The traditional family education in our country is unwilling to let middle school students touch money, thinking that holding money from an early age will make children's thoughts adversely affected by the smell of copper. This kind of passive prevention leads to the phenomenon that middle school students lack economic consciousness, blindly consume and can't manage money. In fact, middle school students, as family members, cannot avoid dealing with money. It is unrealistic to try to create a vacuum consumption environment for middle school students. Therefore, it is very beneficial for the healthy growth of middle school students to pay proper attention to enhancing their economic awareness and improving their ability of discrimination and analysis.

In order to let children study and live better, most middle school students' parents regularly give their children some pocket money, ranging from tens to hundreds of yuan. However, by the end of each month, students have used up their pocket money. Many students have all kinds of unfamiliar prejudices and misunderstandings about the basic problem of financial management, and even when they are "penniless", they don't know where their money has gone.

Because junior high school students are young, parents generally don't give too much pocket money. The vast majority (about 79%) of junior high school students have lower monthly pocket money than 50 yuan, but 5% of them have a monthly pocket money of more than 100 yuan.

According to the survey, among the expenditure items of students' pocket money, 70% of the respondents often buy food and drinks, ranking first, followed by stationery, books, newspapers and magazines, tapes and CDs.

The survey results show that most students have the problem of "indiscriminate consumption and poor financial management ability". Poor financial awareness is the main reason for poor financial ability of middle school students. As some students said, "Many students think that' money is a thing outside the body' and' hands should be generous'; Some people think that' it's annoying to calculate' and' saving money can't save a few dollars' is not as good as' spending money today'. " Therefore, a large part of students' pocket money is wasted on incorrect financial management concepts. The family's neglect of cultivating children's financial ability is an important reason for the poor financial ability of middle school students, and the school's financial education for children is rarely involved.

Therefore, parents should carry out necessary financial education for middle school students, for example, cultivate children's good consumption habits and know how to compare shopping and consumption; In some discussions about financial problems at home, it is advisable to let children join in appropriately, understand the truth of moderate consumption, and prevent and put an end to the problem that some children take money from home privately and borrow money at will.

I hope students can develop the following good financial habits:

First, learn to consume, understand the necessary consumption rules, form a correct concept of spending money and accounting, and gradually develop good living habits. For example, when you need to buy things in your life, you need to know which ones to buy, which ones not to buy, and which ones are cost-effective.

Second, understand that money is hard to come by. We should correctly understand the role and position of money, understand that money is the result of labor, cherish the fruits of parents' labor, don't waste money, and form a good habit of thrift.

Third, look for opportunities to participate in savings deposits and increase financial knowledge. For example, holidays, birthdays, lucky money, gifts from elders or relatives and friends can be deposited in one lump sum, so you can plan your own management and experience the taste of financial management.

Fourth, get some investment knowledge. You can collect stamps and coins, and you can learn to buy funds and bonds when you have the opportunity.

Fifth, make good use of pocket money for school supplies, transportation expenses and small donations among classmates.

In today's world, financial management ability is an indispensable part of a person's survival, and it is also an important content that cannot be ignored in quality education. To cultivate and exercise this ability, experts suggest that children should pay attention to cultivating their own financial awareness when they are eight or nine years old, and parents and schools should actively guide them when their financial management concepts are formed in middle school.