{"id":149230,"date":"2020-10-16T11:23:30","date_gmt":"2020-10-16T08:23:30","guid":{"rendered":"https:\/\/www.ghafla.com\/ke\/?p=149230"},"modified":"2020-10-16T11:23:30","modified_gmt":"2020-10-16T08:23:30","slug":"how-to-not-spoil-kids-with-toys-or-junk-and-normalize-a-saving-culture-from-an-early-age","status":"publish","type":"post","link":"https:\/\/www.ghafla.co.ke\/ke\/how-to-not-spoil-kids-with-toys-or-junk-and-normalize-a-saving-culture-from-an-early-age\/","title":{"rendered":"How to not spoil kids with toys or junk and normalize a saving culture from an early age!"},"content":{"rendered":"

Where\u2019s the fun in a rollercoaster?<\/p>\n

One never knows where\u2019s the next turn is, or to where. A sheer drop will happen when one expects a turn left, or a sudden rise that leaves the bowels churning.<\/p>\n

Modern parenting is akin to riding one.<\/p>\n

The working parent spends more hours at work – deadlines, traffic, travel, et al. The kids spend more time at school, and gigantic loads of homework. Where\u2019s the time to teach life\u2019s basics and societal norms like it should be?<\/p>\n

Often times, little treats and surprises for the kids make up for this. An average household is littered with abandoned toys. Other times, it\u2019s junk – perhaps, an even worse choice for instant juvenile gratification.<\/p>\n

\"\"<\/a><\/p>\n

Recently, I was jolted by a strict mother ahead of me on the line at the cashier\u2019s desk, at the mall. I kept thinking that she\u2019d given me an impetus to teach financial tenets to my five year old daughter.<\/p>\n

As always, the cashier\u2019s desk is massively loaded with trendy gizmos, flashy packed junk and whatnot – cunningly meant to squeeze out that last dollar.<\/p>\n

As the cashier ran the mother\u2019s groceries, the kid – perhaps four or five – picks a Superman model and says, \u201cMum, I think I\u2019ll pick this one today\u2026\u201d<\/em><\/p>\n

The mum grabs the toy and places it back. \u201cNo, Max, I can\u2019t afford that. You have to save for it.\u201d<\/em><\/p>\n

The kid bursts into tears. The mum, classic Kenyan-style, grabs an ounce of flesh under his sweater and pulls him away from the cashier\u2019s desk – with a handful of change in her hands.<\/p>\n

\u201cListen, Max, this is my money. If you want to buy your stuff, save your money.\u201d<\/em><\/p>\n

\u201cBut, mum, am saving for a bike.\u201d<\/em> The kid, says, all teary. The mum is unmoved.<\/p>\n

\u201cI know. If you also want Spiderman, too\u201d.<\/em><\/p>\n

\u201cIt\u2019s SUPERMAN – not SPIDERMAN\u2026Muuuum!\u201d<\/em><\/p>\n

\u201cI don\u2019t care, Max – you have to use your own money for your toys!\u201d<\/em><\/p>\n

They left the mall, but the mum left a lasting impression on the now silent queue. It was a valuable lesson for us all.<\/p>\n

I confess a bad habit. Every time I had shopping chores, I would buy something for my daughter. This had over time made it seem normal for her, and she\u2019d rummage through the baskets the moment I got home.<\/p>\n

Not today, Margaret.<\/p>\n

As expected, Margaret was crestfallen when she couldn\u2019t find any of her usual bites – crisps, chocolates and themed toys.<\/p>\n

\u201cI cannot afford those things, little one.\u201d<\/em> I tell her. \u201cYou have to now start saving to buy your toys and anything else you want.\u201d<\/em><\/p>\n

\"\"<\/a><\/p>\n

It takes a while, and a ton of tears and tantrums to instill this saving discipline, but it eventually pays off. The best time to teach financial discipline, and a saving culture – is as early as the kids learn to demand.<\/p>\n

The next best time, is NOW.<\/p>\n

Co-op Bank<\/a> has a transitional account that\u2019s a perfect tool to teach the saving culture to kids, and financial discipline that will be beneficial in their pre-adult and eventual adulthood. It\u2019s designed for children below the age of 18 years, for the safe keeping of money.<\/p>\n

The Jumbo Junior Bank Account.<\/a><\/p>\n

Besides, there\u2019s a load of other unbelievable benefits. To sign up, or learn more about Jumbo Junior, visit the nearest Co-op Bank branch, or click here.<\/a><\/p>\n

The Big Bank Account\u2026.For Little People!<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Where\u2019s the fun in a rollercoaster? One never knows where\u2019s the next turn is, or to where. A sheer drop will happen when one expects a turn left, or a sudden rise that leaves the bowels churning. Modern parenting is akin to riding one. The working parent spends more hours at work – deadlines, traffic, […]<\/p>\n","protected":false},"author":6067,"featured_media":149231,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[114483],"tags":[122393,104461,134327],"class_list":["post-149230","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sponsored-content","tag-coop-bank-news","tag-coop-bank-kenya-news","tag-jumbo-junior-bank-account"],"yoast_head":"\nHow to not spoil kids with toys or junk and normalize a saving culture from an early age! - Ghafla! 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