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How young should kids start paying rent? Mom charges teenage son to have his own room.

Is he learning a lesson or getting taken advantage of?

via Alexander Grey/Unsplash and CottonBro Studio/Pexels

A mom counting her teenage son's rent money.

A single mother of 5, 4 boys and 1 girl, found herself in a bind. Her 16-year-old son was tired of sharing a room with his 14-year-old brother and wanted some privacy. The family lives in a 3-bedroom house, where mom gets a room and the youngest 3 siblings share one as well.

"Two months ago, my son and I were discussing his distaste for sharing a room with his brother and he said he'd drop out of school now if it meant he could move out into his own space," the mother wrote on Reddit's AITA forum. The teenager has a job and enough money to buy extras such as clothes, shoes and plenty of junk food.

"I told him I had looked at 4-bedroom rentals in our area, but they were just too expensive," the mom continued. "He asked if he could pay the difference if we did move. I told him no because during the school year all his money would be going to rent not his savings and his spending money. That obviously wouldn't sit right with me."

Eventually, the two came to a compromise. For $50 a month, he could have his mother's room. The mother would sleep on the pull-out couch and the other two rooms would be split among the other four siblings.

teen sleeping, rent, redditA teenage boy sleepingvia John-Mark Smith/Pexels

The mother is putting the money towards her Christmas fund, which will be used to pay for a summer trip after the holidays.

However, after talking to some of her friends, the mother began to have second thoughts about the arrangement. "They think I'm wrong for taking any amount of money from my kids, and a couple of them said I should have just given him the room without making him pay for it. They make some good points, and I don't totally disagree," she wrote.

So she asked the Reddit forum if she was in the wrong for charging her son.

mom, upset mom, mom on computerA distressed mom looks at her laptop.via Alexander Dummer/Pexels

The responses were pretty divided on the issue, but most thought the mother was right.

"There is a wild difference between charging your underage kids rent and accepting $50 a month (that is going back to the kids) so a growing teenager can have privacy. No other children are getting less, and no one is abused by any means. Not exactly an ideal solution, but tricky problems require unconventional solutions," one commenter wrote. "I like the life lesson you are imparting. For the people saying that it's so terrible that you are charging him rent, I don't see it that way. Your son wants his own room to which he is not entitled. He works, he earns his own money, and wants something which he values. You're making him do what all of us have to do to get the things we want in life: PAY FOR IT!"

However, a vocal group of people thought the mother was in the wrong, not for charging her teenage son, but for not giving the room to her daughter, who is 9 and shares a room with her 7-year-old brother.

mom, reddit, rentA young girl wearing a scarf.via Janko Ferlic/Pexels

"Why is she not the priority when it comes to having a separate bedroom or at least sharing with you? At 9, she is at an age where it may seem like she is okay sharing a room with her brothers but she probably isn't. Girls are starting puberty and becoming self-conscious of their bodies at that age. They shouldn't have to worry about sharing a bedroom with their brothers," a commenter wrote. "So your 9 yo daughter is sharing a room with her brother? It’s time to find a better solution for your family. Your daughter is of the age that she shouldn’t be sharing anymore with boys," another added.

Plenty of people also judged the mother for having 5 children in a 3-bedroom house, but since they don't know the story surrounding her family's circumstances, that critique should be off limits.

Ultimately, the commenters agreed that the mother is doing her best in a challenging circumstance. It has to be incredibly hard raising 5 children as a single parent. Keeping them all happy in such close quarters must constantly stress everyone. Further, it seems that the 16-year-old son has his own job and can’t wait to leave the house so that the tight situation will loosen up in a few years.

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Starting a money talk can be awkward. But these tips may make it easier.

Talking to your boss, partner, or child about money? We got you.

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TD Ameritrade

Talking about money is tricky business.

Think about it. Many of us share the most intimate details of our lives with friends and coworkers and even on social media. But money? That's still as taboo as it's ever been, and talking about it can get uncomfortable really quickly.

I know, right?! GIF via "Maleficent."

That doesn't change the fact, though, that there are important conversations many people need to have about money. Avoiding them can hurt our relationships and our financial health or those of our loved ones.

So where do you even start? And once you start, where do you go?

Whether you're cleaning the house, going to the gym, or asking someone out, no doubt the act of simply getting started can be a tough one. Just imagine having to do that with the money talk!

Luckily, we've gathered some helpful tips to get you started on three essential money conversations: with your boss, your partner, and your kids.

Tip #1: How to ask your boss for a raise

Help them help you. GIF via "The Office."

It may not seem super helpful, but the answer really is just ask (but be well-prepared, of course!).

Sounds easy enough. Yet for some reason, not many people do it. In a PayScale survey, 57% said they've never negotiated for a higher salary. We know it can be a scary thing to do, but you'll never know unless you ask, right?

Luckily, the numbers are in your favor. According to another survey by PayScale, 75% of workers who asked for a raise actually got one. Which is awesome, but don't forget to ask yourself an important question too: Why do you deserve the raise?

Once you answer that, you'll have an easier time getting the ball rolling and will be much more confident sealing the deal.

Tip #2: How to talk to your partner about money

Don't let it go here. GIF via "The Princess Bride."

The answer: honestly.

Clearly, this is a given. But when it comes to money, sometimes we need a reminder.

In a 2014 survey, one 1 in 3 adults admitted to committing financial infidelity on their partner. And that can manifest itself in a variety of ways — whether it's not being upfront about your spending habits, hiding your financial history, or just making secret purchases.

There's a reason money is the #1 cause of stress in a relationship, and arguments about money are a big predictor of divorce. But it doesn't have to be that way. By being honest at the onset and talking about money on a regular basis, couples can start a healthy dialogue that'll give everyone a much better grasp of how to deal with finances down the road.

Tip #3: How to teach your kids about money

This is clearly what NOT to do. GIF via "Black-ish."

The answer: WITH GAMES!

Money and math are rarely the most exciting topics for kids. And that's where playing games comes in! Susan Beacham, CEO of Money Savvy Generation, tells U.S. News, "Games become something you can use to open the discussion, so it's not always you preaching about money."

You can try a classic board game like Monopoly. Or download a fun educational app for them. Or even pretend to be a customer in your kid's make-believe store. The important thing is that kids learn the nuances of what's going on each step of the way, so that they become familiar with financial literacy early on.

It can be intimidating to talk about money, but there are ways to make it a little easier.

Taking that first step can be challenging, especially in this area, but having a plan of attack certainly eases the burden. Now that you have some starting points, the next step is to do just that — start!

Family

The 6 elements of an effective apology, as shown by one of the best apology songs ever.

Ever stumbled for a good way to say you're sorry?

Don't worry, science has your back. Researchers at Ohio State University recently broke an apology down into six basic components and asked over 700 people to rate which ones — and which combinations of them — were most effective.

Want to know what the six elements were?

No list is complete without examples, so let's take the catchiest apology ever — "Apology Song" by The Decemberists — as our test subject. (If you don't know the song, by the way, it's about apologizing to a friend after letting their bike, Madeleine, get stolen. You can listen to it here.)

1. First, an "expression of regret." In other words, say you're sorry.

Alas, poor Madeleine. Photo from iStock.

This is a simple one and maybe not as important as some of the other elements in this list, but it's remarkable how many times people try to apologize without, you know, apologizing.

So how do The Decemberists measure up? Pretty good. They nail this one right at the beginning of the song:

"I'm really sorry, Steven, / But your bicycle's been stolen."

Pretty good! But what's next?

2. An explanation of what went wrong.

I can't help but notice the conspicuous lack of bikes here, Colin. Photo from iStock.

It's a good idea to explain what happened. An explanation isn't an excuse, but it can help the aggrieved person understand the circumstances.

So, Decemberists?

"I meant her no harm / When I left her unlocked / Outside the Orange Street Food Farm. / I was just running in / Didn't think I'd be that long. / I came out, she was gone."

Takes them a little bit to get to it, but it's in there. Doing good so far!

3. An acknowledgment of responsibility: "It's my fault."

Photo from iStock.

OK, this is a biggie. And is actually one of the most important parts of an apology, according to the study. If something is your fault, admit it.

Let's check the lyrics:

"I was watching it for you / 'Til you came back in the fall. / I guess I didn't do such a good job after all."

That last part — "I didn't do such a good job" — that's the key. It was their fault, and they're willing to admit it. So far, they've been hitting all the right notes.

4. A declaration of repentance – "I won't let it happen again."

Like this times a thousand. Photo from iStock.

Showing that you've learned a lesson and are taking steps to make sure it won't happen again is another important point.

Unfortunately, it's one that The Decemberists miss in this song. If they wanted full marks, they should have explained how they were going to invest in some super-duper bike locks or a personal bike guard dog or something equally anti-theft.

In verse, of course.

5. This is another big one: offering to make it right.

I hope Madeleine 2 gets some sweet flame decals. Photo from iStock.

Ouch, another one The Decemberists missed, and it's a biggie — saying how you'll fix the problem.

So what could The Decemberists have done differently? Well, they do say:

"Where has she gone? / Well, I bet she's on the bottom of a Frenchtown pond."

This is the point where they should have sung about breaking out the scuba gear or draining the pond to get to poor Madeleine. (Ponds are apparently completely filled with bicycles anyways, if that canal proves anything.)

Or, you know, getting them a new bike. But scuba diving's more fun.

6. Lastly, a request for forgiveness.

Photo from iStock.

This is actually the least important part of the apology.

"That's the one you can leave out if you have to," said the study's lead author, Roy Lewicki, in a press release.

But it's always good to include it if you have time. And on this, The Decemberists nail it again:

"So I wrote you this song / In the hopes that you'd forgive me / Even though it was wrong / being so careless with a thing so great."

The most effective apologies contained all six elements, according to Lewicki, but admitting fault, offering a fix, and giving an explanation seemed to be the most important combination.

As to why those three were most important, the authors think it's because they most directly address the original violation of trust while the others are more ephemeral.

Remember, though, this isn't a cheat sheet. If you're not genuinely sorry, it means nothing. And even if you hit the high-score best apology of all time, the other person doesn't have to accept it. And that's OK.

So how did our band do? Altogether, The Decemberists get 4 out of 6. They left out two elements, but nailed some of the big ones. So I'd definitely accept that apology.

If you need to apologize and are stumbling for words, remember this:

"I'm sorry, it was my fault. Here's what happened. I won't let it happen again, and here's how I can make this right. Forgive me?"

Hopefully that'll help patch up any bike-related mishaps in your life.

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