I thought of my children. Occasionally I will buy a car, a small pistol, some drinks and some strange stationery, but I have never been extravagant. My 4-year-old brother often takes my hand and clothes corner to the stationery store to get it. Going into the supermarket is more like going to your own home and picking it up in the shopping cart with your hands open. In the innocent eyes of children, mom and dad's mobile phones have magical powers, omnipotent and endless. Just "beep!" Just shout, anything delicious, fun and delicious can be changed.
I remembered my childhood again. Two-year-old sister, with a runny nose and tears, sat on the threshold crying and crying for hunger. She thought that she couldn't find anything to eat after searching all over the kitchen. She could only chew the remaining hard moldy steamed bread like a stone, and she thought that she bowed her head to her parents and was in a panic when paying tuition every semester. I remember my parents said that during the three-year natural disaster, the whole family drank corn porridge that reflected people all the year round, and the thought of sweet potatoes and pumpkins made their stomachs sour ... and so on.
Of course, the times are developing and society is progressing. We don't need to demand that kind of life for ourselves and our children, and we don't need to tell our children the truth of "being poor for three years, being rich for three years, and making up for three years". Tell these to children now, and they will never doubt "why not eat minced meat".
There is a passage in Children in Grade Five that says, "Money is the slave of those who are good at using it, and those who are good at saving money but can't spend it are the slaves of money." For my children, I don't want them to be Grandet's two daughters. They love money like life and are stingy like ghosts. They are greedy, extravagant, shameless and selfish parasites. I also don't want them to become camel Xiangzi who can only make money by brute force and can't bear to spend money to see a doctor. I want children, as the ancients said: take the right way and use it properly.
Of course, people's financial quotient can't be formed in one day, and it needs long-term training. It's best to start from an early age. Recently, many parents have written about this. Although the contents are different, the practices are worth learning. Combining personal thinking and experience, I think we should help children cultivate financial quotient from the following three aspects:
First, behave yourself and make money. Confucius said, "A gentleman loves money and takes it wisely." This is the basic principle of our life and work, and it is also the foundation of settling down and starting a career. Always warn children that there will be no pie in the sky, and happiness needs to be achieved by struggle. It is necessary to learn technology, do something with technology, do not take ill-gotten gains, steal or rob, be ignorant, do something big, and make money in vain.
I also want to tell my children about the work process, visit the work environment and process, and often take my children to the market to buy food and go shopping in the mall. The purpose is to tell children that every penny earned by parents is well-behaved, hard-won, not falling from the sky, not picked up on the ground, and even more, "every dollar is hard." At the same time, it is necessary to tell children from time to time some negative examples of ill-gotten gains leading to ruin, so that children can have awe and know the bottom line.
Second, use money clearly. Making money tests people's abilities and opportunities, and using money tests people's wisdom and integrity. Money is a tool, so children should be taught to use it correctly and use it on the cutting edge. In addition to the basic survival needs, I think it is necessary to guide children to establish a correct consumption concept. On page 65 of Children in Grade Five, it is said that "wisdom is eternal wealth". That's true. It is necessary to guide children to pay attention to the internal improvement, downplay the external facade, understand the truth that "wisdom can't be taken away by anyone, as long as you are alive, wisdom is by your side, and wisdom is your greatest wealth", and spend more money on improving personal ability, such as acquiring knowledge and improving ability, such as buying classic bibliographies and scientific experimental equipment. Desalinate the consciousness of food and fancy clothes, dress simply and neatly, eat simply and healthily, do not blindly compare with others, do not pursue brand-name fashion, use money clearly, and avoid developing unrestrained, irrational and exaggerated consumption habits.
Third, steady and steady, capital preservation. In A Dream of Red Mansions, Qin Keqing dreamed of Wang Xifeng and told her to take a long-term view, reduce unnecessary expenses, buy sacrificial assets to prevent disasters from time to time, and prepare for a comeback. However, she didn't do it, and she couldn't save it. Finally, the descendants of the Jia family lay on their ancestors' credit books and made no progress. The financial management of this family is full of loopholes and the expenses are huge. In the end, the century-old family collapsed. This tells us that we should educate our children to pay attention to financial management knowledge. You can let your child know about your participation in the distribution of family assets and property, and you can also set up a personal lucky money savings or fund account for your child, and regularly inform your child about the income, so that your child can reap the joy of "compound interest".