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Finances & Money

Curb that Cussing with a Swear Jar!

July 5, 2006
By Cleverdude
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$25.99 Cuss Word Piggy Bank at Amazon 

 

Having trouble keeping your tongue in check? In our home, we’ve found that a great way to reduce swearing from both our own mouths as well as guests’ is to introduce a “Swear Jar”. We know it’s not an original idea as we’ve seen pre-made swear jars in Hallmark stores, but it’s worked well for us. However, it will only help you if you keep each other in check and enforce the rules on each other no matter what the situation. Here is our charge structure:

  • G.D. word (you know what it is): $10
  • F*: $5
  • Other cuss words: $0.50

Some rules to help make this approach successful:

  1. If you catch your spouse swearing, make sure they pay up. The same goes for you too! Hold each other accountable, or else this will fail.
  2. Make sure you inform your guests of your rules early enough. We give the guest the benefit of the doubt until they slip one time. Then we tell them the rules and make them pay for any subsequent cussing. However, with some of our friends and family members, we tell them up front since they’re blatant cussers.
  3. Extend the rules to all of your property (house, yard, vehicles). It helps your friends to understand and respect your desire to be cuss-free.
  4. It’s your choice what to include as swearing, but we go with the standard 4-letter words, even h**l and d**n.
  5. We do not allow prepaying to the swear jar, and no one gets to swear for free. Even our grandmothers and great aunts must pay (as evidenced recently during a trip from said relatives).
  6. We donate everything from the swear jar to charity. Recently, we donated $50 from the swear jar to a small, local charity through our church, and the charity was quite excited to receive that large of a check (even though it seemed small in our eyes).

Again, the key to success with your swear jar is holding each other accountable and informing your friends and family members in advance or soon after committing their first “violation”. Don’t let their sneers and chuckles dissuade your efforts. Good luck!

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About Cleverdude

Mike founded CleverDude.com in June 2006 while working as a technical analyst in the Washington, D.C. area. A Penn State graduate, he built the site as a side project alongside a white-collar career that included earning a master’s degree and multiple promotions.

In five years he wrote nearly 1,300 articles on personal finance and life lessons drawn from his own experience. The blog grew from a hobby into a recognized early voice in the personal-finance community and generated meaningful revenue. He sold the site in 2010, continued as a guest contributor through 2015, and returned in 2023 after further career advances, paying off his home, and extensive travel.

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Comments

  1. Nick says

    July 5, 2006 at 2:49 pm

    There never has been just a 50-cent fine for me, has there? It’s always 50 cents for the initial swear and then another 50 cents for the swear upon realizing I swore (or having someone realize it for me).

    Reply

Trackbacks

  1. eTrade Bank really wants to keep your CD money at Clever Dude Personal Finance & Money says:
    May 29, 2007 at 10:04 pm

    […] call back one more time (after pitching a few dollars into the swear jar) and say “brokerage”. I get a live human and explain my predicament. They tell me […]

    Reply
  2. Ways to Save Money #1: Save Your Coins at Clever Dude Personal Finance & Money says:
    January 29, 2008 at 3:01 am

    […] even though we don’t spend much cash, we do keep all our change in either a small can, or in our swear jar (if I’m bad). We then use that change for tolls (but we now use an […]

    Reply

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