Since my 7-year-old son took the lucky money, he spent about 1000 yuan in a short time. I asked him, you usually have food at school and buy milk every month. What did you buy with the money? He said it was mainly for snacks, and like many students at school, he sometimes treated guests. Finally, I asked him, do you know how this money came from? He shook his head and only said, "I am very happy about money", and I realized that I didn't educate my children about money earlier, which led to the ignorance of children about money now.

Educator Merkel said: "Money education is a compulsory course in life and the focus of children's education, just as money is the focus of family." China people are ashamed to talk about money, and think it is vulgar and utilitarian, so most parents in China never teach their children about money. In essence, money education should implant planning, responsibility and value into children's hearts and make money a tool of education.

Children who grow up under the education of "lack of money" not only lack a correct understanding and understanding of money, but also find it difficult to clarify the relationship between money and life, so life is always "troubled" and even destroyed by money. The essence of money education is happiness education and the essence of money education is personality education. A person's view of money will affect his life's happiness.

Let the children know where the money comes from.

Children before the age of three only regard money as a piece of paper that they can play with at will. Children don't know that money can be exchanged until they are three or five years old. When I was six or seven years old, I had a more conscious buying behavior. Children over the age of eight realize the various material exchange functions of money, and children over the age of fifteen realize the spiritual and social functions of money. /kloc-Children over 0/8 years old have the awareness of using money to increase value, and money can become more and more.

Now parents take their children out to the supermarket or buy food, which is direct mobile phone payment. Often children will think when they see it. I don't know how much money my father has in his mobile phone. You can't use it all. How did he get the money? Later, I also realized the problem. Going out to buy things with children and trying to get money to buy them can give children a very intuitive feeling.

Therefore, the first step of money education is to let children know where the money comes from. You can show the children around your workplace. Walking in the street at ordinary times and seeing various job advertisements can teach children to be familiar with various jobs in society.

Let children know that money is hard to come by.

Make a workplace video consciously, let him see that many workers in the factory are busy, and show him the monthly salary slip. Usually let the children put away the paper and beverage bottles at home. On one occasion, he took more than 65,438 kilograms of paper and panted for 5 yuan all the way. On the way back, I asked him if he was hard. He nodded. I said you bought snacks the day before 10. Now you know it's hard to make money! Slowly let him realize that money is hard earned.

For many children, how hard it is to work to make money and how much it costs to buy something have no idea at all. Therefore, when educating children about money, we must plan some similar activities to let them know that money is hard to come by. Only in this way can they know how to cherish money and respect the fruits of their parents' and others' labor.

Excessive indulgence of children's material will only make children like to compare, love to show off, waste money, pursue enjoyment excessively, and eventually lose themselves.

Let the children know that a gentleman loves money and takes it properly.

I remember when I was a child, my family was poor. I watched other children eat all kinds of biscuits and sweets, and I was always greedy. I dare not ask my parents for money, so I went to my neighbor's duck cage to get some duck eggs and went to the dealership to change my favorite snacks. Later, my neighbor chased me and bought me a pie and said, "Children can't" take "other people's things." I often carry it when I was a child, but when I grow up, it will become stealing and committing crimes.

So I am very grateful for the education of my neighbors at that time. The "lesson" is really profound, but the phrase "a gentleman loves money and takes it wisely" has been in my bones from now on, and I have never done anything furtive again.

Why is "naked loan" popular now? Why do so many businessmen make black-hearted money now? Why do so many officials take bribes and bend the law now? An important reason is the lack of money education such as "a gentleman loves money and takes it wisely" when he was a child. Therefore, as parents, when educating their children about money, they must repeatedly emphasize through various channels that a gentleman loves money and takes it properly. Don't sell your body for money, don't lose your conscience for money.

Learn to give children pocket money.

What about children stealing money? Almost every child has done wonderful things to steal money. Parents have a headache and are asking for advice: "How to educate their children?" But few parents ask a question: Why do children steal money? A child's answer is typical: "I started stealing money in the fifth and sixth grades." The quantity is very small, a few pieces at a time. Why should I steal money? Because my family never gives me pocket money. If you want to use money, you must ask your parents, but my parents often think that my request for money is unreasonable.

For example, if I want to buy toys, my mother says it will affect my study. I want to buy snacks. Dad said: there are meals at home and at school, and you can't eat snacks. Seeing that other children have money to spend at school, I have the idea of stealing money. "So many children get into the habit of stealing money because they lack a stable source of pocket money."

Therefore, as parents, we must understand that giving children pocket money is a very important money education. Giving children a stable pocket money has several advantages: it can make them have a sense of independence, let them learn to plan their consumption and cultivate the habit of living within their means.

Teach children to allocate money reasonably.

After giving children a stable pocket money, we should teach them to control their pocket money reasonably and guide them to establish a correct concept of consumption and financial management. Teach children to make a list of things for themselves, let him know what is necessary and what is expected, and let him develop good consumption habits. I will give it to my child 15 yuan every week. Then ask him to allocate 15 yuan as follows.

The first 5 yuan: Let him decide how to use it: "You can pay for any small toys, snacks, or if you are hungry after school. If you want to buy something more expensive, just bear it for a few more months. "

The second 5 yuan: I asked him to put it in Alipay for savings and investment. "The money should be used at a critical time. What should you do if you are ill one day? What should mom and dad do when they have an operation? What if you lose your job? We must rely on this money to tide over the difficulties. " The distribution of these five dollars is to cultivate children's sense of crisis.

The third 5 yuan: I let him share. Sometimes classmates or rural children share food or play with him, and let him have money to buy food or toys to share with other children. Let him learn to share, experience and enjoy the happiness of "giving".

Create opportunities for children to make money.

There are two particularly big misunderstandings in giving children pocket money. The first misunderstanding is that children trained in such a rich way as "say whatever they want" can easily form the habit of arrogance and extravagance. The second misunderstanding is to encourage "you sweep the floor, I will give it to you 10 yuan." "The final exam is over, and the reward is 1000 yuan."

This random motivation is likely to cause a big problem, that is, he may regard all relationships as money relationships in the future: spending money to buy friends, spending money to buy jobs, spending money to buy love ... everything needs money to drive, and everything needs to be measured and measured by money.

I won't reward housework such as doing homework, putting away toys, washing dishes and sweeping the floor. This is also something you should be involved in. So how to create opportunities for children to earn pocket money? You pick up bottles and sell them, and I'll give you a reward. You help dad wash the car, and I'll give you a reward. I will reward you for helping your grandparents with their farm work. I only reward others' selfish behavior, not selfish behavior.

Let children know that money is not everything.

The child's male grandmother is ill, so take the child to the hospital to visit. Every time I come back from the hospital, I will emphasize one thing to my children: "Compared with money and health, health is far more important than money. Without health, no amount of money is equal to zero. "

Not only do I tell my children that money can't buy health, I will also take every opportunity to tell them: "Although money is important, it can't buy everything you want. Money can't buy real affection, money can't buy real love, money can't buy real friendship, money can't buy a young body, so you can't rely on money. "

No matter how good the money is, it can't buy a healthy body, go back in time, regret, lost years, lost life. You can't buy Iraqi peace or the return of Taiwan Province province. You can't buy the strength of China football, and you can't buy the Nobel Prize.