Learn to manage money from pocket money

In the United States, almost every child has pocket money, most of which is earned by helping parents or family members do things. Parents pay their children for the following three considerations: first, abide by the principle of pay according to work; Second, let children have some money to buy their favorite snacks and necessary school supplies; The third is to let children get some practical labor exercise. Even some rich people practice "no food for those who get something for nothing" to their children, forcing them to give up their dependence on "getting something for nothing" and establish the concept of "eating by themselves". Even the home of President barack obama is no exception. When Obama's two daughters were young, they had to do housework to get pocket money. If they do housework, they can get $65,438+0 pocket money every week, including setting the table.

In order to help children prepare for their future life, some American families also let teenagers pay their telephone and bus fees and some family expenses. When the child is mature, parents often open the account books and tell him how the money in the family is spent, so as to help the child understand how to manage the family's "finances". In the United States, teachers, parents, sociologists and economists all believe that it is not a bad thing for children to have some pocket money. The key is to guide them to control and use money correctly from an early age and establish a correct concept of consumption.

Japan

Self-reliance control requirements

Professor Yamamoto of Japan believes that children's pocket money, as a cultural intermediary tool, plays an important role in life, and children use pocket money to create their own lives.

In Japan, parents have two ways to control their children's pocket money. The first is to give children a certain amount of pocket money on a regular basis and let them arrange their own expenses. The second is to give children pocket money according to their requirements or wishes, and at the same time control their requirements.

Japan attaches importance to family education and advocates that children should stand on their own feet and not borrow money from others casually. It also advocates that children should manage their pocket money. There is a famous Japanese saying about children's education: "Everything is given by nature except sunshine and air." In Japan, financial education with the main contents of making money, spending money, saving money, sharing money with others, borrowing money and currency appreciation has been integrated into children's whole education, which makes children live in an environment with strong financial awareness and gradually forms the quality and ability to be good at financial management, which also provides a solid human resource foundation for Japan to train and bring up a large number of outstanding economic management talents.

Britain, England

Saving and financial management is a compulsory course.

In the concept of British parents, it is far more important for children to feel the hard-won money than to take it for granted. The financial education policy in Britain is to promote rational consumption, encourage careful calculation and pass on its financial management concept to the next generation. In Britain, children's savings accounts are becoming more and more popular. Most banks have opened special accounts for children under 65,438+06, and 65,438+0/3 of British children deposit their pocket money and work income in banks or other financial institutions.

British children should receive financial education from the age of five, understand the difference between coins and paper money, understand the different sources of money, and understand that money can have multiple uses; Students aged 7 to 1 1 should learn to manage their own money, realize the role of savings in meeting future needs, learn how to manage banks and savings accounts, and how to make budgets.

Israel

Pay more attention to wisdom and responsibility

There are no financial management courses for children of different age groups in Israel. In Israeli family education, there are several basic principles about money education: first, everyone has a clear concept of real right, and he should protect his own property, at the same time, he should respect other people's property, compensate for losses and pay the price for embezzlement; Second, cherish money or personal property and don't waste it. Israelis should be thrifty and their basic life can be guaranteed.

The most important thing in Israeli financial education is the core concept of money, that is, responsibility. Children know how money comes from and know how to be thrifty. Not only be thrifty, but also know how to pay.

Germany

Let the children have a saving contest.

Most German parents think it is necessary to give their children pocket money: first, by using pocket money, children can form a basic understanding of transactions; Second, children can learn to make up their minds, because pocket money is limited and there are many things they want, and children learn to think from choices and become independent; Third, children can learn to make plans. German parents usually give their children pocket money regularly and on time, which not only gives them the impression of "keeping their promises", but also facilitates their children to arrange financial plans.

No matter whether children are obedient or not, they have the right to get pocket money, and parents do not regard pocket money as a means of reward and punishment. Parents basically let their children decide how to spend their money, but there is a premise that the things they buy must be safe and healthy. As far as the amount of pocket money is concerned, boys and girls are treated equally as long as they are about the same age. In addition, many parents also encourage their children to open accounts in banks, so that their children can have a saving competition with the children of relatives and friends.

Canada

How do I manage my son's pocket money

Children in Canada have known pocket money for a long time. When my son was 5 years old, he attended preschool in a nearby primary school. The school will sell hot corn porridge at the price of 0.25 Canadian dollars every Thursday morning. The teacher will inform the parents by email. If parents agree, they can prepare a quart (there is a Canadian coin of 0.25 Canadian dollars, commonly known as quart, which means "a quarter of a dollar") to take care of the children early that morning. This day is called "corn porridge morning" by many children. The purpose of designing such a shopping applet is to let children have a perceptual knowledge of money and shopping.

In the first grade, the school will open a "food corner" after school on Friday to sell some snacks such as cornflakes, the unit price is usually less than 2 Canadian dollars, and public primary and secondary schools in Canada finish school early, usually around 14: 30. If parents want their children to have more time for extracurricular activities, they can pick them up later and leave some coins for their children to buy snacks. It is worth mentioning that the "gourmet corner" generally does not sell drinks, and carbonated drinks are absolutely invisible.

Junior students' pocket money has few uses, one of which is to buy gifts for their classmates. Canada attaches great importance to the cultivation of students' social skills and habits. Polite communication between students is very intensive. These small gifts are usually cheap, but no matter how cheap they are, they cost money. On many weekends, we spend time buying gifts with our two sons (the elder is 6 years old and the younger is 3 years old). The younger ones are usually arranged by us, and the older ones have begun to choose by themselves.

Children in Canada have been instilled with the concepts of "paid service" and "meticulous money" since childhood, so they are used to exchanging pocket money for performance. For children above 16, the school sometimes arranges some paid internship opportunities, while for children below 16, they can only help their parents with housework at home in exchange for pocket money, and some parents even "clearly price" various housework or performances.

Usually, children don't have much pocket money, and juniors usually only have a few coins. This is mainly not for fear of their profligacy, but to avoid the influence of two major "public hazards" in Canadian schools-campus gangs and school bullying. Too much money is easy to be targeted by "bad children"