the blog. Since there are so many new readershere, and I get asked this question a lot, I thought it was time to share again.

(Note: I had a YouTube video in this post originally but at some point it got deleted — oops! so I hope the written version is clear enough!)

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OUR CHORE SYSTEM: Our chore system is not at all fancy, or complicated. In fact, it is the most simple system I have tried. But it works for us, and that says a lot.

A little closer-up look at our chore chart. Sorry about the sloppy writing. It’s onlybecause…I have sloppy writing.
(You’ll still get the idea, I think.)

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An example of one of the weekly rotating chores:

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A couple notes:

1. Before I assigned any of these chores, I have made sure to walk each boy through each of their chores. This takes some time early on. You don’t want to give them the chore of “mopping floors,” until they know exactly how you like your floors mopped. Training at the beginning is key to successful chores later.

2. Our actual chore chart has (a lot) more on each card than the ones I show here. For example on list C above, I have scribbled in “use stainless steel cleaner to wipe down microwave, dishwasher, and fridge” under weekly, because I realized that would be part of a weekly kitchen cleaning.

I reserve the right to change lists at any time–so kids need to keep checking their list! 🙂

3. A couple common questions:

A. What do we do if someone neglects their chores? Well, that’s a tough one. First of all, there is plenty of peer pressure from the whole family to get chores done, (“we’re all in this together!”) so that rarely happens. However, if it seems someone is slacking in their chores we will either A. Dock their pay, B. add extra chores to their list, or C. Take away a privilege (free time activity, etc.) It totally depends on the circ*mstances, so the answer to this question varies.
B. How would you apply this to less or more children? More children is easy–just add more cards AND MORE WORK! 🙂 (the beauty of big families, haha.) If you have two kids, I think you can follow my example, and simply divide your most needed chores in half, alternating weekly. With just ONE child, I still think having a rotating system is helpful. If their weekly chores vary a little bit, it keeps things interesting, and there might be a little more motivation than doing ALL of the same chores every week.
C. How much money do we pay, and how do the kids manage it? As I said in the video, WE choose to give our boys a dollar per grade level that they are in. (9th grade= $9, 4th grade = $4, etc.) I don’t remember when that started, but it seems to work for us. As they need more money for things, they can always do extra chores (especially bigger jobs outside for Dad,) and earn more money.

Side note: I know some families don’t believe in paying their kids for chores because they want the kids to do work simply because they are part of the family, and that is totally fine, too. The reason I DO pay my boys is so that they then can learn how to manage small amounts of money well, and begin to use some of their own money for things that we normally buy for them. There are plenty of lessons to be learned in all of these things, so it gives us something tangible to work with!

As for how to manage the money: We have our boys divide their weekly pay into three envelopes: One for giving, one for saving, and one for spending. See below:

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You can get nit-picky here, but our boys usually just round it out…Josiah (9th grade, $9,) might put $1 in GIVING, and both SAVE and SPEND $4. Pretty simple!

As for the “giving” envelope, our boys give approximately 10% of their allowance to either the church (like a tithe,) or to a specific ministry/fundraiser that they have a heart for: They might give toa specific mission, a group that saves children out of trafficking, or whatever might be on their heart.

I hope this gives you a little inspiration for how you might do chores in your home!

I’d love to hear about it if you have a great system as well. Or, if you grew up with a great system, etc…I’m also interested in how you help your own kid manage their money. (How much do you pay them, IF you pay?) Also, feel free to ask questions, or leave a comment!

And as always, if you found this helpful in any way, please don’t forget to share, and PIN. 😉

MUCH aloha!

Monica

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A Chore System, and Money Management for Kids (2024)

FAQs

How much money should a kid get for chores? ›

A commonly used rule of thumb for paying an allowance is to pay children $1 to $2 per week for each year of their age. Following this rule, a 10-year-old would receive $10 to $20 per week, while a 16-year-old would get $16 to $32 per week.

Why should kids get paid for chores? ›

When children are rewarded for completing chores, they learn the value of hard work and the satisfaction that comes with accomplishing tasks. It also teaches them about the connection between effort and reward, a lesson that can be valuable as they grow older and face more significant responsibilities.

How much is chores and allowance bot? ›

While many were good, I only found one app that met all my criteria and was easy for everyone to use: Allowance & Chores Bot, which sells for $3, but has a free lite version so you can try before you buy.

How much allowance should a 13 year old get? ›

8 years old: $8 to $16 weekly. 10 years old: $10 to $20 weekly. 13 years old: $13 to $26 weekly. 15 years old: $15 to $30 weekly.

Should children do chores, pros and cons? ›

Children who do chores may exhibit higher self-esteem, be more responsible, and be better equipped to deal with frustration, adversity, and delayed gratification. These skills can lead to greater success in school, work, and relationships. Attitudes toward chores vary considerably.

Should children do chores to earn pocket money? ›

One way to allow your child to experience working for their own pocket money is through completing chores at home. By earning their own pocket money, your child will be better able to grasp the value of money and understand that it doesn't come easy.

Should kids get paid for good grades? ›

It can foster a good work ethic.

In the “real world,” employees who work the hardest and do the best at their jobs are rewarded with raises and bonuses. Having a paying system for schoolwork that better mirrors eventual employment can help foster the sort of work ethic which will help them thrive later in life.

How to make chore money? ›

If you want to get paid to do chores, the best people to talk to are your parents. Sit them down when they're not busy, and explain what chores you plan on doing, and whether or not they'll pay you to do them. If they say no, ask what you could do that they would pay you for.

Do chores for money app? ›

Homey allows parents to assign repeating chores, and then actually pay them. Easy way to assign and track chores and payments to kids. Very slick app. Homey, an app that's effectively a digital chore chart, allows parents to issue payouts upon visual confirmation of finished chores.

What is the chore pay system? ›

A 'chore pay scale' is a systematic way of determining how much allowance kids receive in exchange for completing household tasks. It acts as a financial learning platform for children, introducing them to concepts like earning, saving, and budgeting while teaching them responsibility.

Do chores teach kids responsibility? ›

Chores teach responsibility – Giving kids an age-appropriate job gives them something that they alone are responsible for. Whether it's taking the trash out or putting their toys away, they learn that their contributions are an important factor in keeping the house running smoothly.

What is a good punishment for not doing chores? ›

You should choose consequences directly related to the unacceptable behavior. For example, if your child skips a chore have her do an extra chore; don't take away TV. If she leaves a mess, have her clean two rooms; don't ground her for a week.

When kids don't do chores? ›

If a kid knows what chores are expected of them but doesn't do them, you can tell them you're taking away their allowance or screen time. This way, kids start to understand that their choices have consequences. Then you can encourage them: “Next week is another chance to do your chores and earn your allowance.

How much chores should a 12 year old have? ›

Kids in elementary school should be expected to do 10 to 20 minutes of helping around the house each day. You can expect a little more on the weekends and in the summer. Teenagers can do 20 to 30 minutes a day, with bigger chores, such as lawn-mowing, on the weekends.

Should kids get pocket money for doing chores? ›

One way to allow your child to experience working for their own pocket money is through completing chores at home. By earning their own pocket money, your child will be better able to grasp the value of money and understand that it doesn't come easy.

How much money is enough for a kid? ›

Housing, food and childcare make up the largest percentage of children's expenses. As children grow, you can expect to pay for things including hobbies, sports teams. When adjusting USDA estimates for inflation, parents can expect to pay between $16,227 and $18,262 a year raising a child born in 2023.

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