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Most financial experts agree that the best way to teach kids to be a smart shopper is to actually let them TRY it.  They need to learn from their own successes and failures.  Since one of your biggest recurring expenses is your grocery budget, this is a great place to start. I think everyday finance lessons for teens is one of the most critical things you can do for your children!

Do you realize our teen is going to be doing their own grocery shopping for their own family in just a few short years?  That’s a scary thought if you haven’t taught them to be smart about shopping.  NOW is the time to start teaching them how to navigate a grocery store and be smart about their purchases.  They certainly aren’t going to learn these lessons from school or from their friends!

And if you think about it, if you help them to become a smart shopper, you could be saving them thousands of dollars.  I so wish my own Mom had passed this knowledge onto me.  But being a smart shopper was never a skill she possessed.  So I had to teach myself through trial and error over several decades.  That made it a very expensive skill to learn, and I’m still not great at being a smart shopper in a lot of ways.

The incentive for your son or daughter is that if they do well, they should get to use some of that money for things they want.  You might choose to let them keep all of it, or maybe just split it with them.  My son likes those Jones sodas, plus his favorite chips or a chocolate milkshake as a reward.  Plus, they’ll know this is an important skill they need.  You are making a point just by showing them some pointers and even though they’ll probably be a brat about it, kids really do appreciate these lessons in the end.

How to prepare for your teen’s first grocery shopping trip.

• Your first trip will be just having them watch you.  If they know they’ll be doing it on their own the next time, that will motivate them to pay attention.  You can show them how to navigate through the store efficiently, avoid the high-priced items and how to compare items and look at package sizing, how to select fruits and vegetables, how to handle meat safely, etc.
• Then prepare a fairly simple list for them to do along with a reasonable budget.  Remember you want this to be a positive experience for them so they can come out with a WIN.  Don’t make it too hard.
• You really need to hit the prices as close as you can.  Maybe only do 15-20 items at first, rather than a whole list.   If you aim too high, they will think it is a piece of cake.  If you aim too low and they might get discouraged at not having a very big incentive.
• Maybe help your teen come up with a recipe they might like to make.  Have them pick out the ingredients, prepare the meal and serve it to the family, but really show your appreciation for their efforts.  If you’ve been cooking their whole lives, they may have no idea how much effort it can take and how little our families appreciate the work.
• Be prepared to show a little flexibility and good humor. They are unique individuals, so they will definitely have a completely different style of shopping than you do. You may end up eating some mushy vegetables or bruised apples.  Or you might hear a few gripes from your husband if they switch the family to generic TP. Tell him to just grin and bear it.  Be sure to compliment your kids on the good choices they do make.

{Sidebar: I wrote a post a while back called the Fast Food Challenge where I shared that young adults from 18 to 25 spent about 49% more on fast food than other age groups.  Yikes!  These kids are literally EATING their disposable income on junk food and luxuries.  It’s cutting them short on paying bills, saving for a house, or building their savings.}

Why Your Teen Needs to Learn how to be a Smart Shopper

Now this might sound a little scary.  But I am suggesting that you throw your teen in the deep end a little bit.  You turn them loose in the store with a list, some money (cash if you’ve very brave), and a calculator.  Some women really freak out about this because they control the grocery budget with an iron fist.  But these are YOUR children and they NEED to learn these skills.  Ya gotta let ’em try even if it costs you a bit extra for the first few trips.  C’mon, you can do it…

This may test your shopping skills a bit because you have to estimate the costs pretty tight to your list.  Keep in mind that you are figuring the costs for a “regular” person who isn’t doing any coupons, price matching, or cost cutting.  Not what it would cost for an experienced shopper like you to buy these things.

The beauty of this program is that it gives them the opportunity to make a few fairly harmless mistakes.  They will learn this lesson in a powerful and hands-on way.

They’ll learn that meat marked “reduced for quick sale” doesn’t always work out well.  They’ll learn that generic canned vegetables and cereal don’t taste the same but are tolerable.  And they’ll understand why you get mad when they blow through a $5.00 box of cereal!

The Benefits of Teaching Your Teen Smart Grocery Shopping Habits

Because they have such a good incentive, they’ll have a vested interest in being a smart shopper and making good choices. They’ll learn how to make good decisions about food.  Maybe they’ll gain an appreciation of how much work their mother has gone through keep food on the table for them all these years. Like the commercial says – some things really are priceless.

Here are a few pointers that might help you avoid some problems. I suggest you do this for several weeks.  It takes a while to learn these lessons and both you and teens need to make a commitment to it.

Hearing your appreciation and positive comments are an important part of the program.  This will make them feel like they are making a valuable contribution to the family. They are.  And it will be heavenly to sit in the car and read a magazine while your little minions do the shopping? Hey, Moms need all the breaks they can get!

Here are some other posts you might enjoy:

How Your Divorce Affects Your Teen

4 Tips to Help Adult Kids Manage Their Money

Tips to Help your Future College Student

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My No BS Financial Freedom Framework

Personal Financial Planner

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Help to Start a Blog

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