Financial “help” from a 3-year-old

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by Crystal on April 2, 2011

Earlier this week, I discovered my business debit card all cut up.

Upon investigation, Kaitlynn (3) confessed to the deed. However, as soon as she admitted she was the culprit she said matter-of-factly, “But I thought we were supposed to cut up credit cards!”

Sounds like we might have a Dave Ramsey Jr. living at our house! :)

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{ 58 comments }

Roanna April 2, 2011 at 10:55 pm

Guess it’s bad to have your debit card cut up, but at least she’s learning young! :) Too cute!!

Roanna April 2, 2011 at 10:55 pm

Oh, and I think you should submit your story to Dave Ramsey. He probably would find it cute. :)

Angie April 3, 2011 at 2:45 pm

She put this on DR’s facebook page. And someone on there said, “And how did a 3 year old end up with scissors”. I don’t think everyone on his page found it cute. And that person obviously doesn’t realize who Crystal is. ;)

Allison V. April 3, 2011 at 8:15 pm

That person must have never had a 3 year old. Because even if you put something up high, they will find a way.

Jen April 3, 2011 at 10:35 pm

Exactly – when they want scissors (or a Sharpie, or…), they will find them. At least once.

Kristine April 4, 2011 at 9:20 am

That’s what I was thinking. Once my three kids (all younger than five at the time) got into some poster paints that I had forgotten about, which were stored up high in a closet, and smeared them all over the carpet. Another time my daughter found some scissors and cut her own hair. Yes, kids will find a way. I’m sure that any parent who’s had a preschooler has had something similar happen. :)

Stephanie April 4, 2011 at 11:11 am

So true.

Danielle April 2, 2011 at 11:17 pm

Love her! I think you should include that in your book!

Barbara April 2, 2011 at 11:25 pm

You’re raising her right! Btw, beautiful dress and apron that she’s wearing! :-) PTL! :-)

Rhonda R. April 2, 2011 at 11:38 pm

Precious!

Lisa April 3, 2011 at 6:21 am

this had me cracking up all week. FUNNNYYY!!!

Jenna April 3, 2011 at 6:22 am

Oh my goodness that is so cute! And that little dress is adorable on her. :)

Home Jobs for Mom April 3, 2011 at 7:22 am

How cute! At least you know you’re raising a financially responsible adult. Congrats!

Heather April 3, 2011 at 7:42 am

Too cute!

Samantha April 3, 2011 at 7:45 am

As much as you want to get upset you have to stop and realize that this is one of those teachable moments you just have to utilize

Shannon April 3, 2011 at 8:28 am

Definitely send that in to Dave Ramsey!

Sandra Lee April 3, 2011 at 8:29 am

What a testimony to your parenting skills! Kaitlynn clearly has learned the lesson taught. Thanks for sharing such a sweet story.

Maryellen April 3, 2011 at 9:19 am

At least it wasn’t her hair she cut! — Don’t ask me why I say this:)

KimH April 3, 2011 at 1:11 pm

LOL Meee too..

Kristen April 3, 2011 at 2:04 pm

Yep, my 4 year old has long hair, past the middle of her back….and now she has some lovely short, side-swept bangs that she created for herself. Could have been much worse though :)

Norma April 3, 2011 at 6:47 pm

Oh how I have there. Imagine my shock when I went to get Abby and she came from under her bed with half her hair.
That is the day I learned that scissors get put up high. She was 2.
The lessons our children teach US

Melissa April 3, 2011 at 3:27 pm

Ha, also happened here…at least the debit card can be replaced quicker than hair!

Kristine April 3, 2011 at 6:37 pm

That’s happened at our house, too. :)

Davonne April 3, 2011 at 9:29 am

I know you’ve told us before, but please remind me where her apron came from – it is way too cute!

You are a great mom and this post made me laugh. Thank you for sharing! I can imagine the sweet sincerity behind her action =)

Heather April 4, 2011 at 12:21 pm
Jenni April 3, 2011 at 10:21 am

Really cute!

Jack April 3, 2011 at 12:07 pm

Such a cute story. Thanks for sharing. I can totally see my five year old doing and saying something similar.

Sarah Mae April 3, 2011 at 12:28 pm

She is adorable!

(And smart) :)

Clarissa April 3, 2011 at 12:59 pm

LOL. I hope she didn’t get in trouble. After all she is just following in mommy’s steps!

Wendy April 3, 2011 at 1:14 pm

She thought she was doing the right thing & helping… Y’all are doing a good job trying to instill sound financial training at such an early age! :)

Lizzy April 3, 2011 at 2:19 pm

I think it’s a gift when God helps me to see the humor in the daily mishaps with our children–there are mountains, and there are molehills.
Honestly, seeing the negative comment just made me aware of how often you must get unsolicited “advice’ in the blogging world, as this was clearly not a plea from you for opinion on what Kaitlyn did. Thank you for being brave enough to share your heart and wisdom–in all realms–with us here. You are a blessing Crystal–and your family!

Marie April 3, 2011 at 2:38 pm

:)

Kathy April 3, 2011 at 2:41 pm

I agree completely. Thanks for sharing things like this.

kirk forney@anichemarketingoncrack April 3, 2011 at 2:39 pm

Great story and very true in these trying and tough economic times!

Maria April 3, 2011 at 3:00 pm

I got a kick out of this story! Teach ‘em young! :)

Brandy April 3, 2011 at 3:18 pm

And I guess I should add that just because you find grace in your heart and understand the reason for the behavior doesn’t mean there still isn’t a consequence for it. There just may be a different kind consequence.

If I had told my son to not clean anything in the bathroom with shampoo and he did it anyway (even if trying to be helpful) his consequence would have been different than the one he received…which was just to help me rinse the bubbles out of the tub and wipe up the floor. Sometimes, we assume that children know some of the rules without being told. Sure, I only ever use shampoo to wash hair, but I don’t think I’d ever really discussed shampoo being ONLY for hair before…he just knew it cleaned.

Allison V. April 3, 2011 at 8:19 pm

Aww, I have a love/hate relationship with those moments; I mean, they’re so sweet, but so aggravating! I have three small children and it’s so hard to stay sane when they are too little to know better, but they’re always up to something!

Kelley April 3, 2011 at 3:35 pm

She is just too dang cute! AND I think I need to borrow her…please…I have a few cards I need to cut up and just can’t bring myself to do it. :)

Karen April 3, 2011 at 3:46 pm

I love the sweet innocence of a 3 year old! I have twin 3 year old boys, and today during the service (we keep our children in the service with us), one of my sons was holding his quarter and penny. When my husband asked him if he was going to put the money in his jar at home, Tyler looked at him and said matter-of-factly, “No, Daddy! God’s money first, then the jar’s money!” then put both coins into the offering plate. (He then asked my husband for a quarter for his jar at home…we’re still working on earning his money rather than just asking for it! :) )

Samantha April 3, 2011 at 3:54 pm

I think its adorable! I see the other womens point of view, but seriously, she is 3!

Cute outfit too! =]

Rebecca April 3, 2011 at 3:57 pm

I LOVE Kaitlynn’s dress! Did you make it? Buy it??
Thank you!!

Challice April 3, 2011 at 3:59 pm

That is too funny. Naughty sure, but so funny! :)

Ana April 3, 2011 at 4:36 pm

I have 3 kids and I know very well how naughty they can be. Kids takes things by the actual words, literary . One example is my youngest daughter, she was 6 at the time. She was helping me bake a cake, I asked her to get me a stick of butter. She took a bamboo barbecue stick, broke in half and dipped in the butter tub and handed over to me, to add to the bowl. Now you can see how kids see things. She still very cute and I don’t blame her for cutting the card. If we don’t make mistakes we will never learn from it. She is listening to her parents device for sure.

Samantha April 3, 2011 at 6:00 pm

Ana, that’s a funny story, and so true! My SIL posted on facebook that while her 4 year-old son was helping her make a marble cake, he asked her how she was going to make the cake into marbles. Too funny how little ones take things! Oh and Crystal, I could see my 3 year-old daughter doing something just like this, and being completely sincere about her intent to “help”. Good thing she didn’t cut any of her little fingers though :) Little stinker!

Autumn April 3, 2011 at 5:49 pm

Too funny. She’s such a cutie! Cracking me up right now! I agree that the kiddos’ should be included in a book if not already. Lol

janice April 3, 2011 at 6:10 pm

Crystal..Thanks for sharing your sweet story about your daughter..Even though I’m a grandma now, I enjoy hearing about you & your family..You are an inspiration on this website..Keep on sharing, with all your positive attitudes in this Life..

Amy f;) April 3, 2011 at 6:14 pm

lol:)

Heather April 3, 2011 at 9:02 pm

I love it. My husband and I laughed out loud on this one. As avid Dave Ramsey followers we can appreciate this.

Angela April 3, 2011 at 11:39 pm

That’s hilarious…and a little scarey. I have a niece who was obsessed with scissors at that age, only it was always her hair that she cut. She spent most of her pre-k years with some funky hair cuts. At least you have that to be thankful for…lol. Put those scissors UP!!!

Diana April 4, 2011 at 7:49 am

Too funny! This made me laugh this morning :)

Dineen April 4, 2011 at 8:07 am

I am sincerely impressed with your daughter’s hand strength at age 3. Cutting through the heavy plastic with ANY scissors is hard work. Scisscor skills in a preschooler can be frustrating to learn, even if so fascinating and tempting a grown-up task to given.

(Yet another rainbow/silver lining in this raincloud.)

Crystal April 4, 2011 at 8:45 am

I know, I was quite impressed (or maybe concerned?), too! Especially considering she did this with kid’s scissors. Apparently, kid’s scissors are not as “safe” as I thought!

Roxanne April 4, 2011 at 10:13 am

MY 3 year old cut his hair with round tipped kid scissors last week. His hair was already a short boy cut, but he got down to skin on several spots at the back of his head.

???? I don’t think I could have gotten that close with those scissors!!

karla April 4, 2011 at 1:59 pm

My son did the same thing when he was 5! He also had a short boy cut and got down to skin. At least his hair grows fast :)

Aryn April 4, 2011 at 1:52 pm

Wow. That takes determination. I put them through the shredder because I’m too lazy to cut them up with my big-girl scissors.

Dineen April 5, 2011 at 7:46 am

Kids scissors have to be sharp to cut so that they have a good learning experience. Imagine trying to learn if all they did was bend and tear paper rather than cut. How frustrating! What makes them children’s is the size for their hands and usually blunt tips. Rarely do I see the “only will cut paper” kind that I had as a kid.

My little one tried to cut the whiskers off her stuffed Scottish terrier yesterday. Unfortunately the cat had knocked them off the high shelf where they had been put. (He’s been getting where HE doesn’t belong lately.)

Chelsea April 4, 2011 at 9:15 am

I shared this with my husband and we both died laughing.

Pam April 4, 2011 at 12:31 pm

My 4yrold son put my debit in the shredder (:

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