Should Kids Get Paid to Do Chores? How We Do Chores For Kids

Should Kids Get Paid to Do Chores? How We Do Chores for Kids.

A commonly asked question among parents is: should my kids get paid to do chores?

There is a lot of debate surrounding the topic.

Some believe kids should contribute to the home, have assigned chores, and not receive any payment for those duties.

Some believe kids should “be kids” and have little to no responsibilities around the home and be paid a regular allowance with no strings attached.

I used to think that kids should receive a set amount of allowance once they were old enough to need it (middle school or even older) and that they should have chores to help around the house without being paid for those duties.

Paying kids for chores? Nope. Not Me!

I believed doing chores should start at a young age but that allowance was a separate thing to be handled once an age was reached where money was necessary.

Once I read Dave Ramsey’s Total Money Makeover we made the decision to purchase the Financial Peace Junior Kit for our children.

And I totally changed my mind about the whole way we were going to handle chores, and allowance, in our home.

don't give an allowance - pay kids for doing chores.

Should Kids Get Paid to Do Chores?

Dave Ramsey never gave his children allowance but instead believes in paying a commission for their chores.

I love this idea and concept.

I want to teach our children money management skills from early ages.

Why wait until they “need” the money in order to start training them in how to manage it?

I want them to have a healthy relationship with money as well as to learn a strong work ethic.

By paying them for their work we give our children to opportunity to learn how to save, learn to spend wisely, and learn to give to the Lord.

We have been doing this system for several years and it’s been a great experience.

We believe that children should be paid commission for chores as early as they are truly able to help contribute to the running of the home – for us, we chose age 4.

Four is a great age to start learning about money and have the skills needed to complete household tasks.

I love knowing that from such a young age our kids have been learning how to work hard to earn a profit, how to be committed to giving first to the Lord with a happy heart and that their savings accounts begin growing all while learning how to manage money in a positive way!

So should kids get paid to do chores? Short answer: YES!

Come Hang With Our Fam and Keep Up With Our Adventures:

Follow Me on Instagram @journeyofphood or Click Here!

Deciding Age Appropriate Chores

We currently have three children who are over the age of four and are eligible to earn commissions from tasks around the house.

Every year I go over the chores our kids have and decide what items to change.

As they get older they are better able to complete more difficult tasks so usually a task an older child has will be passed down to a younger one and the older one will graduate to a more difficult task that I feel they can handle at that age.

For me, it isn’t just about giving my child some simple task so I can have a “reason” to pay them.

Just like I want my kids to spend smart, it’s important for my husband and I to set the example for our children by spending smart as well.

It’s not wise for us to financially give our children money and allow them to just do simple tasks that don’t give any real benefit to our home.

I’m not paying kids just to pay them!

It’s also important to consider tasks they can do well. Ones that require hard work but are also tasks they can succeed without frustration.

It also does not benefit me for my children to do a task in which they are not ready to be able to do it well. In those cases I’d have to be doing the chore myself after they did it in order to make sure it was done correctly.

Having chores isn’t just about working hard or managing money – it’s also about learning independence and I want to make sure my children are up for the tasks before they try to tackle it.

When I evaluate the chore charts each year I look at tasks that maybe weren’t helpful to our home and change them and I also consider what things we could use more help with and will add them to the chores.

Should Kids Be Paid for ALL Chores?

Dave Ramsey talks about children being paid commission for certain household tasks but he also considers it important for kids to have required responsibilities in which they are NOT paid to complete.

We all live in our home.

We all contribute to the mess of the house.

We all need to contribute to the maintenance of it too.

As I go through the chore items I think about the task and consider if it is one that is lightning my personal responsibility load (or my husbands) or if it’s one that benefits the child.

Putting away their laundry? Not getting paid for that.

Cleaning their room? That’s a responsibility that would be theirs even if we didn’t have a chore chart.

Many of the items on my children’s weekly chore chart list are what I call “freebies.” Items in which they MUST do but they will NOT be paid a commission for.

More Posts About Spending Smart:

spending smart: how to set up a family budget

What is a Fair Amount to Pay?

I believe Dave recommends paying your child their age. So a 4 year old would earn $4 a week, 10 year old $10 a week etc.

In our family we don’t go by that rule of thumb.

We have four kids and paying each of them their ages each week would add up FAST.

Kids don’t have a real NEED for money.

Even just a small weekly commission amount can work in helping them to feel responsible, appreciate the opportunity to earn money on their own, and learn the financial lessons.

When our youngest daughter turned four she was earning $2.25 a week.

It’s been plenty for her to learn and she’s never complained or desired to be paid a higher amount.

Each year as I evaluate their chores I also evaluate their earnings.

As they get older the responsibilities get more difficult but the earnings also increase.

Older children start to have a desire for items or activities that make it beneficial for them to have their own money.

Our oldest son saved for an iPad and bought it himself – he had SO much pride the day it arrived!

should kids get paid to do chores? YES!

When Do Kids Do Chores?

This is something we struggle with.

Everyone has a busy life and it’s hard to actually make TIME for the kids to DO the chores they are assigned to do!

For a long time I allowed my kids to do all of their chores on one day.

That day has been Friday.

They wanted to do all their chores in one block which I understood so I allowed the chores that were weekly to all be done on that day.

But we often travel so sometimes we were gone on Fridays and it’d be a big effort to deal with moving the chores earlier in the week.

And our weekends were always starting off on a bad foot.

Kids would complain about the chores or drag their feet about doing them. There would be drama or issues or chores that didn’t get finished before we needed to eat dinner or do something fun together as a family.

It is a PRIVILEGE for our kids to have the opportunity to do chores.

Oh I get heated when the complaints happen!

A big part of their opportunity to get paid for their chores? The requirement to have them completed with a happy heart.

Complaining? Well then they get to do those chores ALL as freebies. Without pay for that week.

I’ve actually decided this year to change this system up. Fridays being chore days killed MY joy.

So we’re now going to do the weekly chores on Monday, Tues, Thur and Fri (we have zero time on Wednesdays).

I think it’ll work out well once we get in the groove.

And if there are any complaints? I will deduct $0.25 off their pay that week for EACH complaint I hear.

Having set chores each week isn’t just a lesson to teach kids financial literacy, it’s a lesson for our kids about time management skills as well.

Are Chores Optional?

The freebie chores, the ones we don’t pay the kids to do, are obviously not optional.

They have to put their laundry away. They have to clean up their bedrooms.

These are non-negoiatable items.

However, when we first started paying for chores I felt like they needed to be optional.

Do the task, earn that income. Choose not to do it, don’t earn it.

However, kids are kids. And that set up became a back and forth of me needing to know if they planned to do a chore or not and it also created a “who cares” sort of attitude about doing chores.

There was less pride in their work and less motivation when they knew they didn’t “have to” do them.

Money being a new thing in their lives the motivation to work hard for money wasn’t quite there yet.

When you don’t have a full concept of what something is…it’s difficult to be super pumped about doing a chore to earn it!

We decided to have chores be mandatory and decided that the PAY portion is not. It’s a privilege to get paid, it’s a requirement to help out around the home.

We offer the commission as a courtesy to them. We can take away the money if the job isn’t done well or in time etc.

We also use chores as a teaching tool about doing work for the Lord and how we need to do our best, do it efficiently, in a timely manner, and with a happy heart.

And once we commit to something? We need to stay committed and see it through.

The kids go over their chores with me each year and agree to them.

That means they need to commit to completing them too because if they stop doing a chore it puts more on Zach and I since we no longer worry about those tasks due to their agreeing to complete them.

teaching kids about money by doing chores - should kids get paid to do chores? YES!

The Three Places Their Money Goes

We pay our kids on Sunday mornings.

This makes it easy to make sure all the chores for the week were completed and to take their “God money” right away to church.

I like paying them on Sundays as I really want to drive home the message that we pay God first whenever we earn any income.

He blesses us so much and tithing is a small way we can give back to Him and help further His kingdom here on earth!

When we pay our children we divide their earnings into three places:

  • 10% of their earnings goes to contribution at church
  • 10% of their earnings goes to savings
  • They keep the rest in their wallet as “spending money”

I do not use exact math for the amounts we give. I do simple rounding.

If a kid is supposed to give 0.65 to God, we just round to make it an even $0.75.

I also just keep it simple by giving $1 to savings.

We use physical money for all of these transactions and keep bank envelops with their savings in them.

It’s important for kids to physically see and touch the money to help learn about it.

Each of our children have a bank account and go with us to set it up.

As we pay kids for their chores they see the savings envelope grow and love to count how much is in it before we make a deposit.

We have no rules about their spending money. They can spend it on whatever they’d like, as long as it aligns with our family values and beliefs.

Our oldest son has bought the iPad, a Nintendo DS and many slushees 😉

Our oldest daughter has bought her fair share of stuffed animals and our youngest tends to spend her money on whatever her older siblings spend theirs on!

Of course they can choose to save more than the amount we put in each week. Our oldest daughter has a big goal to save $500 so she is currently putting all of her “spend” money into her savings envelope each week.

We also haven’t made any sort of stipulations about their savings accounts.

Our oldest son says he plans to save his for a house someday while the oldest daughter is putting all of hers towards a trip to Hawaii.

Teaching our kids money management is something we highly value and explaining to our kids about earning money and also how to set money aside for savings and for tithing is very important.

More Posts on Chores:

Our Chores:

Here is a break down of the chores our kids have and what they are earning for them:

Tess Age 5 (Will be 6 in July)

ChoreEarnings
Put Away Clean Laundry$0
Place Dirtly Clothes in Laundry Basket$0
Clean Room and Make Bed (once a week)$0
Have the Playroom Clean (work together)$0
Put Dirty Dishes in Dishwasher and Help Empty Clean Dishes Each Day$0
Wipe Down All Exterior Doors and Stair Railing$0.50
Wipe Down Kitchen Cabinets and Light Switches$0.50
Clean Baseboards (1-2 rooms per week)$0.25
Dust Bedroom$0.25
Clean Out Van$0.25
Vacuum Bedroom and Baby Brother’s Bedroom$0.50
Mop Downstairs Bathrooms$0.50
Empty Trash Cans$0.25

She will earn a total of $3. She will contribute $0.25 to God each week, $0.50 to savings and have $2.25 to spend.

Britt Age 8 (Will be 9 in December)

ChoreEarnings
Put Away Clean Laundry$0
Place Dirty Clothes in Laundry Basket$0
Clean Room and Make Bed (once a week)$0
Have the Playroom Clean (work together)$0
Put Dirty Dishes in Dishwasher and Help Empty Clean Dishes Each Day$0
Dust Bedroom$0.25
Mop Kitchen and Dining Room$1.00
Vacuum: Living Room, Hallways, Master Bedroom, Own Bedroom$1.00
Dust Living and Dining Room$0.50
Clean Appliances and Inside Microwave$0.50
Clean All Mirrors$0.50
Clean Kitchen Table, Chairs and Bar Stools$0.75
Clean Windows$0.25
Clean Showers and Tubs$1.00

Britt will earn $5.75 a week in commissions for her chores. She will give $0.50 to God, save $1 a week and have $4.50 to spend.

Kye Age 10 (Will be 11 in March)

ChoreEarnings
Put Away Clean Laundry$0
Place Dirty Clothes in Laundry Basket$0
Clean Room and Make Bed (once a week)$0
Have the Playroom Clean (work together)$0
Put Dirty Dishes in Dishwasher and Help Empty Clean Dishes Each Day$0
Dust Bedroom$0.25
Change Out Sheets (2-3 Rooms Per Week)$1.00
Clean Kitchen Counters$0.25
Completely Sweep Kitchen Every Other Day $1.50
Sweep Bathrooms Weekly$1.00
Clean Bathroom Counters and Sinks$1.00
Clean Bathroom Toilets$1.00
Blow Yard in Winter / Pull Weeds in Summer$0.50
Vacuum Bedroom$0.25
Empty Pool Basket Daily$0.25
Help Mow Yard – Yard Work$1.00

Kye will earn $8 a week. He will give $0.75 to God, save $1 and have $6.25 each week to spend.

Our kids earn commission on most of their chores but also have certain chores that they do not receive any payment to complete.

Thoughts on How We Do Chores

I am so glad we decided to follow Dave Ramsey’s advice in paying our children commission for household chores.

I see the lessons they are learning and I am thankful to be raising independent hardworking children who understand how money works and how to save it while spending it wisely.

While no system is perfect and we still make tweaks to ours pretty regularly I like the plan we have in place and highly recommend setting up a similar routine if you’re looking for a chore plan for your children and home.

Sharing is caring!

Emily Parker

Hey Y’all, I’m Emily! I’m a stay at home mom and consider parenting to be my passion. Disney is my happiest place and I love making memories as a family together. I’m a big believer in transparency and share all of my real-life moments as a mother of four.

My work has been featured on Love What Matters, Today Parenting and Babywise.Life. I’m also honored to be a member of the Babywise Friendly Blog Network.

You can read more about our family on my About Me page. Also be sure to follow along with me on Instagram, Facebook and Pinterest!

Find me on: Web | Twitter | Instagram | Facebook

Leave a Reply

Your email address will not be published. Required fields are marked *