Blog Post

Parenting Advice - Growing Money Smartly

ADvTECH Group • January 7, 2022

Parenting Advice - Growing Money Smartly.

A man and a little girl are sitting on a couch with a piggy bank.

Teaching our children about money is a balancing act, especially in South Africa! On the one hand, we try not to make our children's lives all about material goods and money. On the other hand however, money sure does make the world go round and it’s never too early to teach your kids the fundamentals of money to prepare them for the future. Here are some age-appropriate money concepts that Crawford International families can teach their kids.


Ages 03 - 05


What to say: If you do something or make something, you can get money for it. This is called a job and getting money to do that job is called ‘earning’. 


Activity idea: Job hunt!

Walk through your Crawford International Campus with your child and point out people who are working, such as the teacher, the cleaner, the canteen chef, or the coach. Talk about HOW those people earn money. You could do the same at your local shopping centre.


Mind your own business: Entrepreneurship

You can introduce your children to the concept of entrepreneurship. Teach them about people who start their own businesses and how they pay themselves. Encourage your child to think of their own cool business and how they can make money from it.


Example: 

Name and age: Aaron, age 6.

Business idea: A bicycle shop.

Name of the business: Rides.

How the business would make money: "I would fix bicycles. And sell some new ones, too."


Concept: Saving


What to say: When you have to wait for a turn on the trampoline or you are looking forward to a play date at your friend’s house, you will notice that sometimes you have to wait for things you want. When it comes to money, you might not have enough money to get what you want today, but if you keep putting money into your piggy bank, one day you will have enough to buy whatever you want. It's called 'saving'.


Activity idea: Make the bank!

Help your child make his or her own piggy bank. Follow these instructions for some ‘saving’ fun:

  1. Take an empty 2-litre cold drink bottle.
  2. Cut it in half and slide the bottom half into the top half.
  3. Make a slit at the top of the bottle. (for the moolah)
  4. Spray paint the bottle pink.
  5. Spray the bottle lid pink and stick it on for the nose.
  6. Glue on some googly eyes, paper ears and tail and other lids for the feet.


Concept: Shopping


What to say: When you shop, you need to see what items are things that you need and what items are things that you want. Things you need must always be the first things you buy. Buying things you want before things you need can leave you in a tricky situation...think of toilet paper, for instance!


Activity idea: Shop!

Let your child be in charge of shopping for three items that you NEED and three items that you WANT. See how in-touch your children are with necessities and wants.

Also, if you have some money lying around the house (ja right!), let your child sort through the different coins and notes. They must identify the money, group them together and then add them up.

Ages 06- 12


In this age category, you can teach day-to-day habits that will eventually shape how they earn, save, and shop.


Concept: Earning


What to say: Kids can ‘earn money’ through an allowance or by doing odd jobs for the family or for friends, but it is important to talk to them about what they intend to do with the money they have earned. If it's all ‘spend, spend, spend’ then you know that they need a little guidance.


Activity idea: Save or spend wisely.

Pretend that your child has received R200 as a gift. Ask your child what they will do with that money. There are two outcomes we are looking for here:

1. Saving – maybe they will choose to spend half and save half, and this could be rewarded. Some parents match what their child has saved as a savings reward. 

2. Entrepreneurship – encourage your child to use the R200 to make more money! 


Example:

Name and age: Tazzie, age 12.

Business idea: Cookie business.

Name of the business: Tazzy Sweet Treats.

How Tazzy Sweet Treats will turn R200 into R640: "I used the money to buy ingredients, then made some Valentine’s Day biscuits and iced people's names on them. I sold 32 biscuits at R20 each. I made R640!"

Entrepreneur!


Concept: Saving.


What to say: You want it, you buy it.

As parents we need to stop the instant gratification. Don't run out and buy what your child wants when they want it – you are not teaching them anything about finances nor about valuing items that they worked for and bought themselves. Give your child a sense of accomplishment by working towards a goal.


Activity idea: Delayed gratification!

Establish something your child wants, which is the reward. Set up a rewards chart that relates to money. The rewards chart should have random jobs on it, and a monetary value assigned to each job.

Your child can bid to do that job, and you can accept. Once they have done that job, they get paid. Once they have done all the jobs and earned all the money, they can buy their own reward! 


Concept: Shopping


What to say: Product competition! Which product is best based on price and quality, and how much could you save with better choices?


Activity idea: Shop online!

Let your child do online shopping with you. They can compare prices from the comfort of their home and they can see the savings on the shopping list immediately.


Concept: Borrowing


What to say: If you borrow money, you have to it pay back, plus more – this is called ‘interest’.


Discussion: Working against your ‘savings’ lesson, kids at this age can also understand credit cards and interest. Speak to them about instant gratification and if they want something right now, you will "lend" them the money immediately, but they will need to pay it back with interest.


Help them work out how much the item would cost if they saved for it, and how much it would cost on credit with interest and then let them make the decision. The big lesson will come when they get their allowance, and you take it all back because of interest, and so they can't go to the movies with their friends.


If you allow them to fall into more debt than they can repay, then you may have to repossess their bed to make a point (only kidding, but a fact of finance).

March 14, 2025
Why the Grade 9 Subject Choice Process is Important The transition from Grade 9 to Grade 10 is a pivotal moment in a South African student’s academic journey. It is during this stage that learners make subject choices that will shape their future career paths and academic trajectories. While Grade 9 students may not yet have a clear vision of their long-term aspirations, understanding the significance of subject selection can help them make informed and strategic decisions. Why Can You Choose Your Subjects in Grade 9? The South African education system allows students to select subjects in Grade 9 to create a pathway that aligns with their interests, strengths, and potential career aspirations. Up until Grade 9, learners follow a generalised curriculum, but from Grade 10 onwards, they start specialising in subjects that will ultimately contribute to their National Senior Certificate (NSC) qualification. The flexibility in choosing subjects is designed to help students focus on areas where they excel and enjoy learning, making their high school experience more meaningful and productive (Department of Basic Education, 2023). The Department of Basic Education highlights that subject choices at this stage have a significant impact on future academic and career pathways. Selecting the right combination of subjects can determine access to university programmes, technical and vocational training, or specialised fields (Department of Basic Education, 2023). Schools, including Crawford International, provide structured subject selection guidance to ensure students and parents understand the weight of these decisions. Why Does Subject Choice Matter? Subject selection has a long-term impact on a student’s educational and professional opportunities. The subjects chosen in Grade 9 will determine the courses available to them in tertiary education and the careers they can pursue. They influence eligibility for specific tertiary education programmes and career fields (South African Qualifications Authority, 2022). Choosing subjects without considering their future implications may limit university and career options, creating unnecessary challenges later on. For example, selecting Mathematics Literacy instead of Pure Mathematics can restrict access to certain degree programmes, particularly in fields like engineering, medicine, and actuarial sciences. Furthermore, making well-informed subject choices can enhance academic performance and motivation. When students select subjects that align with their strengths and interests, they are more likely to remain engaged and perform well. Conversely, poor choices may lead to struggles in comprehension and lower overall academic achievement. What are the Compulsory Subjects? In South Africa, the Department of Basic Education mandates that all students take a set of compulsory subjects to ensure they receive a well-rounded education. These include: Home Language (e.g., English, IsiZulu or Afrikaans, etc.) First Additional Language – (another South African language) Mathematics or Mathematical Literacy – Pure Mathematics is required for careers in science, engineering, and technology, while Mathematical Literacy is an option for students who do not require advanced mathematical skills in their future careers. Life Orientation – This subject focuses on personal development, career guidance, and physical well-being, preparing students for life beyond school. · One additional subject, such as Life Sciences or Business Studies, depending on school requirements (Department of Basic Education, 2023). What are the Elective Subjects? Beyond compulsory subjects, students can select additional subjects based on their interests and future aspirations. Some common elective options in South African schools include: Business Studies – Ideal for students interested in commerce, entrepreneurship, and economic principles. Accounting – Suitable for those considering careers in finance, banking, or auditing. History and Geography – Subjects that develop critical thinking and research skills. Information Technology and Computer Applications Technology (CAT ) – Important for careers in technology, programming, and digital communication. Visual Arts and Drama – For students with an interest in the creative arts and media industries. Each school may offer different elective subjects, and it is crucial for students to research their options and understand the requirements for their intended career path. How Does Subject Choice Impact Career Aspirations? Subject selection plays a fundamental role in shaping future career opportunities. Many universities and technical institutions have specific entry requirements that dictate the subjects a student must have taken in high school. For instance: Medical and Health Sciences: Require Physical Sciences, Life Sciences, and Pure Mathematics. Engineering and Technology Fields: Require Pure Mathematics and Physical Sciences. Law and Humanities: Prefer History and English at a high level. Business and Finance Careers: Benefit from Accounting, Economics, and Business Studies. In the South African job market, demand for STEM-related careers continues to grow, with fields like engineering, data science, and healthcare requiring Mathematics and Physical Sciences (Maharaj, 2020). Meanwhile, the creative economy offers opportunities in digital marketing, graphic design, and content creation, where subjects like Visual Arts and Information Technology play a crucial role (University of Cape Town, 2021). In addition to academic requirements, subject choices can also develop key skills that are valuable in the workplace. Critical thinking, problem-solving, and analytical skills are nurtured through subjects like Mathematics and Science, while creativity and communication skills are honed through subjects like Visual Arts and English. Making Informed Decisions. Grade 9 students should approach subject selection with careful consideration and seek guidance from teachers, parents, and career advisors. Schools like Crawford International provide career guidance programmes to help students make educated decisions. Career assessment tools, aptitude tests, and consultations with professionals can offer insights into suitable subject combinations based on individual strengths and interests. Additionally, students should think about their personal learning preferences and long-term satisfaction. Choosing subjects simply because they are perceived as ‘easy’ or because peers are taking them may lead to disengagement and regret in later years. Instead, selecting subjects based on passion and aptitude will result in a more fulfilling academic experience. The Grade 9 subject choice process is a crucial milestone in every South African student’s educational journey. Thoughtful subject selection can open doors to exciting career prospects, while uninformed decisions may limit future opportunities. By understanding the importance of this decision and seeking the necessary support, students can confidently navigate this process and set themselves up for success in high school and beyond.
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Determining Your Child’s Personality Type Understanding a child’s personality type is crucial in supporting their development, communication, and learning. Every child is unique, and recognising their individual traits can help parents and teachers nurture their strengths while addressing their challenges. By identifying personality types early, caregivers can tailor their approach to education, discipline, and social interactions, ensuring that children feel understood and supported. In South Africa, where diverse cultural influences shape upbringing and education, recognising personality differences can be especially beneficial in creating inclusive learning environments. What is a Personality Type? A personality type refers to a set of behavioural traits and characteristics that shape how individuals interact with the world. Various theories categorise personality into different types; one of the most widely recognised is Carl Jung’s theory, which forms the basis for the popular Myers-Briggs Type Indicator (MBTI) (Brown, 2018). While adult personality assessments are well-developed, children’s personalities emerge gradually, influenced by genetic factors, environmental experiences, and social interactions (Smith & Taylor, 2020). In South Africa, many schools incorporate personality-based learning approaches to accommodate diverse student needs, particularly in environments that embrace multiple languages and cultural backgrounds. Signs of Different Personality Types in Children Children display unique behaviours that can indicate their personality type. Some common personality distinctions include: Introverted vs Extroverted: Some children thrive in social settings and seek external stimulation, while others prefer solitude and engage in deep, independent thinking (Johnson, 2019). Logical vs Emotional: Certain children make decisions based on logic and rules, whereas others are more intuitive and empathetic, often prioritising emotions in their interactions (Morris, 2017). This is evident in South African schools, where subjects like Life Orientation encourage both structured reasoning and emotional intelligence. Structured vs Flexible: Organised children prefer routine and predictability, while flexible children adapt easily to new situations and enjoy spontaneity (Lee & Patterson, 2021). In South Africa’s evolving educational landscape, schools that incorporate inquiry-based learning, such as Crawford International, ensure that both structured and adaptable students thrive. Methods for Determining Personality Types Identifying a child’s personality type requires observation, reflection, and sometimes professional assessment. Some effective methods include: Parental and Teacher Observation: Watching how a child reacts in different settings can provide clues about their personality. Do they prefer solitary play or social interactions? Do they follow rules meticulously or question authority? (Williams, 2022). Personality Questionnaires: While formal tests like the MBTI are often used for adults, child-friendly personality assessments can help identify dominant traits (Harris & Clarke, 2019). Many private schools use such assessments to tailor learning strategies to individual students. Educational and Psychological Assessments: In cases where personality influences learning challenges, professionals may conduct in-depth evaluations to guide support strategies (Naidoo, 2021). How Child Personality Influences Learning Styles Personality plays a significant role in how children engage with education. Some key influences include: Introverted learners may excel in individual tasks but struggle with classroom participation. Teachers can support them by allowing alternative ways to express knowledge, such as written reflections (Peters, 2020). Extroverted learners benefit from interactive and discussion-based learning but may need guidance in focusing on independent tasks (Clarkson, 2018). Logical thinkers often excel in structured subjects like Mathematics but may need encouragement to explore creative expression (Ngcobo, 2019). Emotionally driven children engage deeply with literature and arts but may require help developing analytical skills (Mthembu, 2020). In South Africa, the integration of digital education tools, such as those used at Crawford International, allows teachers to personalise learning experiences, ensuring that different personality types receive the support they need. Parenting Strategies Tailored to Different Personality Types Understanding a child’s personality type can guide parenting techniques. Some strategies include: For introverted children : Create a calm, quiet space for them to recharge after social interactions. Encourage deep conversations rather than forcing group activities (Miller, 2019). For extroverted children : Provide opportunities for social engagement, such as playdates and extracurricular activities, to help them thrive (Singh, 2021). For logical thinkers : Encourage structured activities like puzzles and problem-solving games while also exposing them to creative outlets (Jansen, 2018). For emotionally driven children : Validate their feelings and teach them emotional regulation strategies to balance empathy with resilience (Patel, 2020). South African families often embrace a communal parenting approach, where extended relatives contribute to a child’s upbringing. Recognising personality types within this cultural framework can help caregivers provide consistent and effective support across different environments. Recognising and understanding a child’s personality type is essential for fostering their academic and social development. By observing behaviours, using assessments, and tailoring teaching and parenting strategies, caregivers can help children navigate their strengths and challenges. In South Africa, where education is shaped by diverse cultural and social influences, a personalised approach to learning ensures that every child can thrive.
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