Loving it so far. "The Plan" includes lists of things kids should be able to do by age. Practical things like groom nails and hair, make a salad, answer phone calls, have a savings account, mail a letter, write a check, help purchase a car, etc.
I like her philosophy on parenting: our job is not to make our kids happy all the time. We are to nurture, protect, love, and train our kids to be independent.
Update: I finished the book in one flight, and I love it. I may even buy it. Or perhaps I'll write a super long review to which I can refer back in coming years. :D
On The Plan: Introduce the upcoming training items far in advance, give previews, select who will do the training (use grandparents, neighbors, dad, older sibs too), hold several training sessions; be specific, don't overpraise, allow practice before incorporating into daily routines. Tie some privileges to passing off abilities. Want to earn babysitting money? Pass off CPR, making phone calls, changing diapers, etc. Want to get driver license? Pass off various car maintenance, insurance and finance-related items.
On chores: After you have the training phase for certain jobs (which make take several weeks/months), you can add chores to a child's routine. Monthly rotating rather than weekly rotating helps kids do a thorough job, knowing they'll have to be revisiting the same job for awhile. A week / B week rotations sound like they work well. Be specific about time frames, i.e. "all these weekly chores need to be done by lunchtime on Saturday".
On Allowance: Merrille has finally convinced me to give my kids a small allowance, not tied to chores. The Boyacks get $1 per month for each year of his age. I agree that it's good just to teach kids about money management and savings and tithing. So we are starting a few dollars on a monthly basis. In addition, there are "money chores" that are more labor-intensive as an option to earn more money. The rule: things you buy must invite the Spirit into our home. You don't need tons or "don'ts" if you have this "do".
Ending Allowance: At the age of 12, the Boyack boys had their allowance cut off because they were capable to earn money by other means around the community. They still had the option of money chores at home, but no monthly allowance. They didn't mind, however; because they began receiving a yearly clothing allowance and shopping for their own school clothes and supplies. In August they discuss cloting needs and alot Wal-mart prices for those needs. If a child wants brand name clothing, he can supplement the funds. If your budget can handle it, the entire allowance is available in August, so the child can manage it throughout the year. Factor in hand-me-downs, but don't include church cloting in their required purchases. Talk to the kids while shopping, teaching them about sales, but allow autonomy. One rule: items must be appropriate and modest. Merrille has warned her boys about returning a particular improper purchase, and thrown it away if it remained in the home against the one rule.
The Boyacks are involved with a charity called Mothers Without Borders, and they regularly help clothe African orphans, which helps keep material things in perspective. I absolutely love this.
On Savings: encourage kids to have a savings goal, teach the principal of interest by having your Family Bank offer a matching program for a particular goal, or a savings bonus ($10 bonus for reaching $100 in savings). There's a sweet savings schedule for mission money in this chapter. It starts out at $8 per month at age 11 and increases to $160 per month by age 18, every month being matched by the parents. By the age of 19, over $11k in principal has been saved and $1k in interest earned.
An interesting tidbit on mission funds: if you use a custodial account with a mutual fund, you can do a direct fund transfer to the Church's Mission fund with the same investment company to avoid paying taxes on that money.
"Give your children the gift of expecting them to pay a major chunk of their post-age-eighteen expenses."
If kids stop wanting to contribute or start wanting to pull out their half of the fund, remind them that your family is committed to this and the money has been consecrated. It will be used to help another missionary in need if he chooses not to go. In the case of a daughter saving for college, it can be used to help fund needy students.
On investing: teach kids early (with the 10% interest bonus), use the personal management merit badge book, use online tools to show interest and savings vehicles as well as budgeting. Quicken.com is recommended. Allow an older child to open an Etrade account and have a go at investing his birthday money.
On borrowing: teach about credit and interest by about age 12. Offer a loan from the family bank. Discuss collateral in case of default and make the interest painful, at least 20%. This lesson will ilkely only need to be taught once.
On budgeting: have a monopoly money family home evening, showing all the monthly income and then having the kids "pay" all the bills. Discuss ways to save on bills so family can save for vacation, etc. Have child set up his own budget by around 12 and track it on Quicken or other software.
On family: Establish your family's identity, use mottos, develop family lore. Kids adore hearing their parent's dating stories, grandparents' faith promoting events, their own childhood antics. Family environment should include family pictures (in her class at Ed Week Merrillee said "I don't care if you think you're fat, moms. This is important. Get that humongous family portait on the wall"). Also display family heirlooms, family glory like framed artwork by the kids. Walk into each room and ask "what is this room teaching?"
Make a family timeline of a few years, including each person's goals and happenings that are coming up. Include intended family vacation spots. Include family goals that are religious, recreational, financial.
On helping kids develop spiritually and emotionally: kids hear you better at certain times of day. Sometimes you'll have to save a topic until you've both calmed down. Watch out for "walls", which are rules they'll try to rebel against. If you have fewer walls over the essentials, it works better.
Tune into your child and you'll be guided as to how to connect her to Heavenly Father. Remind them all the time of the love of God and our Savior. Identify the many ways one feels the Holy Ghost.
Integrate service opportunities into the lives of your children. Fast, pray, and identify answers. Encourage personal habits of devotion but stay out of the way if as teens they don't want to attend church. "That's between you and the Lord. Why don't you pray about that?" is a better response than forcing the issue, and equating mom with religion, i.e. if I reject church, I reject mom.
Create a safe haven at home where kids are morally and spiritually safe. The Boyacks have no video games, which makes me feel so validated! I don't care if my kids are the weird boys in the neighborhood, we are never never bringing a gaming system into our home.
Fill the parental tanks first. Have goals and hobbies that make your kids proud.
Have fun! While driving with the family, Merrillee's dad used to suddenly grip the steering wheel with stiff arms and pretend the car had a mind of it's own and that he couldn't stop it from pulling into Dairy Queen.
On Parenting in summary: be consistent, develop a philosophy together with your spouse, you needn't explain everything, remain firm, remember the "why" for all this. We want our kids to grow up and be independent. Our kids may be different from us, but it's not wrong. Know who owns the problem. Don't solve all their problems. Listen and be supportive of them solving them, use I messages when the problem is yours. Mean what you say. Set kids up--let them know what you expect at the restaurant, how long it will take at the photographer, etc. Use time outs for kids and yourself. Tag team your spouse when you've had it, use other family members to help too. Laugh at yourself. If your kids say you're weird thank them for the compliment.
"Self sufficiency is the yardstick of self-esteem. The road to self-sufficiency is paved with frustration, disappointment, failure, falling flat on one's face and other equally 'unhappy' experiences. We cannot afford to deny children these things." John Rosemond
"As a parent you'll never be perfect, but you'll always be the only mother or father your child will ever want." John Rosemond