Parents must know: the money view of cultivating children from childhood

Date：2019-12-28 Publisher：

Since I was a child, my financial management concept is not strong. When I saw delicious and funny things, I bought them directly. When I had no money, I asked my mother directly. So now I have formed the habit of spending money recklessly. In fact, mother is such a person. The influence of parents on children ranges from living habits to learning habits. Parents' consumption habits will also directly affect their children's consumption habits. Parents spend a lot of money and don't know how to manage money. Children's view of money is so much. How to cultivate children's correct view of money? For money, parents should let children know the value of money, consumption plan, etc. in advance, let children know the hard work of parents to earn money, and cultivate children's saving habits.

 

Let children know money

 

Many parents are not willing to talk about money with their children, which is understandable. They are worried that their children will become vain and compare when they use money. But after all, closure is not the way, which will ignore children's understanding and education of money.

 

I remember that in a financial and business education forum, experts listed the following schedule for children's money Education: 3-year-old know coins and paper money, 4-year-old know the face value of coins, 5-year-old know the equivalent of coins, 6-year-old can simply change, 7-year-old will look at the price tag, 8-year-old can do odd jobs to earn money, 9-year-old will make a week's spending plan, 10-year-old know to save a little money every week for large-scale opening Branch needs.

 

Therefore, it is necessary for children to understand the essence of money when they are young. As parents, we should especially change our ideas. We should never talk about the color change of money. For young children, parents can tell their children about their recent spending plans, such as buying clothes, daily necessities, paying tuition fees, etc At the same time, make records, so that children can understand what money does, let children know, enhance children's understanding of money, and lay a good foundation for establishing the concept of money in the future.

 

The children who go to school can deposit the new year's money in the bank, set up a special account, and cultivate their children's ability to control large amounts of money. Parents can regularly put the money out for their children to use. Don't be afraid that the children will spend all the money. Only when the children have no money is the key to education. Therefore, children should be allowed to buy things they like. However, parents should make it clear that after spending all these money, there will be no more money this week, no more money this month.

 

Teach children to make money

 

In his childhood, Rockefeller, the founder of the US Rockefeller consortium, was given 10 cents a week by his grandfather. He checked whether it was increased by the end of the week, forcing little Rockefeller to sell newspapers on the street and develop the concept of making money through labor. And Warren Buffett started saving at the age of 6, 30 yuan a month. When he was 13, he had 3000 yuan and bought the first stock.

 

Parents should let their children know that money is earned and created through labor. For young children, parents can assign housework content to their children and clearly mark the labor remuneration. Let children realize that their hands are creating wealth.

 

For a child who goes to school, he can bargain with his parents about his labor value, and finally decide on a reasonable remuneration recognized by both sides. Let children realize that their value is increasing. For the children of the second oldest age, the parents should encourage them to carry out social practice, contact with the real society, and let the children feel the real experience of labor creating value.

 

At any time, parents should cultivate their children's self-awareness and tell them to use their hands and knowledge to create money with their abilities. Only by conveying the right concept of wealth to children, can children's life be rich and free.

 

3 let children use money

 

It's not a day's work to save money. Children can understand that it's not easy for money to come. Only in this way can they understand how to save and form habits.

 

Children's observation ability is very strong. Parents can not only let their children use new year's money, but also take them to supermarkets and stores, and give them some money regularly to encourage their children to spend reasonably. After the children consume, communicate with the children about their feelings after shopping in time, and ask the children "is the consumption reasonable and satisfied?". Through communication, slowly help children to establish a correct outlook on money and consumption.

 

When children experience the material feelings brought by money, parents should also let children understand that money is not omnipotent, only the material heart will not be happy, and money has its limits, such as family, friendship, happiness, happiness These are all things money can't buy, and these are the most precious wealth in life.

 

Don't feel that talking about money with your child hurts your feelings any more. Talking about money is the basis of cultivating his saving and spending consciousness when he was a child. Only in this way can he cherish the difficulty of making money from his parents.