Our family budget
'They need to learn that actions have consequences.'
Being a single mom, the general budget is managed by me, myself and I. Luke has been taught from day 1, we buy what we need for the house – food etc first, bills must be paid, his school fees, rent etc. then if mommy has money left he can have a treat.

He gets R20 a month loaded onto a pick and pay card which he then uses to buy something from them, currently he has accumulated R52 on it, he told me he is saving to buy his sister a present.

Fiki is also being taught that you do not always get what you want, temper tantrums results in no treat for the month.

Luke now starts his sentences when he wants something with, “MOMMY IF YOU HAVE ENOUGH MONEY AFTER EVERYTHING IS PAID CAN I PLEASE HAVE...”

Luke wanted to keep a kitten my feral had, so the arrangement is from his pocket money he has to buy the kitten a tin of food a month, which every month he does once I have loaded his pocket money on it.

Grandma also knows the rules and she also tells him she does not have enough “pennies”.

When he is allowed a treat he knows it can not be more than R19.99, an easy number for a 6 year old to look at.

Big spending (under R150) is for birthdays and anything over that is Too expensive.

He had a clever idea though, he asked if mommy, grandma and aunty Barbara could maybe all put money together and buy him one big present he wanted for Christmas, it came to R300, and he had worked out it was R100 each.

He also gives R1 a month to a charity, usually the CANSA donation tin. This is his own choice.

Children need to know that there is not always money for treats and sweets and takeaways.

The last time he wanted us to go out to Spur, I told him nicely, if I took him out, Fiki and grandma had to come with, which meant the money for his school fees would be spent, which in turn meant the rent money would have to go to his school which then meant we would have to live in the car. He did not like that idea as where would the cats and dogs sleep.

They need to learn that actions have consequences.


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