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#ad I’ve tried just about everything to get my kids motivated to do their chores: checklists, weekly allowance, positive reinforcement, schedules. The allowance at the end of the week worked for a little while, but I started to find five and ten dollar bills around their room, and when they asked me for money, I would ask them where their allowance was, and they had no idea. It makes sense that today's generation of kids enjoys a digital view over the old sitting at the kitchen table, counting your money and rolling it to take it to the bank. So when I heard about Mydoh, a money management app and Smart Cash Card, I was excited to give it a try. Morgan and I work well when things are organized. The first thing I loved about Mydoh is how easy it is to set up the tasks. Morgan loves that he can check them off as he's completed them and that it reports to me right away. There's something about the "potential earnings'' heading at the top that really motivates him.

There are two ways to use Mydoh: Weekly Allowance or a task with a dollar value and which day of the week it needs to be completed. We are using the task option so that he can earn a partial allowance for the tasks that he's fulfilled. This summer, I gave him a little more freedom and let him go to the local convenience store with his friends, resulting in overspending his weekly allowance and asking me for money. I think it's important for the kids to know that we aren't a bank and we can't always give them money when they want it to spend at the store. Mydoh gives Morgan a clear idea of how much money he has, how much he's spent and encourages him to be cautious of his spending because he knows he only gets paid on Pay Day, which is every Saturday. I've been sticking to his payday firmly and not giving him extra money, and I'm proud of his developing spending habits.

The Smart Cash Card is a safe, secure way for him to make purchases with his friends, it notifies me immediately, and I can reply with an emoji. The Smart Cash Card can be used anywhere Visa is accepted. Mydoh offers a digital Smart Cash Card in the App on a mobile device as well, if you prefer. Mydoh is powered by RBC and available for everyone. You can try Mydoh for your first 30 days for free* Clients of RBC** can download and use the App for $2.99 per month. Those who don’t bank with RBC can still use the App, but there is a monthly charge of $4.99. You can cancel your Mydoh subscription at any time.

Another thing that I love about Mydoh is that it is appealing and engaging for kids. It has in-app educational trivia challenges called Mydoh Play. Your whole family can learn about the cost of living, budgeting, saving and investing, debt, economics, banking, psychology and lifestyle. I'm learning valuable information like why we buy what we buy and tips for avoiding impulse buying.

If you think Mydoh is something that you want to learn more about or try, download the app today.

* The 30-day free trial offer is activated on the date of completion of the Mydoh mobile app account registration process. After your free trial offer ends, a monthly subscription fee of $4.99 ($2.99 for RBC Clients) will be taken out of your Mydoh Wallet. You can cancel any time by contacting Mydoh. Mydoh reserves the right to cancel, modify or withdraw this offer at any time.

** RBC Client means an individual who holds at least one personal deposit account with Royal Bank of Canada (excluding saving accounts and US dollar accounts), or a personal RBC Royal Bank credit card.

MYDOH The Fun And Easy Way To Teach Kids About Financial Literacy