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 accur
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