Response-Able Parent Newsletter #77

October 9, 2008

Welcome! This is a free newsletter on becoming a Response-Able parent raising Response-Able children.

Mission Statement

Our mission is to strengthen families and improve parent communication skills (including our own) by helping parents learn practical, usable verbal strategies for raising responsible, caring, confident children.

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In This Issue

1.  Quote

2.  Spirit Whisperer Contemplation
3.  Bumper Sticker
4.  Article: The 10 Best/10 Worst Things You Can Say to Your Children about Money
5.  We Get E-mail

1. Quote

"Having children makes you no more a parent than having a piano makes you a pianist."

Michael Levine

2. Spirit Whisperer Contemplation

Today, choose to be the parent you always wanted to be. Don't think about it. Don't analyze it. Just be it.

3. Bumper Sticker

Noticed on a red Dodge Ram Charger in Omaha, NE:


If You Met My Family

You'd Understand.


4. Article: Money Talk: The 10 Best/10 Worst Things You Can Say to Your Children about Money

Thomas Haller and Chick Moorman


Home foreclosures, rising gas prices, increased unemployment, stock market instability, skyrocketing health-care costs, businesses downsizing, education budget cuts, and the failures of mortgage companies dominate the news. Many families are feeling the pinch and more than a degree of fear about money.


So how do aware parents talk to their children about the family financial situation and money problems they may be experiencing? Many parents do not know how, do not want to, or lack the communication skills necessary to talk to their children about money in general. So when a money crisis develops, the potential to pass fearful and negative attitudes toward money to the next generation increases.


How effective are you at talking about money? What words do you use when you talk about money in front of or directly to your children? Below you will find a list of the ten best/ten worst things you can say to your children about money. Use it to gauge your money talk skill level.


10 Best


1.      "It's allowance time. Everybody get your envelopes!" One of the main reasons for having allowances is to teach children about budgeting. The envelope system will help you do that. Children are concrete thinkers, meaning that if it is not in their hands, it is not in their minds. Envelopes will help you make the teaching of budgeting a concrete process. Label envelopes with several budget areas, including savings, investment, charity, and spending. Children can divide their own allowance by placing the amount of money they choose in the appropriate envelopes.


2.      "I'm willing to pay part of it." This phrase is useful when your child wants something that exceeds the amount you have earmarked in your budget. If you have 80 dollars set aside for sneakers and he or she wants a pair that costs over 100 dollars, this sentence defines your limit. It also invites the child to take responsibility for coming up with the difference. It curbs feelings of entitlement and allows children to take ownership for achieving their desires. In addition, if some of their money is invested in the article they are more likely to take care of it.


3.      "Did you bring any of your money?" This money talk question is helpful for those situations where children ask impulsively for things while you are shopping. It helps them to see that they need to use forethought in the money purchases they make.


4.      "The car needs to be washed. What do you think that's worth?" The purpose of a child's allowance is to help him or her learn how to spend, save, and use money. If your child wants or feels he or she needs more money than the allowance provides, there are additional ways to get it. Doing out-of-the-ordinary jobs around the house, over and above their normal chores, is one way for your children to earn additional income. This will help them internalize the concept that if they want more they can work more.


5.      "Help me figure out the tip." This type of money talk helps children in several ways. In addition to providing a real-life opportunity to use basic math skills, it makes them aware of the cost of the meal so they can appreciate what is being provided for them. Learning about tipping also gives children the message that appreciation of service provided is customarily expressed in the form of a tip.


6.      "Oh, I think you gave me the wrong change." Allow your children to overhear you telling cashiers or waiters when the change is incorrect. If you were shortchanged, it models sticking up for yourself. If you received too much change, your words demonstrate honesty and communicate integrity around money.


7.      "Our charity jar is almost full. What should we do with the money this time?" Teach the charity habit by contributing to a charity jar regularly at allowance time. Set a goal as a family regarding how much you want to accumulate during a specific time frame. Watch as the jar fills up with the individual family contributions. Decide together where to donate the money. Give your children opportunities to have input on this important decision.


8.      "Wow! I found a quarter. The money just keeps on coming." Money comes to us in a variety of ways and in unexpected times and places. Finding a coin on the ground is a sign that the universe is continually active in providing money for those who are open to receiving it. Stay open and allow the Attraction Principle to bring you money even in the smallest of ways. It is a sign that more it is on the way. Express your appreciation for what you receive verbally so that your children can hear your gratefulness.


9.      "Bummer. Sounds like you have a money problem. What can you do about it?" This piece of money talk communicates to children that the current money problem they face is their problem. It informs them that you will be the supportive listener, but not a rescuer. With this style of language you also remind yourself that there are times when allowing children to experience the consequences of their actions and choices is the best way for them to learn.


10.  "You don't have to wait until you're a grown-up." Children can make money, own a business, save money, invest in the stock market, and give to charities. Money is not just for adults. It is for anyone who has parents who are willing to help their children become financially literate.



10 Worst

1.      "Don't worry about the money. That's my job." We certainly don't want children worrying about the family finances. We also don't want to keep them in the dark about where money comes from and how it is spent in the family. Let your children in on the family budget and what it actually takes to provide for the family. Help them develop money skills without creating undue worry.  


2.      "I'll give you a little extra this time. You can owe it to me." With this statement you have just become your child's first credit card and lending institution. You are instilling in your child the feeling that he or she can get whatever they want whenever they want it, whether they have the money to do that or not. Instead of beginning the credit card habit, teach children how to slow their spending by saying “no” to desires until their own money is sufficient.  


3.      "You can't afford it." Stop making money decisions for your children. Help them see how much something costs and figure out how much money they have. Let them determine if they are willing to work to make up the difference. Give them the facts and the freedom to make financial decisions for themselves. If not now, when?


4.      "That'll be a waste of your money." Maybe and maybe not. Even if you are correct in your assessment of the worth of the purchase from the  viewpoint of monetary value, you might be missing the value inherent in the lesson learned from making the purchase. What if this “waste of money” ends up teaching an important lesson about making an impulse purchase or about how to examine the quality of an item more accurately next time? Is that a waste of money?


5.      "Be careful or you'll spend it all too soon." There may be a powerful lesson learned when children spend their money all at once. As a parent, allow these opportunities to happen and then use them as teaching moments. Shame, ridicule, and "I told you so" are not appropriate here. Better to have your children learn this lesson now rather than later as an adult when the consequences are more expensive.


6.      "Money doesn't grow on trees." Money does grow on trees. We call it apples, oranges, cherries, pears, and lumber. Lots of livelihoods are maintained in these industries. "Money doesn't grow on trees" is a sarcastic way of saying, "I am not an unlimited supply of money for you." Skip the sarcasm and tell your children directly, "You will have to use your own money or find a way to earn more. I know you can handle it."


7.      "Do you think I'm a money magnet?" This is another sign that you are being sarcastic in your communication style. Actually, you are a money magnet—attracting or repelling money with the beliefs, thoughts, and emotions you generate around money issues. Focus on lack and you experience greater lack. Focus on abundance and you attract more abundance. Why not teach your children how to be their own money magnets? You are the primary example to them of how to behave like a money magnet. If you think, believe, and act as if you are not a money magnet, you are teaching your children that they cannot be money magnets either.


8.      "We'll see." This is a frequent response that parents give to the question, "Can I have this?" It is often spoken by a parent who is afraid to say NO and leads to whining and pestering. Treat your child’s question, "Can I have this?", as a lead-in for you to open the discussion about what it takes to get the item in question. Use it to help your children explore their role in the purchase of the item. Help them explore possibilities.


9.      "They're filthy rich." When you talk about money or rich people as dirty, you perpetuate the myth that money is the root of all evil. Talking about money in this way creates a negative view of money in your child's mind. In reality, money is a form of energy that enables us to have, create, exchange, and give. Some people may use it for negative outcomes. Most do not. Money itself is neither good nor bad. How people use it is what gives money its value. Focus on teaching your children how to use money for the betterment of the world.


10.   "I'll pay for it this time, but if it happens again you'll have to pay for it yourself." This is a signal that you are rescuing and that you are overfunctioning as a parent. If your child breaks a window, gets a speeding ticket, or fails to return library books for a month, let them experience the financial consequences. You are doing them no favor by teaching them that someone else will always be there to bail them out.  

Thomas Haller and Chick Moorman are the authors of Teaching the Attraction Principle to Children: Practical Strategies for Parents and Teachers to Help Children Manifest a Better World. They are two of the world's foremost authorities on raising responsible, caring, confident children. They publish a free monthly e-zine for parents. To sign up for it or to obtain more information about how they can help you or your group meet your parenting needs, visit their website today:

Teaching the Attraction Principle to Children


5. We Get E-mail

Hello Thomas and Chick,


I have a four-year-old son who doesn't listen to me. How do I get him to listen and respond?


Frustrated Mom in Utah


Hello Frustrated Mom,


With a four-year-old it's important that you get his attention before you start talking. Young children live in the moment and are fully immersed in what they are doing.


To you, your message is important. To him, your message is an intrusion into what he is currently doing. Remaining unconscious of your verbal message is a tactic that helps him avoid dealing with the situation. If he doesn't hear it, he won't have to respond. So it is in his best interest to remain unconscious of your requests.


The first step in dealing with this situation is to get him conscious. Address him by name. It is helpful to get down on his level. Sit on the floor facing him directly when you desire his attention. If you don’t enter his world, he won't enter yours. Get eye contact before you begin speaking. When he looks at you, tell him your message.


Best wishes,


Thomas Haller and Chick Moorman

Featured Parent Program

How to Parent Like No One Else So Your Child Can Grow Up to Be Like No One Else With Thomas Haller or Chick Moorman

This session will help you to become an uncommon parent in a common world. You will learn to talk like no one else, discipline like no one else, love like no one else, and commit to your children like no one else. You will learn to become the parent you always wanted to be. The program is practical and skill-oriented.

Haller and Moorman are now booking fall and winter programs at affordable rates. Call today to arrange for a date for your school, church, or organization.

Thomas Haller

Chick Moorman

Featured Video Clip Opportunity

How to Handle Kids When They Beg


See Thomas Haller live in a three-minute video clip, How to Handle Kids When They Beg. Learn how to handle the "buy me" demand. Hear how to give the behavior a name and refocus your child from wanting something now to learning how to go about getting it.


As the chief parenting correspondent for NBC 25, Thomas regularly records parenting tips, helpful reminders, and insightful perceptions. This is your opportunity to see Thomas Haller in action and invest three minutes in learning how to raise responsible, caring, conscious children.

Quick Quiz

How many American kids are living in poverty? Which answer do you think is correct?

13 million
2.      Enough to fill 13 football stadiums seating more than 65,000 youngsters each.
3.      Eighteen percent of children 18 and younger.


Correct answer: All of the above.

Perhaps it is time to stop looking at schools with blame for not taking care of our children and turn our eyes in another direction.

In 2007, the number of children living in poverty increased by 500,000 over the previous year. These statistics, provided by the U.S. Census Bureau, are likely to increase dramatically next year when the statistics reflect the 2008 economic downturn.

Featured Product

The Only Three Discipline Strategies You Will Ever Need: Essential Tools for Busy Parents by Chick Moorman and Thomas Haller

Soft-cover 120-page book ($14.95)

Finally, a book that cares as much about your children as you do...

The successful parenting workshops, trainings, and seminars led by Chick Moorman and Thomas Haller and the incredible success of the Parent Talk System have garnered worldwide attention and praise from mothers, fathers, grandparents, and professional educators for only one reason. This stuff works. It gets the kind of results parents are looking for.

Finally, a book that delivers practical discipline techniques for busy parents...

The three practical, skill-based strategies presented in this useful book will help you to:

• Eliminate whining, back talk, and procrastination.
• Gain cooperation without nagging or yelling.
• Hold children accountable without wounding their spirit.
• Communicate anger in a respectful way.
• Design consequences that are reasonable, respectful, and related to the misbehavior.
• Become the parent you always wanted to be.

These three amazingly simple strategies are verbal skills that will work with your children. Appropriate for use with tots to teens!


Coming Attraction

Reese and Parker Haller are putting the finishing touches on a new book. No, it is not a new Fred the Mouse book. No, we are not going to tell you the name of it. But we will give you some hints.

  1. It is by kids and for kids.
  2. It is appropriate for all middle-school-age children.
  3. It will help them succeed in school and in life.
  4. Readers will gain interpersonal skills, develop self-responsibility, and stay safe.
  5. It is coming in time for the December gift-giving season.
  6. It will blow your mind and increase your expectations of what your children can accomplish.
  7. It is the greatest dinner-table conversation piece ever created by children for children.

Stay tuned for the prepublication special offer.


Oct. 16 - Kalamazoo, MI

Parent Like No One Else So Your Children Can Grow Up To Be Like No One Else presented by Chick Moorman, 7:00 pm - 9:00 pm. Kalamazoo Montessori, Unity Church. Contact Pam Boudreau


Oct. 22 - Shanty Creek, MI

Conference Keynote presented by Chick Moorman, 9:00 am - 11:30 am and 1:30 pm - 2:30 pm. MACAE, Shanty Creek Conference Center. Contact John Zappala at 517-349-2202 or email

Chick Moorman

Contact Chick at 877-360-1477 (toll-free) or e-mail him at


Thomas Haller

Contact Thomas at 989-686-5356 or e-mail him at




Personal Power Press
P.O. Box 547
Merrill, MI 48637



Copyright 2008 Chick Moorman Seminars and Thomas Haller Seminars, all rights reserved. Share this with your circle.


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