1, no money to maintain parent-child relationship.

Parents should never use money to maintain parent-child relationship, let alone use money as a reward. If children abide by family rules, they should be directly encouraged to use money as a bargaining chip to induce them to abide by family rules, so it is easy for children to develop the wrong idea that they are willing to work hard only if they are rewarded. Even some parents use money to make up for the lack of companionship time, which not only makes the hole that needs to be filled bigger and bigger, but also may make children mistakenly think that they can buy anything, including emotions, as long as they use money.

Although some children are well-off, they don't feel the love of their parents, so they deviate from the direction in their growth trajectory; Even though some children are not well-off in material life, they grow up with full love from their parents and still show incomparable self-confidence and ability to love others.

Tips: Parent-child relationship needs to be cultivated.

Many parents will say that I work hard to make money just to give my children a good life. In fact, what children need is not money or exquisite toys, but the patient companionship of their parents. The happiest moment for children is to be with their parents. He has never needed his parents so much in his life. He likes to cling to you and imitate your words and deeds, because parents are everything to a child. It's hard to make up if you miss it.

2. Understand the source and use of money.

Children should know that money is earned by their parents, and even tell their parents more clearly about their occupation and work. The expenses at home, how parents intend to use the money, why they use it like this, and so on. Children should also be made to know that this will enter the child's subconscious and will have different degrees of influence on the child's future. Remind that children should set an example, because they will imitate their parents' behavior patterns and want their parents to establish a correct view of money.

Tip: Develop the habit of managing money.

You can start with bookkeeping and regular savings. Bookkeeping can understand the direction of money use and review whether there is room for improvement. The point is not to keep accounts, but to save money. Saving money regularly is the beginning of accumulating wealth. Parents set an example and let their children learn from an early age. When they have pocket money to spend, they will learn from their parents' bookkeeping and savings behavior and take the first step in their own financial management.

3. Learn to keep money properly.

Important things should be properly preserved, and money is no exception. It is necessary to educate children to manage money from an early age, otherwise it will be easy to lose and cause losses. There are two ways to keep it. One is to help children open independent accounts in financial institutions and deposit a certain amount into the accounts. At this time, what children need to learn is to keep the passbook and seal. In addition, children may get change on weekdays. Although the amount is small, it can be accumulated, so it should be kept well, so don't leave it casually.

I suggest that you might as well help prepare three small jars, each of which has different uses, so that children can learn to distribute and use their own money besides keeping it. Children may not understand how and when money can be used. Parents can discuss with them and let him know what will happen if the timing is wrong. Step by step, train children to become masters of money, so that they will not be controlled by money in the future.

Tip: Be careful with your money.

If parents can't get rid of the habit of misplacing change, they might as well make an agreement with their children, or give them a certain proportion, and ask them to keep a change jar, and even creatively think about how to collect change together to help them establish the habit of treating money correctly and not casually.

Second, guiding articles.

1, know the number.

Some people say that wealth is just a pile of numbers, but it is not unreasonable, especially for young children. Before they know the value of money, it is really just a combination of several Arabic numerals. Therefore, let children learn to know numbers first, and then establish a correct view of money!

Although preschool children can't understand money with their cognitive ability, it doesn't mean that they can't start learning. Such learning begins with knowing numbers. As they get older, they have different learning goals.

2. a reminder.

There are many ways for children to learn, and the most effective one is games. Numbers are everywhere, and life is full of children's learning classes. If you can learn lively, the more you can stimulate children's interest in learning and improve learning efficiency. Based on numbers, slowly, with the maturity of children's cognitive ability, he will learn from each other bit by bit and gradually construct the concept of money.

Third, practical articles.

1, financial management in life.

I believe that no one wants their children to spend money indiscriminately or invest beyond their ability in the future, which may not only leave them with nothing, but also be heavily in debt, and parents need to use their old capital to help pay off debts. Therefore, we should grasp all kinds of opportunities in life from an early age, instill a correct view of money in our children, learn to use money correctly, and let him maintain a stable financial situation in his long life, at least to ensure his own life. When the bank has spare capacity, think about what kind of investment behavior is appropriate under tolerable risks.

2. Red envelopes.

How to use red envelopes? For children, red envelopes can be said to be the biggest income in a year. It is not correct whether parents help their children plan and use it or let them spend it all.

It is understandable to save red envelopes for younger children first. Children aged five or six should learn to use money slowly. It is suggested that half of the money can be deposited into the child's independent account first, and the rest can be taught by the child himself. For young children, daily life is a big classroom. Have the opportunity to let children establish a correct view of money and learn to manage money. Parents should never ignore it! Everyone has different values about money. It is undeniable that most of these ideas come from growing families. Parents' behavior of spending money has a far-reaching impact on their children's attitude towards financial management in adulthood.

Tips: Open an independent account.

Guide children to keep 5-year-old children have a sense of crisis about lost things. Parents can guide their children to keep red envelopes themselves. If they are misplaced, they are easily lost. Deposit in an independent account and open an independent account for your child as soon as possible. After the new year, take him to the bank to deposit the red envelope in his account and let him know that "your red envelope exists."

In your account ",instead of just giving the impression of" give it to your mother, and then the red envelope will be gone ".

3. Supermarket procurement.

Many parents are used to going to the supermarket to purchase all kinds of items needed for life, which is a good opportunity for their children to learn how to manage money and use money! Imagine: Have you ever wanted to buy fresh food, but lost your mind because of the "special price" and bought some unplanned items? How to let children learn smart shopping from supermarket procurement.

Tip: There are four main points to learn in purchasing.

(1) leaderboard.

In order to avoid buying things that shouldn't be bought, make a list before leaving, and then let the children choose what to buy one by one according to the list. On the one hand, do a good job in planned consumption to avoid overspending; On the other hand, it reminds you not to miss the purchase, or you should run more.

(2) Choose the right goods.

How to choose the same product when there are many choices? It may be to choose the cheapest one, or to buy a brand that you are used to, or to pay attention to quality. No matter which one you choose, you should let your children know the truth of "a penny for a share". As for the choice, it depends on your own needs.

(3) Give children the right to choose.

Give children the opportunity to choose shopping according to the situation, but within a certain range. If you can choose snacks or toys, let him choose what he wants; Or an item in a certain price range, he decides what he wants to buy most among the dazzling array of goods, and he won't regret it if he buys it.

(3) You can't take things away before checking out.

When you buy something, you must go to the cashier. The cashier will brush the bar codes of the items one by one and take them away after checking out. The payment method can be cash, credit card or mobile phone, so that children can witness the whole process, understand the shopping procedure and avoid the wrong behavior of taking the goods and leaving.