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Watch Nigeria > Blog > Financial Literacy > When Ought to Children Personal a Cell Cellphone?
Financial Literacy

When Ought to Children Personal a Cell Cellphone?

Last updated: January 5, 2026 8:37 pm
Terfa Ukende
5 days ago
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When Ought to Children Personal a Cell Cellphone?
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Contents
  • Need vs. Want
  • Know Your Plan
  • Know Your Little one
  • Pre-Paid Options

When Ought to Children Personal a Cell Cellphone?
I’ve no plans of permitting my son to have a cellular phone till he’s sufficiently old to drive. I simply don’t. A part of my aversion towards youngsters, tweens and younger teenagers carrying cell telephones stems from my years of educating and the truth that I would love to keep away from including one other distraction to my baby’s tutorial life.

I additionally fear concerning the monetary facet of cellular phone utilization. Babies are missing in each an revenue and an understanding that easy-to-make telephone calls and textual content messages price cash.

Nonetheless, I do know that issues could change within the subsequent few years, and it’s definitely doable that I’ll wish to give my peanut a cellular phone someday earlier than 2026. So listed below are some issues to think about as you might be fielding your baby’s day by day pleas for a cellular phone:

kids cell phonekids cell phoneNeed vs. Want

I threat courting myself by saying this, however nobody wanted a cellular phone once I was rising up. Nevertheless, at all times having some change on me meant that I may make a name from a payphone (keep in mind these?) if ever I wanted to achieve my mother and father.

In case your baby is begging you for a cellular phone, suppose arduous about whether or not or not that is actually a necessity. In case your baby carpools to high school and is mostly within the presence of an grownup all day, a cellular phone is just not obligatory for something apart from texting and having a social life. (And naturally, your baby most likely considers these obligatory for survival).

If your child walks to and from school or typically wants to attend for a journey house from an after college exercise, having a method of calling house gives you each a way of safety. (You will need to be aware, nonetheless, that protecting your baby always related by cell telephones doesn’t give her a chance to be taught self-reliance. This is without doubt one of the main arguments utilized by consultants who don’t approve of youngsters utilizing cell telephones.)

Know Your Plan

Ask any mum or dad concerning the first invoice they acquired after placing their baby on the cellular plan, and also you’ll doubtless hear a horror story of the several-hundred greenback cellular phone invoice. If you’re going to add your baby to your cellular phone plan, it pays to do your homework forward of time.

How much calling and texting (because, believe me, they will be texting) is included in the basic plan, and the way a lot it’ll price in case your baby blows move the pre-set limits? How a lot would it not price to go to an infinite plan? When is peak utilization?

Having the solutions to all of those questions might help you to keep away from a nasty shock on the finish of the month.

Know Your Little one

You already know your child higher than anybody else, so you might be in a singular place to resolve if he’s prepared for the accountability of a cellular phone. Does he have any impulse management, or will he compulsively examine for messages? Will he respect your limits or discover methods round them?

In terms of cell telephones, till your baby is eighteen and buying a plan for himself, you might be financially liable for his cell utilization. Should you shudder on the considered handing over your bank card to your baby, then it won’t make sense so as to add your son or daughter to your present cellular phone plan.

Pre-Paid Options

Should you don’t really feel that your baby is prepared for the accountability of an everyday cellular phone, think about shopping for a pre-paid telephone for her. These telephones cease working as soon as they attain the utilization restrict, however they are often reloaded with extra minutes.

Some may even be programmed to solely make calls to Mother and Dad or 911. This can be a nice resolution for fogeys of smaller youngsters or youngsters who nonetheless must show their accountability.

Offering your baby with a cellular phone is an enormous step, and it’s most likely a good suggestion to ask him to assist contribute to the price of its use. Learning now how to be responsible with a cell phone will give your child a leg up as soon as he’s out on his personal.

Tagged as: Kids and Money



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ByTerfa Ukende
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Terfa Ukende is a seasoned financial writer with over seven years of experience covering topics on finance, investment, and economic development. He began his writing career with NewsWay before joining Watch Nigeria, where he continues to educate readers on wealth building, market trends, and smart money management. He holds a Bachelor’s degree in Statistics and Computer Science, which strengthens his analytical approach to financial reporting and investment insights.
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