Sort out your child's general abilities (communication, emotional intelligence, etc.). ) and values to cultivate parenting concepts and help parents become the best teachers for their children!

He has nearly 20 years of experience in pediatric clinical and academic research.

Graduated from Chongqing Medical University in 2002, majoring in pediatrics (one of the four top pediatrics in China);

From 2002 to 2065438+March, he worked in pediatrics in the First Affiliated Hospital of Chengdu Medical College (the highest level of China Hospital) and taught as an undergraduate in the Department of Clinical Medicine of Chengdu Medical College.

Since 20 13, he has been engaged in doctor education and professional medical skills training;

From 20 19 to now, I have served as the product and course consultant of the "children's growth" parenting platform, and strictly audited the articles and courses of the platform to ensure that every article and course audited conforms to scientific practice;

In China, many parents have the habit of keeping money for their children. Every year, the lucky money will fall into the hands of parents, euphemistically called "you are still young, I will keep it for you and give it to you when you grow up."

Based on years of bitter experience, I understand that most parents have absolute rights to their children's lucky money.

So, should parents "leave" money for their children? If they are allowed to spend money freely, can they use it reasonably?

In order to cultivate children's financial quotient and establish a correct view of money, the American Academy of Pediatrics published an article "Managing Money". The views in the article come from the theoretical research and practical experience of American pediatricians, which is very worthy of parents' reference. Dr Wang Yu summed up six points:

(PS: for children from primary school to junior high school)

It is recommended to provide a certain amount of pocket money regularly. For example, if you give it once a week or once a month, you must have a fixed time, so that you can give your child a clear expectation and know how much money you have, and then you can learn to plan and allocate it reasonably.

You can allocate pocket money according to the age of the child. For example, children aged 5 or 6, just beginning to understand the meaning of money, can give less once a week. Otherwise, they may run out of pocket money for one month in one day. Older children, if they have some financial management experience, can give it once a month, so that they can learn to allocate it reasonably in practice.

The American Academy of Pediatrics particularly emphasizes that when giving children pocket money, they can get it through work and housework. Only by making money and spending it yourself can children understand that money is hard to come by and use it more rationally. But everything should be measured, and the length of work and housework should be properly grasped.

Usually when children have the right to spend money freely, they will think that they have made a windfall and want to buy everything in the supermarket. However, some children may be reluctant to spend money. At this time, parents should try their best to let your children experience the fun of spending money and the sense of loss caused by wasting money.

Excessive interference is a common mode of operation for parents in China. Many times, parents often overreact when they see their children spending money lavishly. As we all know, making mistakes is the first step for children to make progress. If parents boldly let go and let their children try it themselves, then they will reflect after eating a "loss" and will always understand it when they spend the next time. Therefore, letting children try by themselves can make children grow up.

In traditional oriental culture, there may be a side that is ashamed to talk about money. However, in order to let children establish a good view of money, we must "talk about money" with children.

For example, your 8-year-old daughter likes an expensive dress. You can talk to her about how long it takes her to buy pocket money for clothes and what to buy with the same money, and then let her make a choice after talking with her, so that the child will consider her "economic" situation when buying goods.

Broadly speaking, talking about money with children is not only verbal, but also practical. For example, shopping with children and comparing the price, quality and practicality of goods in front of children; Show your children how to pay, how to use coupons and so on.

For older children, parents can ask him to make a list of things to buy before shopping, and then he can plan a budget for a week or even a month.

The purpose of this is to let children learn to manage money. The number of "moonlight clan" is increasing, which is also caused by their lack of budget for life. Therefore, between the infinite desire to buy and the limited money, children can only make a good balance through learning. They need to know that sometimes they have to make a choice. If they really need extra money, they can get it through work.

If your child has enough financial experience, you can consider giving him a credit card to let him understand the concepts of debt, interest and credit in practice. However, all this must be closely monitored by parents because Xiong Haizi's ability is always beyond our imagination.

Nowadays, the wave of e-commerce has swept the world. For this phenomenon, we can't avoid it, and we can only give children correct guidance.

If parents are pickpockets and their homes are full of unopened packages, they need to reflect on themselves and educate their children. E-commerce shopping also requires certain skills. When your child needs shopping, you can encourage him to choose online, but by no means create a demand that he doesn't have by browsing shopping websites.

Due to cultural differences, we don't attach great importance to this point. But the American Academy of Pediatrics thinks this is very important, because in the context of Christianity, they think that a family devoted to charity is a family blessed by God. Therefore, encourage children to find the charity objects they want to help and support and their reasons, and find the appropriate donation methods. Doing some charity with children is also a good way to cultivate children's love and sharing.

Now, let's go back to the problem of lucky money. First of all, it needs to be clear that since it is a lucky money for children, the right to use the lucky money is of course for children, but parents should have the right and obligation to supervise.

So, what should parents do to give their children the right to spend money freely?

1. Take the lucky money as a year's pocket money and distribute it to children on a weekly or monthly basis.

2. If you have given your child the right to control money, don't interfere too much, let the child try it by himself, only practice can give you true knowledge.

This article comes from: the parenting experience of the doctor's father.