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The Economics of Working: Homeschoolers who work

by Beth Waltman

As your children approach the teen years, their energy level, social needs, and consumer daydreams may begin to stretch the family seams. At this juncture, teens clamor to engage in sports or enroll in public or private school. One option for channeling all that excess energy and showing your child a glimpse of adult responsibility is guiding your child to get a job. This can benefit the whole family without unraveling the fabric of cherished goals. However, care must be taken not to allow the wrong job to steal homeschooling accomplishments! As my own 16-year-old seeks permanent employment after a series of positive babysitting jobs, we evaluate each opportunity on these terms:

  1. How will the schedule affect her education? Can she still study enough to do college-level work?

  2. How will the job affect her spiritual development? Is she ready for exposure to the secular world?

  3. Does she have her consumer appetite under control? Mall jobs especially cause teens to spend paychecks before they get out the door!

  4. Is my child responsible enough to handle a checkbook and savings account?

The motivated teen should begin to learn that all funds come from somewhere in the family budget. As youth are drawn into our consumer-oriented society, they may desire more things, both necessary and frivolous. Since the homeschooling family often sacrifices one income to have a teacher at home, teens should contribute to their own needs and wants.

A realistic view of how income is spent can be taught at this point. The maturing youth should understand that for adults, such necessities as food and lodging come before outings to the amusement park. Once a child's perception of wanting to go and do outstrips the family pocketbook, it's time to consider letting him obtain gainful employment. Parents who gift their children with time should feel no guilt for expecting their children to work. Work itself is a gift.

Even if we could afford every whim, how much would we hand to our child? Surely much harm is perpetuated when a child "must have" the latest electronic game or secular CD, or must go see the latest movie. Our society preys on the craving for all things new, whatever fad everyone else is embracing. Even when your child pays for something, it's appropriate to evaluate with him whether an item is pleasing to God. Teaching a child to save up for an item, to delay that gratification until she can afford it, is preparing for thoughtful spending in adulthood.

One way to accomplish this is to record all possible purchases in a notebook. Any item over $50 should be considered for several weeks. I do this with my own desires. You never know when you might

find the item in top shape and discount price at a yard sale. Or after consideration, your child may feel that the money would be better spent elsewhere.

Evaluation afterwards of whether the expenditure was really worthwhile will enhance the learning experience. When that new bike is one month old, does he still ride it? When those new sandals are six months old, are they stylish?

Wage-earning also offers the chance to teach a child money-management. This could coincide with a formal course on economics. Balancing a budget can be incorporated into the school day along with keeping a checking account, even using computer programs to track cash flow. I firmly believe that children must learn to tithe first, then save and spend. Tithing, or giving a portion back to God, helps a child acknowledge work is not drudgery, but a blessing from heavenly providence.

For the high-school age child, decisions about whether a teen begins driving is often an economic one. College costs loom on the horizon. Camps and sports also beckon for part of the pot. Family goal-setting must include a older child's input. After all, whether he attends college will drastically affect his future. The foundation can be laid for financial security and Christian stewardship. Happy marriages are made of restraint in financial commitments.

Perhaps cars and college are not yet an issue. Even younger teens feel pressure to wear certain clothes, play electronic games, or try out for sports. Thus, jobs can help our kids tame their consumerism into a normal, manageable budget. Young teens can babysit, wash cars, walk dogs, and mow grass for neighbors. When word gets out that your kids do these things well, they'll be in demand.

For years, we have allowed our children to purchase fancy athletic shoes if they willingly pay at least half! My daughter has learned when the malls have their juiciest sales. In the past, she would crave the newest sandal at the beginning of the season. I refused to shop that way, since all my shoes came from the discount stores. Since she now purchases her own wardrobe, she collects the best coupons and hits the end-of-season sale. She recently bought a popular name-brand sandal for 20 per cent of the original price. Children pinch that penny more tightly when they earned it themselves. Once they have purchased an item, they take far better care of it. Krystal's shoes are stacked neatly on a special shelf in her closet with no urging from Mom or Dad.

The whole income should never be spent. It's important for kids to save back a set percentage for the future. Americans are too accustomed to spending every bit of available income, then borrowing more via credit. Teens can learn to live on their wages, save for a rainy day, and thus prevent many future financial disasters. Of course, this lesson is authenticated by parents who are good stewards.

Kids can also learn to limit hobbies and sports to affordable items. Our son, Sam, has a rather expensive exotic pet that often requires veterinarian expertise and must be boarded at a pet store when we leave town. One stipulation for getting this animal was that he agreed to pay all of the dragon's expenses out of his lawn-mowing money. This creates incentive to keep Draco in top health. $75 for an office visit seems like a premium price when he worked all week to earn that amount.

Sam also shows neighborhood kids how to properly maintain their pets' health. He boards their exotic pets when they go on vacation, giving proper care to diet and lighting. He also lectures friends about the responsibility of owning a living thing and caring for it appropriately. He has learned a great deal about stewardship of God's natural world. That sense is enhanced because he funds all the tadpoles, crickets, frogs, and lizards he brings into the house.

Perhaps your child's needs and goals aren't material. He may need to learn to serve others, narrow his potential vocational goals, or simply enhance his work ethic. These goals may not be met by working in a mall or fast-food stand. Retail employment requires working during holiday and weekend hours, interfering with family holidays and worship. The family priorities should not be discarded simply because a new external pressure is applied. Consider volunteer opportunities.

Volunteer positions are available everywhere in the church office, the YMCA, local library, mother's day out, Vacation Bible School, and at nursing homes. Children can learn from a young age that "he who is faithful in small things will be entrusted with great things." Volunteerism improves the community and presents a Christian witness. My kids learned early that we don't put a price tag on every good deed. They have mowed the church lawn, folded bulletins, served in the church nursery. This viewpoint expanded to include helping with neighborhood cleanups, pitching in when friends became sick, and baby-sitting in emergency situations. Also, volunteer positions often lead to salaried opportunities. God blesses a giving heart.

My 15-year-old had a unique opportunity to work in a busy public school office answering the phone, filing, and typing. This resulted in some letters of recommendation that landed her in college courses early. There are many rewards for those who take pride in a job well-done, whether volunteer or paid. Sometimes, volunteer positions expose teens to exceptional role models.

An overworked youth or music minister may need a willing volunteer to make posters, phone calls, or even design a ministry web site. Your child benefits by increased exposure to a committed person enthused about reaching the world for Christ. Of course, attaching your child to a mentor requires parental prayer and discernment.

Another dividend of either volunteer or gainful employment is aiding in choosing a life vocation. Our college-age daughter worked one summer at a private school as an aide to determine whether she would change her major from business to elementary education. She loved the children! This summer she is further refining her calling as she works in a Bible camp with teens and elementary kids.

Once a home-schooled teen enters the work-world, his character will begin to shine. It's amazing how all that Christians instill in their children results in a "wanted" employee. Honest, hard-working young people stand out from their peers. When I worked at a department store, every young person was scrutinized carefully because stealing and laziness were the norm. My kids have been offered all types of house-sitting, lawn-mowing, and child or pet care jobs because neighbors find them to be honest and responsible. Showing up on time and putting in a hard day's work can be a rarity, even among adults. Teach your child to give a fair effort, and you'll teach her to be employable.

Your own attitude toward work will manifest itself in your teen. If he has been taught to mow and edge the grass well, cook a meal in an organized fashion, make a bed or scrub a floor properly, his work ethic outside your walls will bring him praise. Handled correctly, a working opportunity can be a beneficial portion of the homeschooling curriculum. In fact, it's simply a continuation of the work-ethic parents have demonstrated in the home.

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