Do you think it’s right to ‘borrow’ money from your kids accounts without their knowledge?
What if you put it back before they find out? What if they find out before you put it back?

If it was my money first, then I think it's perfectly fair. If it was money that they earned working an actual job, then I think I would ask if I could borrow $20. Dear God I hope I never have to ask my kids for money :rofl I think it's ugly to be deceptive though...so dang I don't know. That's a bit tricky. I think maybe it would also depend on what the money was for...

I dunno...I have never touched my sons savings account. Even when/if I needed money. If we were starving, I couldnt buy grocerys, etc then maybe but it would be promptly put back. But otherwise no. I stay away from it. Its his money. Money from family, from us etc for special occasions and what not

I borrowed money from my daughter when she was 2. We had just gotten out of the Marine Corps, and NEEDED some money - I had been filling her piggy bank...I replaced it though within the month.

I wouldn't 'borrow' money from my kids now. I think when they are older (my daughter is 9, stepson is 15) it's their money, and they know they have it.

I feel like Becca, if I was the one putting it into their accounts then I wouldn't feel bad taking some out and replacing it. If it was when they were older though and were earing their own money I'd ask first.

My mom would need to borrow $20 here and there from me when I was in high school. I was making my own money but she always asked first or told me she had borrowed it and then paid me back right away. It never bothered me, after all she IS my mom and she gave me plenty!

My guys are 6 and 9 so if i need to borrow something it is birthday or toothfairy money. I don't feel gulity for a second. If it was in a bank account and they were older and had a job I would ask but not this young.

When I was in high school, I earned my own money, had a job, etc. My mom took $100 out of my account in order to pay for something for me that I wanted. She didn't inform me beforehand, but assumed that it was appropriate since it was essentially "my" expense. Had I known it would be coming out of my savings, I probably would not have agreed to the expense. I thought it was underhanded and she should have discussed it with me. I think that if your child is aware of their financial savings, then it's important to tell them. I guess it depends on the age and situation. If your kid is young, and it's like an emergency that you'll be able to repay with the next paycheck, then sure. I think that the risk you run is whether or not it gets replaced, no matter your good intentions.