Gentle Measures in the Management and Training of the Young, Jacob Abbott [read me a book .TXT] 📗

not depend at all upon his frugality, his foresight, or upon any incipient financial skill that he may exercise, but solely upon his adroitness in coaxing, or his persistence in importunity, it is the group of bad qualities, and not the good, which such management tends to foster. The effect of such a system is, in other words, not to encourage the development and growth of those qualities on which thrift and forehandedness in the management of his affairs in future life, and, in consequence, his success and prosperity, depend; but, on the contrary, to cherish the growth of all the mean and ignoble propensities of human nature by accustoming him, so far as relates to this subject, to gain his ends by the arts of a sycophant, or by rude pertinacity.

Not that this system always produces these results. It may be, and perhaps generally is, greatly modified by other influences acting upon the mind of the child at the same time, as well as by the natural tendencies of the boy's character, and by the character and general influence upon him of his father and mother in other respects. It can not be denied, however, that the above is the tendency of a system which makes a boy's income of spending-money a matter of mere chance, on which no calculations can be founded, except so far as he can increase it by adroit manoeuvring or by asking for it directly, with more or less of urgency or persistence, as the case may require; that is to say, by precisely those means which are the most ignoble and most generally despised by honorably-minded men as means for the attainment of any human end.

Now one of the most important parts of the education of both girls and boys, whether they are to inherit riches, or to enjoy a moderate income from the fruits of their own industry, or to spend their lives in extreme poverty, is to teach them the proper management and use of money. And this may be very effectually done by giving them a fixed and definite income to manage, and then throwing upon them the responsibility of the management of it, with such a degree of guidance, encouragement, and aid as a parent can easily render.

Objection to the Plan of a regular Allowance.

There are no parents among those who will be likely to read this book of resources so limited that they will not, from time to time, allow their children some amount of spending-money in a year. All that is necessary, therefore, is to appropriate to them this amount and pay it to them, or credit them with it, in a business-like and regular manner. It is true that by this system the children will soon begin to regard their monthly or weekly allowance as their due; and the parent will lose the pleasure, if it is any pleasure to him or her, of having the money which they give them regarded in each case as a present, and received with a sense of obligation. This is sometimes considered an objection to this plan. "When I furnish my children with money," says the parent, "as a gratification, I wish to have the pleasure of giving it to them. Whereas, on this proposed plan of paying it to them regularly at stated intervals, they will come to consider each payment as simply the payment of a debt. I wish them to consider it as a gratuity on my part, so that it may awaken gratitude and renew their love for me."

There is some seeming force in this objection, though it is true that the adoption of the plan of a systematic appropriation, as here recommended, does not prevent the making of presents of money, or of any thing else, to the children, whenever either parent desires to do so. Still the plan will not generally be adopted, except by parents in whose minds the laying of permanent foundations for their children's welfare and happiness through life, by training them from their earliest years to habits of forecast and thrift, and the exercise of judgment and skill in the management of money, is entirely paramount to any petty sentimental gratification to themselves, while the children are young.

Two Methods.

In case the parent—it may be either the father or the mother—decides to adopt the plan of appropriating systematically and regularly a certain sum to be at the disposal of the child, there are two modes by which the business may be transacted—one by paying over the money itself in the amounts and at the stated periods determined upon, and the other by opening an account with the child, and giving him credit from time to time for the amount due, charging on the other side the amounts which he draws.

1. Paying the money. This is the simplest plan. If it is adopted, the money must be ready and be paid at the appointed time with the utmost exactitude and certainty. Having made the arrangement with a child that he is to have a certain sum—six cents, twelve cents, twenty-five cents, or more, as the case may be—every Saturday night, the mother—if it is the mother who has charge of the execution of the plan—must consider it a sacred debt, and must be always ready. She can not expect that her children will learn regularity, punctuality, and system in the management of their money affairs, if she sets them the example of laxity and forgetfulness in fulfilling her engagements, and offering excuses for non-payment when the time comes, instead of having the money ready when it is due. The money, when paid, should not, in general, be carried by the children about the person, but they should be provided with a purse or other safe receptacle, which, however, should be entirely in their custody, and so exposed to all the accidents to which any carelessness in the custody would expose it. The mother must remember that the very object of the plan is to have the children learn by experience to take care of money themselves, and that she defeats that object by virtually relieving them of this care. It should, therefore, be paid to them with the greatest punctuality, especially at the first introduction of the system, and with the distinct understanding that the charge and care of keeping it devolves entirely upon them from the time of its passing into their hands.

2. Opening an account. The second plan, and one that will prove much the most satisfactory in its working—though many mothers will shrink from it on the ground that it would make them a great deal of trouble—is to keep an account. For this purpose a small book should be made, with as many leaves as there are children, so that for each account there can be two pages. The book should be ruled for accounts, and the name of each child should be entered at the head of the two pages appropriated to his account. Then, from time to time, the amount of his allowance that has fallen due should be entered on the credit side, and any payment made to him on the other.

The plan of keeping an account in this way obviates the necessity of paying money at stated times, for the account will show at any time how much is due.

There are some advantages in each of these modes. Much depends on the age of the children, and still more upon the facilities which the father or mother have at hand for making entries in writing. To a man of business, accustomed to accounts, who could have a book made small enough to go into his wallet, or to a mother who is systematic in her habits, and has in her work-table or her secretary facilities for writing at any time, the plan of opening an account will be found much the best. It will afford an opportunity of giving the children a great deal of useful knowledge in respect to account-keeping—or, rather, by habituating them from an early age to the management of their affairs in this systematic manner, will train them from the beginning to habits of system and exactness. A very perceptible effect in this direction will be produced on the minds of children, even while they have not yet learned to read, and so can not understand at all the written record made of their pecuniary transactions. They will, at any rate, understand that a written record is made; they will take a certain pride and pleasure in it, and impressions will be produced which may have an effect upon their habits of accuracy and system in their pecuniary transactions through all future life.

Interest on Balances.

One great advantage of the plan of having an account over that of paying cash at stated times is, that it affords an opportunity for the father or mother to allow interest for any balances left from time to time in their hands, so as to initiate the children into a knowledge of the nature and the advantages of productive investments, and familiarize them with the idea that money reserved has within it a principle of increase. The interest allowed should be altogether greater than the regular rate, so as to make the advantage of it in the case of such small sums appreciable to the children—but not too great. Some judgment and discretion must be exercised on this as on all other points connected with the system.

The arrangements for the keeping of an account being made, and the account opened, there is, of course, no necessity, as in the case of payments made simply in cash, that the business should be transacted at stated times. At any time when convenient, the entry may be made of the amount which has become due since the time of the last entry. And when, from time to time, the child wishes for money, the parent will look at his account and see if there is a balance to his credit. If there is, the child will be entitled to receive whatever he desires up to the amount of the balance. Once in a month, or at any other times when convenient, the account can be settled, and the balance, with the accrued interest, carried to a new account.

All this, instead of being a trouble, will only be a source of interest and pleasure to the parent, as well as to the children themselves, and, without occupying any sensible portion of time, will be the means of gradually communicating a great deal of very useful instruction.

Employment of the Money.

It will have a great effect in "training up children in the way in which they should go," in respect to the employment of money, if a rule is made for them that a certain portion, one-quarter or one-half, for example, of all the money which comes into their possession, both from their regular allowance and from gratuities, is to be laid aside as a permanent investment, and an account at some Savings Bank be opened, or some other formal mode of placing it be adopted—the bank-book or other documentary evidence of the amount so laid up to be deposited among the child's treasures.

In respect to the other portion of the money—namely, that which is to be employed by the children themselves as spending-money, the disbursement of it should be left entirely at their discretion, subject only to the restriction that they are not to buy any thing that will be injurious or dangerous to themselves, or a means of disturbance or annoyance to others. The mother may give them any information or any counsel in regard to the employment of their money, provided she does not do it in the form of expressing any wish, on her part, in regard to it. For the very object of the whole plan is to bring out into action, and thus to develop and strengthen, the judgment and discretion of the child; and just as children can not learn to walk by always being carried, so they can not learn to be good managers without having the responsibility of actual management, on a scale adapted to their years, thrown really upon them. If a boy wishes to buy a bow and arrow, it may in some cases be right not to give him permission to do it, on account of the danger accompanying the use of such a plaything. But if he wishes to buy a kite which the mother is satisfied is too large for him to manage, or if she thinks there are so many trees about the house that he can not prevent its getting entangled in them, she must not object to it on that account. She can explain these dangers to the boy, if