Therefore, it is beneficial for children's growth to cultivate their financial awareness moderately. To educate children to manage their finances, we must uphold the principle of "a gentleman loves money and takes it wisely".
The so-called Tao means law, morality and conscience. Obeying the law and discipline, not harming the interests of others, and getting money through one's own labor, wisdom and courage are all the right ways.
02
Reasons for the formation of the concept of money first
1 confuses the essence of money and obligation.
When using the reward method, the mother of the child signs a reward contract with the child: "Fold a quilt, 0.5 yuan, clean the table 1 yuan, sweep the floor in 2 yuan ..."
After trying for three months, parents found that their children had changed a lot, haggling over every ounce and haggling over every ounce. Even if they work by themselves, they have to talk about the price. For things not stipulated in the contract, he must negotiate the price before doing it. My parents regretted it.
Reward is a means to strengthen children's behavior externally, which can have a great influence on children's psychology through their own evaluation.
However, blindly implementing money rewards will inevitably promote children to form the concept of money first.
Housework is the duty of family members. Many children's mothers reward their children with financial rewards for self-help and housework, which will make them confused about what they should do and what they should get.
Therefore, parents must carefully adopt the practice of rewarding or punishing their children with money, properly guide their children's awareness of money, and educate their children to get a certain return by paying their own labor;
At the same time, we should tell children that some things in the world can be measured by money, but there are also many things that cannot be measured by money. Money can't buy everything, such as spirit, responsibility, obligation, love, friendship, health and happiness.
2. Make money as a child's basic activity and due responsibility.
Different stages of life have their own basic activities, the basic activity of adults is work, the basic activity of primary and secondary school students is study, and the basic activity of preschool children is game, but making money is not the basic activity of preschool children.
3. Excessive financial management education causes children's unhealthy mentality of money first.
When parents educate their children about financial management, they should pay attention to cultivating their children's healthy concept of money, so that children can understand that the accumulation of money is on the one hand and the use of money is a science.
If everyone only knows how to accumulate money without spending it, he can't enjoy the beauty of life, wealth can't flow in society without sharing, and everyone can't try his best to solve some social problems.
03
How to form a correct view of money
1. Carefully educate children to earn money.
There is nothing wrong with getting paid through labor. Experiencing the process of getting paid through labor can really make children have a positive emotional experience and a sense of accomplishment, and stimulate their interest and desire to continue doing things. This is more positive and educational than just asking parents for money.
However, parents should realize that not all housework done by children needs to be paid. If they can do something, such as cleaning their bedding, toys and books, washing their underwear, setting the table, cleaning the table and so on. Five or six-year-old children can do it, and they should also do some self-help and family services. This involves the cultivation of children's sense of self-service, family responsibility and love.
Parents should also let their children know that thrift is also an excellent moral character.
You can't waste money just because you have more money now than in the past, and spend it on what children want.
Therefore, parents should help their children distinguish what they want and what is necessary. If these items can be replaced by other items at home, they are not necessary for children. Then parents must resolutely say "no", even if the family's economic conditions permit, they can't accommodate their children.
At the same time, parents should make it clear to their children that not all wishes should be realized, not what they want, so that children can learn to adjust and wait for their wishes.
Parents can regularly give their children "delayed gratification" training, including delaying gratification time, reducing the level and quantity of gratification, and increasing the conditions for positive gratification, so that children will cherish what they want, and they can also cultivate a good character of diligence and thrift from an early age.
3. Help children learn to accumulate, save and plan.
Children are no strangers to the concept of banks. They generally know which banks are around them, but they don't fully understand what banks do.
In order to let children know more about banks and encourage children to develop a good habit of saving from childhood, parents can take the opportunity of going to the bank to show their children around the bank, so that they can observe what the bank staff are doing and what the people who come to the bank are doing, and know that the bank is an institution for saving and lending.
Parents use these opportunities to give their children a brief explanation: Why do parents save money? Money can be spent less or saved more.
Parents can also open a passbook for their children in the bank, and children can deposit pocket money and lucky money in the passbook. This way can not only satisfy the curiosity of preschool children, but also play the role of investment enlightenment.
In addition, because children are young, weak in self-control and lack of consumption experience, they will be arbitrary and blind at first. Therefore, parents should help their children establish a correct view of money, arrange their pocket money reasonably, and lay the foundation for future financial management.
Today, through the systematic study of educational knowledge, I believe that every parent has gained a lot, so learning the necessary educational knowledge is also a compulsory course for every parent to grow up. I hope everyone can pay attention to it, and I will continue to share more useful and practical family education knowledge and some tips for educating children in the future.