How to cultivate childrens saving habits and enlighten their awareness of making money in life

Date：2019-12-28 Publisher：

In modern society, it is the duty of every parent to teach your boy some scientific financial management methods. Therefore, parents should not only be satisfied with their children's understanding of money, but also cultivate and train the boy's financial ability in practical life, which determines the survival ability of commodity society.

One of the important ways to cultivate financial management ability is to teach your little man to form a good habit of saving, and to teach him some investment skills.

A fourth grade boy, with the help of his parents, divides his savings into two parts. Therefore, he has two accounts of his own in the bank, one of which is a fixed-term account to deposit money that is not commonly used, so the interest is high; the other is a current account to deposit daily pocket money.

Later, under his father's guidance, he began to use part of his savings to buy bonds on a regular basis.

In the future society, whether boys can master some methods of financial investment is particularly important for their growth and success.

Because, only by learning to save, can he form the habit of saving "his own money"; only by learning to invest, can he take the lead in learning the ability of survival and development in the increasingly competitive society

Advice to parents

When children are young, parents should consciously cultivate their children's financial ability and guide them to be familiar with basic financial knowledge and tools. The short-term effect is to form the habit of not spending money. In the long run, it will help children to have independent living ability as soon as possible, so that they can have a reliable foundation in the highly developed and rapid development era.

Method 1: cultivate young man's saving consciousness

Children's saving consciousness should be cultivated from childhood, such as——

Some children like to eat ice cream. If it costs 6 yuan to buy a cup, parents should tell them: "you can eat it, but you can only get 3 yuan today, and you can only buy it when you get 3 yuan tomorrow." This is the germination of children's saving concept.

In some festivals, parents or relatives and friends often give children some pocket money, or let children get some labor remuneration. At this time, parents should help their children open a deposit account in the bank and ask them to deposit all the money they have got into the account. They should sit down with their children every once in a while to calculate how much interest the account has earned and teach them some calculation methods of interest.

When a boy is six or seven years old, his parents should give him an idea of saving money for short-term goals. For example, when a child wants to buy a toy that he likes and is not too expensive, parents can use this opportunity to teach the child to save money. Parents can make a clear plan for their children: how much money they should save every day, and how many days they can buy what they want. In this way, children will purposefully save up the pocket money given by their parents. Let children get this toy with "their own saved money", they will treasure it more than they can easily get from their parents, and they can understand the truth that a little makes a lot.

It should be reminded that children of this age can only save money for three weeks at most. Too long time will make children feel discouraged and lose interest in saving money. By the age of about nine, a child will know how to save for a far-reaching goal.

Method 2: open a bank account in the name of the child

Godfrey, a famous American education expert, pointed out that:

Children can put their own pocket money in three jars. The money in the first jar is used for daily expenses to buy "necessities" seen in supermarkets and stores; the money in the second jar is used for short-term savings to save money for the purchase of more valuable items; the money in the third jar is stored in the bank for a long time.

To encourage saving, parents can go to the bank with their children and open an account in their children's name. When children see their names on the printed deposit receipts or passbooks, they will feel that they have grown up and become important.

Another advantage of a bank is that it enables children to fully understand that money can not be taken out of the bank at will, but must be earned first to deposit it in the bank, and then can be taken out, and will also get more interest on the money originally deposited.

Method 3: teach children some ways to make money appreciate

It is very necessary to teach boys some investment methods when the savings have accumulated to a certain amount. The boy's desire to explore is very strong. When he knows that he can make more money with proper methods, he will be full of interest in this financial activity, and become active to work for it.

In foreign countries, many parents will let their sons early access to stock, funds, bonds, auctions and other financial knowledge.

His son asked for a lawn mower for his 10th birthday, and his mother wisely bought him one. By the end of that summer, the boy had made $400 by mowing the grass for others. At this time, his father suggested that he use the money to make some investment, so the sports boy decided to buy shares in Nike. After that, the boy became interested in the stock market and began to read the financial section of the newspaper.

One day, the father solemnly told his son, "picachu card is selling very well now. The news is true." The son immediately blurted out, "Dad, sell all those picachu cards I have accumulated." Over the next few months, the father helped his son auction the cards on the website,