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What should I tell my child about losing my job when he offers to pay our bills?

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My ten-year-old put $19 in an envelope marked "house money." He had heard me say that without my job we would have to cut everything back.

I meant canceling a holiday and reviewing what we spend. He thought it included his school lunches. When I told him to keep his savings, he asked whether being helpful only counted when the problem was small.

My partner wants us to say everything is fine. It isn't fine in the sense that we know what next month will look like. We are making a plan, and there are adults we can talk to, but I can't promise I'll have a new job by a particular date.

I also don't want every ordinary request from him followed by "Can we still afford this?" What would you tell him now, and what changes should we explain before he discovers them through canceled plans? I need to correct what he understood without handing him the job of reassuring me.

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3 community replies

Thank him for the intention and explain why you aren't taking the envelope: the bills are the adults' responsibility. He can care about the family without financing it. Tell him specifically that the school-lunch worry came from a misunderstanding of what you meant, rather than simply telling him to stop worrying.

"Everything is fine" and a date for a new job are both promises you're hesitant to make. You can say what you do know: your job ended, the adults are working on the money plan, and you will explain changes that affect him. That is more precise than either a catastrophe or a cheerful forecast.

He shouldn't have to ask permission to eat lunch, and you shouldn't have to pretend the holiday is still happening. Discuss the particular plans that are changing. Keep your late-night calculations and frustrations with other adults so they don't become the explanation he overhears for every small purchase.

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