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    Lessons from a kid: How to be a tightwad

    My son is a tightwad.


    He comes by this honestly. Hubby is a tightwad-only he prefers the term "thrifty." But he's a tightwad, just like his son. Hubby hasn't willingly parted with a dollar since 1984, when he bought my engagement ring. And there's some argument about whether that purchase was willing.


    Now my personal belief is that a penny saved is a penny better spent on shoes. I have never met a dollar I couldn't spend on something. Clearly, my son didn't get this tightwad thing from me. But even though I think saving is a waste of perfectly good spending money, I still managed to be quite proud of Junior and his thriftiness. When Junior was 6 (he's now 14) I even managed to take advantage of it.


    I hate to go to the bank. So sometimes, I would just borrow a stack of dollar bills from Junior's stash and leave him an IOU. Pretty soon, Junior had more IOU's than actual cash and Hubby said I had to make good on my debts. Imagine my surprise when I discovered I owed my son $82.00.


    Yikes. How on earth had a six-year old managed to save that much money? He only made two dollars a week. Apparently, Junior had saved every dollar he'd ever earned. At first, we were very happy for him. Then we realized how Junior had managed to save so much.


    He didn't have to pay for anything.


    It's easy to be thrifty when you can just take your allowance and stuff it in a gold Hot Wheels case every week. When you don't have to pay the mortgage, PG&E and mommy's shoe debt, you can be a pretty thrifty guy.


    You see, if we were at Wal-Mart and Junior asked nicely for a package of Harry Potter trading cards, chances were that unless Junior threw a major screaming fit in the craft section, he would get those cards. And it didn't matter to him that it cost approximately one and half weeks of allowance, because he wasn't paying for it.


    So we decided it was time Junior found out how much things cost.


    The next time we were at Wal Mart and Junior wanted Harry Potter trading cards, I told him he had to buy it with his own money. That stopped Junior cold. He looked at me as if I had suddenly morphed from Nice Mommy into "Evil Mommy Who Makes Kids Use their Precious and Hard Earned Allowances to Pay for Things Nice Mommy Would Just Buy with No Questions Asked. "


    Which is, of course, exactly what had happened.


    After the pleading and begging was over, Junior decided not to buy the cards. I was very proud of the lesson my son had learned until I heard him on the phone with his grandmother. Apparently, Junior had found another source of Harry Potter trading cards. Sure enough, in the mail two days later was a card from grandma with-you guessed it-TWO packages of Harry Potter trading cards.


    At that point, I had a couple of options. One was to call grandma and tell her not to do that again. But I knew my mother would just laugh and tell me that it was a grandma's job to indulge her grandchildren. The second option was to wait grandma out. Sooner or later, my mother would get tired of being Junior's main source of trading cards. It took about two weeks. Suddenly, Junior wasn't getting what he wanted from grandma. But, hey, my kid's no dummy.


    He started asking to call his other grandma.


    Frankly, I figured lesson time was over. I lost hope for Junior being anything but a moocher. He would go through life with a Hot Wheels carrying case bulging with money, while he bilked women out of their life savings so he could build the world's largest collection of Harry Potter trading cards.


    So I was pleased last week when a now 14-year old Junior came to me with a wallet full of money. He had savings and he wanted to add it to his bank account. And imagine my surprise when my son took the money out of his wallet and it was mostly dollar bills. You know, just like the dollar bills I was giving him to buy water at school.


    And now imagine my son's surprise when he went to school the next day with a reusable water bottle and no dollar bills. Hey, he needs to learn a lesson. And mommy needs a new pair of shoes.

    -------------------------------------

    About Manic Motherhood: Laurie Sontag is the author of the popular humor blog, Manic Motherhood and has been a humor columnist for California newspapers since 2001. Her work has appeared in numerous magazines, e-zines, newspapers and books, including several editions of the bestselling Chicken Soup for the Soul series. If you can't find her in any of those places, check under the sofa. She's not there, but she likes it when somebody else tries to find the lost socks and freak out the dust bunnies.

     

    20 comments

    • ☆ chellie ☆  •  1 year 7 months ago
      You gave a six year old allowance? O__O
      Wow. Why does a six year old need an allowance?
      I didn't start receiving money until I started middle school, and that was only to pay for lunch.
      If I wanted something, my parents always said, "Do you pay the bills?"
      so I would have to starve for a couple weeks to buy it. =.=

      Maybe it's a difference of cultures.
    • Katherine D-J  •  2 years 2 months ago
      "When you don’t have to pay the mortgage, PG&E and mommy’s shoe debt, you can be a pretty thrifty guy." When one of my brothers-in-law was bragging out how much he had in savings and how all of us were broke, that's pretty much the argument we threw back at him. Sure enough, that trash talking ended pretty quick once he moved in with his girlfriend and her kids.
    • Manic Motherhood  •  2 years 2 months ago
      Melissa and B, these are humorous articles meant to entertain. I don't know where or how you two decided that I have a spending problem. You don't know me. You don't have any clue what my lifestyle is, my income level or even how many shoes I buy.

      Although I do thank you. My son is a good kid and believe me, I know it.
    • Manic Motherhood  •  2 years 2 months ago
      Thanks for the comments! I especially love seeing the stories shared in the comments. Kids are so funny--and so were we back then ;)
    • Manic Motherhood  •  2 years 2 months ago
      Oh Mira, at least he's eating them, so he has an, er, exit plan. Wait till he tries to stuff them up his nose. That's a fun trip to the doctor's office ;)
    • SLM  •  2 years 2 months ago
      In our house we joke about the difference between "frugal" and "cheap" all the time. When my daughter decided not to spend her money on garbage and save for a Wii ... we said that was frugal.

      When she asked if her sister's tonsillectomy would be worth the money we had to pay for it ... that was cheap.

      Frugal is good. Cheap isn't. Just make sure to teach your children the difference.
    • KD  •  2 years 2 months ago
      This article made me laugh because I have one child, my youngest, who is also very thrifty, but can get anything out of Grandma. My oldest spends every dime we give him, the next one is content to save for something special, the third one is in-between, but that little one, she can manipulate a situation to get what she wants.
      My solution (Grandma works for Toys R Us)? I put limits on Grandma as well. She can give the kids allowance and buy "family" things (like DVDs), but not individual items unless they are clothes, shoes, or school supplies except on holidays and birthdays. This only works because my mom and I are best friends and spend a lot of time together. She understands that I am attempting to make the kids see the value of a dollar and I understand that spoiling the Grandkids is part of her job. Now if only I could work on the other Grandma, we would be in business.
    • JPS  •  2 years 2 months ago
      Manic Motherhood--Great response to the 2 women who are probably just miserable in their own lives....I also LOVED your anecdotes!! My children (mostly my son, 8) are used to me saying, "I dont have money for that" My son, who now earns "chore" $ @ the residential school where he lives during the week, says he's gonna save all of his money & buy me a great Mother's Day gift, or a new car!! (mine was destroyed in an accident last year) He has even bought gift for his 3 year old sister!! It always amazes me how the little ones process info & regurgitate it back!! Kudos to your boy for being such an ingenious problem solver!!
    • k8blujay  •  2 years 2 months ago
      This story had me cracking up...
    • Melissa  •  2 years 2 months ago
      Uh, so what is the lesson here? Sounds like she's got a pretty good kid and a spending problem of her own.
    • Manic Motherhood  •  2 years 2 months ago
      JPS, your son sounds like a real sweetie. It is amazing how much kids learn from everyone around them. Your son sounds like a generous and loving boy.
    • Barbara  •  2 years 2 months ago
      ya, that is how my kids are. Spend my bank down to the last dime or penny, While they hord what they have for themselves. I was running on fumes for gas, and still bought my little something to eat . when we got home, she went out and showed me she had money to buy her own. I needless to say taxed her on it.
    • Manic Motherhood  •  2 years 2 months ago
      Hey thanks for the comments. Yes, I wish I could control my mother. Sadly, she believes that living in another state entitles her to spoil all the grandkids since she doesn't get to see them as often as she'd like ;)

      Having lived with my husband for a number of years now, I am slowly understanding that frugal is good (and rest assured I never spend more than I can afford on my dream shoes). So I think Junior will be fine. It just cracks me up that the child usually has more cash on him than I do!
    • B  •  2 years 2 months ago
      Melissa, I agree with you. Her son is a good kid and she is just another mother who has to find something to complain about, even if it is just the fact she has a good kid. Plus she has a money spending problem of her own. At least she knows where to draw the line as she states she does not blow all the money on shoes (plenty of those out there too).
    • doe eyes  •  2 years 2 months ago
      Being a tightwad may well be a good thing as he gets older. I have to laugh at his ingenuity though. Sounds like something my son would have tried.
    • Brenda  •  2 years 2 months ago
      Manic Motherhood, I can always count on a laugh when I click on your posts!!! Thank you for never disappointing.

      I have taught my son that it would be very nice if he did things for Granny and Pap and not expect any pay. A couple of days ago, I picked up Mother a pair of shoes, I thought that she would like. She told my son, give this money to your Mother, he said, Oh my mommy would not accept your money. lol. My Mother and I got such a laugh.....
    • Melissa  •  2 years 2 months ago
      Well, I guess you should throw an LOL in there next time or something. The humor was lost on me. It just sounded like complaining.
    • Goddess Melanisia  •  2 years 2 months ago
      I used to pack my lunch, not tell my dad, and then keep the money he gave me to buy lunch at school. He eventually got wise (after six months) and talked to the school, so they let me charge lunches and he would pay the money directly to the school secretary each week.
    • doc  •  2 years 2 months ago
      I wish I had been as ingenious as your son! I was horrible with money growing up. My grandparents and aunts and uncles would offer me money and I'd say "No thank you"....Now at 23 when I see my grandparents I'm secretly thinking "Offer me money!!!!"

      I also used to forget to get change if buying something. I quickly learned never to do this again when I was allowed to go to the snack bar at the pool with a $20 and order mozerella sticks, fries, and to get a jolly rancher to bring back to our spot. When I came back with no change, and what I had ordered only cost about $7.00...I got an embarassing lesson when I was walked back to the snack bar and had to ask for my change.

      Now I'm totally cheap...well frugal since I do like to spend every once in a while. But your kid is a genius!
    • Mira Jacob, Shine staff  •  2 years 2 months ago
      Oh please, Melissa and B! A crack about shoes makes a spending problem? C'mon ladies, lighten up. Laughter is free!

      Manic Motherhood, I love that your son is a tightwad. Mine just tries to eat pennies so far, but I see an emerging pattern....

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