It is necessary for children to learn financial management. Today's children are rich in material life. Even if parents tighten their belts, they will still give their children enough pocket money to provide them with the best. However, the financial planner Bee Jucai believes that parents may become "loving him equals hurting him" by doing so, which will make children form a wrong concept of financial management and not know the difficult side of the world. If they want their children to change their bad financial habits when they grow up, there is no doubt about it.
If children are not educated in time to have a healthy attitude towards money and develop good financial habits, parents may face the following dangers: first, children will often make ends meet because of lack of economic responsibility and rely on their parents for a long time; Second, influenced by advertisements, children gradually form the values of self-enjoyment and indulge in material enjoyment; Third, due to the lack of awareness of international payments, they fall into debt trap and personality trap in credit consumption.
Doing financial training well from an early age can bring many benefits to a person's future growth. From the short-term effect, they will form the habit of not spending money indiscriminately; In the long run, it is more conducive to children to form independent living ability, establish a correct view of wealth and pave the way for themselves. In addition, if parents can let their children learn financial management from an early age and instill correct financial management concepts, they can help their children reduce unnecessary expenses and avoid falling into debt crisis. Due to the rapid development of finance and banking, credit consumption has become a very easy thing.
According to a survey, 86.7% of children usually have pocket money. Among them, the average monthly income of 26.6% is lower than 10 yuan, that of 30 yuan is 16438+09.2%, and that of 50 yuan is 12.6%. 5 1 ~ 100 yuan is 13. 1%, 200 yuan is1kloc-0/~ 9.3%, 20 1 ~ 300 yuan is 5.7%, 65. With the growth of age, the amount of pocket money is increasing.
So, how do children usually handle pocket money? The survey results show that most students' money has multiple uses: they choose to buy what they need, donate it to those who need it, and buy birthday gifts for their classmates.
Through correlation analysis, it is found that in the aspect of 10, there is no significant difference between children who report their family economic status as "rich", "average" and "difficult", that is, children spend money regardless of their family economic status, even if their family economic status is "difficult" and "very difficult". More than a quarter of the children "buy birthday and holiday gifts for their classmates". In particular, among the children surveyed, 12.5% of fathers and 22.3% of mothers are "unemployed or unemployed", but the amount and cost of pocket money they have are not much different from those of children whose parents are working.
In the investigation report, the reporter found that in daily life, parents lack financial education for their children, and schools are even more vulnerable in this respect. Children's consumption lacks effective guidance and has certain blindness.
In the modern life with developed commodity economy, financial management ability is an important part of viability. For growing children, learning to manage money is not only a matter of how to use money, but also includes various educational contents and the cultivation of various abilities; For many countries, it is related to how to train talents to drive the future economy and adapt to the needs of future economic life. For many years, financial management education has been a blind spot in our education, and now we should make up this lesson as soon as possible.
However, everything has advantages and disadvantages. While enjoying convenience, it will also have some negative effects. For example, some students, after overdrawing with credit cards, find themselves unable to repay debts with high interest rates, so they have to apply for more cards and implement the overdraft limit of one card to meet the loan to be repaid by another card. In fact, this practice is unwise, which is also the result of lack of financial management concepts and skills. From such a small point of view, if we can't do a good job in financial management training from an early age and help children understand the problems of money and credit, it may cause more and bigger problems when they grow up.
In fact, it has many advantages to cultivate children's knowledge about financial management from an early age. For example, it can help children learn numbers.
The knowledge learned. In addition, when they know more about financial management and investment, they will have a clearer understanding of some economic phenomena in their lives and deepen their understanding of society.
As we move towards a knowledge-based economy, some basic financial knowledge has become an indispensable part of our lives. Therefore, if children cultivate excellent financial management ability from an early age, they will be more competitive than others in this knowledge-based society.