But look at the news in recent years, such as "primary school students rewarded the anchor with huge sums of money", "college students' naked loan consumption" and "threatening to jump off a building without buying limited edition running shoes" If you don't teach your child about money, someone will teach him for you in the future. This person is likely to be a creditor, a profiteer, or even a liar.
As Poor Dad Rich Dad said, "Money education is not to make children become misers, but to guide them with healthy values and let them know something about money."
First, how to cultivate children's concept of "money" when they are so young?
Money education for children is an unavoidable topic, so we must talk about money for children as soon as possible!
The germination period of children's money concept is before the age of 6, the formation period is between the ages of 6 and 12, and the development period is between the ages of 12 and 18. Therefore, parents should give their children a correct sense of money as soon as possible before they are 6 years old.
Generally speaking, 3~6 years old is the best time to cultivate children's view of money. Assuming that children know how to spend wisely and control their desire to buy in childhood, they are more likely to become more patient and planned people in the future.
1, let the children know where the money comes from?
I went to the supermarket the other day and saw a child dragging his grandmother to buy snacks. Grandma said, "I have no money. How can I buy it? "
Hearing this, the child pointed to grandma's bag and said, "You don't need money to buy a mobile phone!"
So let the children know where the money comes from in time. Let children understand the direct exchange relationship between money and goods and labor. We can simulate some situations of getting money in our daily life, such as shopping some situational toys, or let children earn money through labor.
For example, when I come back from work, Eva will ask me, "Did you go to work today?" "Why did you go to work?" Although they are all random questions, our answers should be taken seriously.
At this time, I can tell him, "Because I can make money, we can use the money my father and I earn to eat, drink and have a holiday. The food you eat at home, the bed you sleep in, your picture book and toys all need this money! "
For babies, we don't need to talk about money too abstractly. We just need to let them know that money is obtained through hard work, not what you want, nor is it inexhaustible.
2. Let children learn to make choices.
There are too many temptations now, and there will be consumption where there are people, such as statue paintings, fishing, water guns, small trains, bumper cars, catching dolls and so on. In the park, there is not a child who is not an expert in every project.
At this time, we should teach children how to control their desires, and let them understand that they should not shop on impulse, think calmly and control their desires.
Before going out, I will discuss with Eva what projects to play today, or what the budget is today.
For example, "we only bring 80 yuan, and there are other expenses at home. You have to decide which one you like best."
"Well, I like taking the rail train and the carousel best."
"Okay, the train and the merry-go-round are 30 yuan once, and 20 yuan. Oh, you can only play one project. "
Sometimes, when the planned project is finished, the baby regrets it and wants to go fishing, crying and playing tricks more.
Although it is only a matter of twenty or thirty dollars, the glass virgin is not good for the growth of children. We should satisfy our children's wishes and let them feel our love, but we should also say "no" to them at an appropriate time.
Tell the child, "Shall we play first next time?" But I really can't this time. "
As for how much money to spend on children and how many projects to play, each family can make a choice according to their own consumption habits, and the specific amount is not the most important.
Teach children to distinguish their own needs, recognize the relationship between their own desires and reality, throw problems back to them, and let them learn to think and choose. Let children understand that things are bought with money and money is limited. That's all that matters.
3. Let money be a good assistant for children's happiness and progress.
Give your child some pocket money or some lucky money regularly, help your child set up a piggy bank or open an account in a bank, and let the child manage his own money. The use of various expenses is up to them.
Children are often allowed to buy or do things they like with the money they manage or the money they earn from their own labor, so that they can feel the beauty that money brings to life and enjoy the happiness of spending money. Let children know that money is an assistant to help us live a better life.
For younger children, parents can appropriately "decentralize". For example, children below 20 yuan can make their own decisions, and those above 20 yuan need to ask their mothers for instructions except books. Children just want to buy snacks or toys, not to mention "using their own money"!
Be sure to give him a choice, even if it is trial and error, let him experience it himself. Whether the logic and reasons of children are consistent with yours (after all, even adults have different views on "worth it"), at least children will begin to learn to think about the value that goods can bring.
Fourth, let's take a look at the mistakes that are easy to make in this process:
1, crying with children.
Crying poor is not a good choice, which will reduce children's sense of security. Children will be more eager for money in the future and may do whatever it takes to get it. Parents can tell their children the real situation of family income instead of crying poor.
2. Spending money lavishly on children.
Some parents think that raising children with money means "meeting their material needs as much as possible and spending money lavishly", but they don't know that the habit of spending money lavishly is irreversible. The more parents meet, the more children want it. Spend a lot of money on children, so that they don't know that money is hard-won, and they won't make money well in the future.
3. Talk generously with children about money.
For example, when eating, it is best to make a list of family bills between husband and wife naturally. The children will be curious to see it. You can communicate with your child about the family's monthly expenses, so that your child can have a basic understanding, and you don't have to force it.
5. Give pocket money to avoid the following situations.
Children should not get any remuneration when performing their personal duties. Children should not be rewarded with pocket money for doing basic things such as homework, study hobbies and sports. Learning is for yourself, and learning is not rewarded.
As a member of the family, cleaning, washing dishes, doing welfare together and helping others should not be given pocket money alone, but can be given honorary recognition such as red flowers and medals.