As parents debate the challenges of sending their children back to school for the first term, MOSES TALEMWA has been asking them what it takes to keep the students motivated to stay for the rest of the term.
When James Mutebi (not his real name) joined senior one, two years ago, it was the first time he was going away from home to boarding school. Unknown to him, his parents agonised over many of the things they would give him.
Apart from his hefty tuition fees, his parents were unsure how much to give him as pocket money; funds Mutebi would spend on things, personal to him.
“Later, I learned that they were worried that I would not be able to handle a lot of money,” he recalls. “But they gave me Shs 100,000 with repeated warnings to spend the money on only important things.”
However, Mutebi admits it was also a major eye-opener for him and he was at loss as to what to do with the money.
“Once at school, I couldn’t sleep, as I worried that someone would steal my money and cause me problems,” he recalls. “Only later, did I realise that I could store some of the money with the bursar and withdraw what I needed from time to time.”
This week, when he returned to school, his parents parted with Shs 250,000 as pocket money. Mutebi’s parents are not the only ones who are concerned about the challenge of how much to give their children as pocket money.
WHY POCKET MONEY
Most parents admit that they find it necessary to provide pocket money after giving their children the basic school necessities such as soap, eats, toothpaste and shoe polish, to cater for any emergency expenditure that may arise.
These parents argue that the practice may be used to teach children valuable life skills, such as budgeting wisely and living within their means, as Ayub Kalema Golooba, a teacher at Mengo SS, explains.
“Parents should help their children identify their priorities at school and budget around those, and should they later complain when they run out of money, they should be made to understand that such situations could be avoided with better budgeting,” he says.
TOO MUCH, TOO LITTLE
Many parents tell us they give to their children between Shs 180,000 and Shs 300,000 as pocket money. However, some insisted that they can go as low as Shs 100,000. But one parent at Seeta SS, who declined to be named, said he spends up to Shs 350,000 per term on his daughter.
“I give her more than her brothers, who get Shs 250,000 each, because I’m convinced that if I don’t take care of my daughter, some man will … and I won’t like it; so, I don’t take chances,” said this parent.
A parent who only identifies himself as Tumubweine gives his son Shs 200,000 per term at Namilyango College.
“I rationalise it as Shs 2,000 per day for three months [90 days], plus an emergency of Shs 20,000,” he explains.
But another parent, whose daughter is studying at Stella Maris Nsuube, believes Shs 150,000 is sufficient.
“The sisters give them everything including meals, and yet I have also catered for most of their basic needs,” she says.
Golooba explains that the amount spent on pocket money depends on the wealth of the parent, as well as the kind of school where the student is.
“If you send your child to a school favoured by elites such as state bureaucrats and businessmen, you have to be prepared to spend a lot as pocket money,” he said. “Those who attend upcountry schools that are favoured by the less well-to-do can get away with less pocket money.”
However, he warned that if parents lose sight of this issue, they can create a problem. “Either the child will develop negative attitudes towards colleagues, resort to criminality to survive or other means,” Golooba explained.
INSTALLMENTS
Some parents have devised a mode of payment that makes it easier for them to raise the monies, but also convenient to manage the money. Stella Nampeewo, who has a son at St Henry’s College Kitovu in Masaka, disburses the money in three instalments to make it easy for her son.
“I give him some money to take him up to visitation day [usually a month after the start of the term], then I give him [on visitation day]some more when I see him and send the last instalment a week to the end of the term,” Nampeewo said. “That way, it is easier for both of us. Unless you control him, he can spend or lose all the money before the end of the term. As for me, it is a lot of money to give him at once.”
Her strategy is followed by a myriad of parents, who see it as too early to trust their children with what they see as large sums of money.
But Tina Musuya, executive director at the Centre for Domestic Violence Prevention (Cedovip), argues that this is the wrong strategy.
“As these children develop, we need to inculcate values that will stay with them for life, such as saving money for a rainy day as well as planning for an achievement later in life.”
Her views are shared by the Australian parenting website, Raising Children, which advises, “as long as your child understands how much he’ll get (and how often), he can start learning how to use the money well”.
The website further advises that, “pocket money is one of the first ways children can learn the basics of managing money. But how much pocket money you give, when you give it, and whether you give it at all depends on your family circumstances and values”.
“When children get pocket money, they have to make choices about spending or saving it. And if they are saving up, they have to learn about waiting for things they want,” the website advises.
“Pocket money can also help children learn about the consequences of losing money, giving money away and even gambling. Letting your children make a few mistakes is also part of the learning process.”
SMART INNOVATIONS
But not all parents are convinced that their children are ready to handle money. So, some parents are excited about a smart application dubbed LipaMobile, which uses plastic smart cards to make transactions.
Parents no longer need to give hard cash to their children. Instead they send money to the card by dialling *270*77# on their phones. After this they are able to monitor purchases made by the child through a text message sent after every transaction at the canteen.
With these transaction cards, no one can steal and use it unless you have its secret code. The cards also bear the photographs of the owners; so, we also utilise them as school identity cards.
Each card costs Shs 20,000 and a student can use it for up to six years. If a student decides to leave the school to join another that does not have the system, a parent can be able to withdraw all the savings on the card at the school premises.
OTHER USES
The card is also being developed to embrace other uses. One of these is as a means of registering entry and exit into the school premises. As a gate pass, a student swipes their card at the gate and this sends a message to the parent, indicating that the student has checked out at a particular time.
Parents can be able to determine the time it will take their children to reach home. By doing this, the cards control some errant children that would meander around the city and reach home late or after some time.”
Laban Jemba, the CEO of LipaMobile, explained that some 15 schools use the smart cards and 23 more have registered to get started.
“Digital migration is an irreversible trend and the way to go. By students not having cash at hand, it is not easy to lure them into indiscipline actions that involve money like buying alcohol and marijuana, among others, since they need a swipe machine to withdraw money,” Jemba said.
Some of the schools that are actively using the system are Baptist High School, Zzana, Trinity College Nabbingo, Irma Pfeiffer SS and teachers at King's College Budo.
Schools that have registered to start using the application this year include Uganda Martyrs SS Namugongo, Kawempe Muslim Secondary School, St Lawrence School Ssonde, Viva College Jinja, Trinity Academy, St Augustine College Wakiso, and Mt St Henry’s High School in Mukono.
According to Jemba, parents are also able to obtain students’ academic reports, disciplinary reports, school announcements, class attendance, among others using LipaMobile application to their mobile phones.
“While students can easily get pocket money on their card, a parent can also set spending limits [the times a child can withdraw money] from the card,” he said.
NECESSITY OF POCKET MONEY
Anne Ampaire, a lecturer in child psychologist at Makerere University, believes that if it were possible to control the learning environment in secondary schools, where all necessities are provided, pocket money is not obligatory and many students can survive without this facilitation.
“There are utilities in place at school; so, I see no reason why parents should be stressed over not providing pocket money to their children,” he argues.
However, she concedes that there is always a need for pocket money since the need is biological and psychological. Ampaire advises that the amount of money allocated should correspond to the recipient’s level of education.
“If there is an opportunity to use a canteen, parents should make some pocket money available,” Ampaire says.
She explains that university students need more money to meet additional expenses while on campus.
“When one has money, it can help improve their concentration on studies, since they need to fit into the community, but if not handled well, it can cause problems if they have too much money.”
mtalemwa@observer.ug