How can I explain my circumstances to a child?


Children sense more than we think. They do not need numbers – they need closeness, honesty, and security.

For example: "Sometimes adults have too little money. But you are safe. And you are important."


🧭  Your step today: Reflect on what your child may already have noticed:

 

  • "Dad is often tired."
  • "We are buying less right now."
  • "You ask why we are not traveling."

 

Say one sentence that is honest and loving:

 

  • "I have little money at the moment, but you are safe."
  • "I take care of things, even when some are difficult."
  • "You may ask – I am here."

 

And one sentence that gives hope:

 

  • "We will make the best of it – together."

🚫  What children do not need

 

Children do not need numbers, blame, or fear. They need you – honest, calm, and attentive.

 

What you may leave out:

 

  • Too many details
    "I have 12,000 euros of debt with three banks …"
    → Children do not understand this – and it only worries them unnecessarily.

  • Self‑devaluation
    "I am a failure."
    → Children sense this – and it unsettles them deeply.

  • Shifting responsibility onto the child
    "If you didn’t want so much …"
    → Children are not to blame – even if they ask many questions.

  • Hints that cause fear
    "I don’t know what will happen next …"
    → Children need hope, not open threats.

🌿  What children need instead

 

  • Clarity
    "Money is tight right now. But I am taking care of things."

  • Closeness
    "You may ask. I am here."

  • Dignity
    "Even when some things are hard – you are important."

Children do not need perfect parents – they need you, honest and attentive.



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