Countermeasure 2: Small money can be turned into big money. Generally speaking, parents will give their children pocket money every month, which can be the most important money to help their children carry out financial exercise. With the money from 30 yuan, you can buy two ultramen, three books and a big bag of snacks, and your favorite car toy must be 50 yuan. How should it be distributed? Give children the power to make decisions and guide them to save money correctly. You don't have to use up your wealth, but you can buy higher, bigger and better ones if you save it.
Countermeasure 3: Learn to spend money in the afterlife. Once upon a time, a farmer kept a goose. Suddenly, one day, he accidentally found a golden egg in his nest. The farmer made a lot of money selling golden eggs and celebrated with great fanfare. In the future, farmers can get a golden egg every day. The farmer wanted more golden eggs, so he gave the geese more food and care every day and carefully protected them, but there was still only one golden egg every day. In a rage, he killed the goose that laid the golden eggs. There will be no golden eggs from now on. The farmer returned to his former poor life. Tell the story to the children and discuss it with them. Suppose you are a farmer and love to fight? How can we have more golden eggs?
For children, his Spring Festival red envelope is a goose. If you spend all your savings, you are finished. If you save the Spring Festival red envelope, it will cause loan interest, which is equivalent to golden eggs. What if we replace our golden eggs with more geese that can lay golden eggs? There are more and more geese, and naturally there are more and more golden eggs. According to a short story, it is easy for everyone to shape children's concept of saving and financial management. Is it easy? Take a quick look.
Countermeasure 4: Lending money to children can help them understand loans. A junior in a university in Beijing was found to have drowned with a will. When he died, his parents continued to receive text messages threatening him to pay back the money. This kind of news reports can often be seen a few years ago, although many children are caught in campus loans and owe huge loans. At first, I just wanted to buy a brand-name bag and a mobile phone, but the impulse was particularly great. When one's ability is not as good as one's impulse, one's life is only one step away from "cross the rubicon". We must attach importance to shaping children's financial and business education. Through the first three countermeasures, children have the correct values, know how to save, and even know how to manage money, then the next step is to start the transmission of crisis awareness.
Sometimes the price of goods that children want to buy exceeds their own money. At this time, in addition to letting children adjust their overall goals spontaneously, parents can also consider "borrowing" them appropriately. In a reasonable range, let children understand that borrowing, repayment and even interest can help children master many basic elements of borrowing. This is an indispensable part of shaping children's financial management concept.