Author: Lemon Yellow (Columnist of Fushu)
"Mom, just use your phone to scan..."
My son's words made me at a loss for a moment.
Last weekend, I took my son who was over 3 years old to visit a new supermarket nearby.
My son fell in love with a toy worth 99 yuan and must let me buy it.
I think it's expensive, and it's similar to the one at home, so I said to my son:
"This is too expensive. Our family has a lot of similar things, they are all similar. I'll go home to play later."
But my son still refused to give up. He was confident and said seriously: "Mom, just use your phone to scan..."
I was stunned for a moment, and suddenly realized that my son's money education should be put on the agenda.
Children always think that money comes out of their phones, and there is endless money in it. Just scan it and you can get all the things you like.
Educator Merkel said: "Money education is a compulsory course in life and the focus of children's education, just as money is the center of attention of family. "
As someone said, childhood will deal with money, and in the future, we will deal with society.
A child who can spend money can be more proficient in his life and benefit for life.
Children who can spend money and cannot spend money, live a different life after 10 years.
Children are not educated well,
No matter how much money parents make, it is useless
Video of a mother selling a house has attracted the close attention of netizens.
My mother was preparing to pay off her mortgage, but suddenly she found that the bank card that originally had more than 200,000 yuan was now only tens of thousands of yuan left. Later I learned that it was my 12-year-old son who recharged and played games.
recharged 13 times in a day, and 588 yuan was rated at one time, and 3,000 yuan was recharged at one time in one day... It cost more than 170,000 yuan.
This mother bought a house with a loan and was unable to repay the mortgage, so she had no choice but to sell the house.
Seeing those strings of numbers makes people feel distressed and angry.
In the process of children's growth, they lack the correct sense of money. In the eyes of children, money is just a piece of paper. It has no meaning except to realize the happiness of buying by yourself.
In the end, simple children and ignorant behavior became the root of the entire family tragedy.
The author of " Poor Dad Rich Dad " said:
" If you can't teach your children about money, then there will be other people who will replace you in the future, such as creditors, police, and even liars. If these people teach you financial intelligence to your children, I'm afraid you and your children will pay a greater price. "
So, don't think it's too early for money education.
The money parents steal from their children will be retaliated back one day.
is unique.
In order for his son to be able to study abroad smoothly after the college entrance examination, his father Wang saved 300,000 yuan, but his son lost all of them in three months.
It turned out that after the son's college entrance examination, Dad Wang saw that his son went out for dinner every day and often did not go home at night, so he was not vague in his food and clothing.
Once, Dad Wang saw his son wearing high-end running shoes again, so he couldn't help but go to the bank to check his son's turnover. Seeing the result, he was shocked.
In the past three months, there have been 50 pages of consumption items, all of which are eating, drinking and having fun, and the balance on the card will be cleared soon.
3 months, spending 300,000 yuan.
Dad Wang looked worried. He was just an ordinary working class. He worked hard to save money for his son to study abroad.
I never expected that even though these children were about to become adults, they still didn’t know how to spend money, were trapped by money, and ruined their future lives with their own hands.
There are some things that no matter how old you don’t tell your child, he will never understand, and money education is even more so.
Writer Sanmao said: "Comedies in the world can be produced without money, and most of the tragedies in the world cannot be separated from money."
It is precisely because they do not know the hard work of making money that they spend their money arbitrarily. When the "avacancies" in the end, no one in the family was innocent.
The lack of money education, no matter how much money parents earn, it is futile. Not only does it pay a "huge" price, it also destroys the happiness of two generations.
Children who "can spend money" will not be worse in their future lives
See in the book, the story of Lu Xun.
When Lu Xun was a child, he collected New Year's money and would buy his long-awaited reading materials and paintings.
Because the amount of New Year's money was small at that time, he couldn't buy a book, so he bought it with his younger brothers.
html When he was 312 years old, he and his second brother Zhou Zuoren bought a book "Mao Shi Crystal Picture Pictures" together. This is a book he has liked for a long time.
Another time, they bought a book called "Haixian Painting Book" because they didn't have enough money.
Later, Lu Xun saved enough money himself and bought another one for collection.
As adult Lu Xun not only became famous for his writing, but also ensured his quality of life.
Sure enough, wherever you spend your money, your pattern is.
Zhou Guoping teacher said: "A person can earn a lot of money by intelligence, hard work and luck, but spending this money depends on wisdom."
One sentence is enlightening.
correctly controls money, reflecting a person's thoughts, character, and even vision.
Wherever you spend money, you will get it, and where your personal value and quality of life are reflected.
American rich man Rockefeller, that's it. Children from the
family will pay fixed pocket money every week starting from the age of 6, and this money is completely controlled by themselves. However, the child must record every penny he spent, where he spent it, and let his parents check it out.
If parents find that their children dominate unreasonably, they will give suggestions.
These children have learned to consume, save, and manage their finances since childhood, and have also trained their willpower and the ability to delay gratification.
Today, Rockefeller family has flourished for six generations.
Child Psychology Experts point out: "Children's concept of money and financial management methods will benefit their whole life in their childhood."
Children who have had a correct view of money since childhood know how to deal with the relationship between desire and money, and live their own life within their ability. Such a child will be more likely to succeed in the future.
Compared with those children who don’t know how to spend money, learning to use money is the most precious life wealth left to their children by parents. Because a person's attitude of controlling money reflects his control and planning ability for future independent life.
So, instead of teaching children to save money hard, it is better to teach children to spend money correctly.
No matter whether you have money or not, you must teach your children to use money well
In the movie " A Shopping Mad Confession ", editor-in-chief Luke said: "People who really know how to spend money know where to use money."
Indeed, the real way to spend money lies in letting children have a correct understanding of money. When dealing with money, we are no longer a "rich man" who is generous, but a self-disciplined and a planned "living man".
Learning to spend money is a compulsory course in children's life.Through correct guidance from parents and cultivating their children’s view of money from an early age is the most precious gift parents give their children.
1. Learn to save, consume
Once chatting, my best friend shared my daughter’s story.
Best friend got a passbook for her daughter. Every year, the child’s New Year’s money is stored, and the daughter will also save the bonus she has accumulated in her usual amount.
As the daughter grows older, when she spends money, she will consider in advance whether she must buy it. She will slowly learn to spend rationally and save money without spending.
She also said proudly: Mom, I will use this money to go to college in the future.
The money accumulated by children themselves is something to be proud of when they are used in meaningful places.
Parents should teach their children, delay satisfaction, adhere to reasonable consumption, cultivate good habits, and grasp their own lives.
2. Cash payment, intuitively and clearly
On Weibo, a mother shared her experience of educating her children.
Once, I took my children to a flea market and set up a street stall to sell small things. Sometimes, customers have to scan the code to pay directly, and I will persuade customers to exchange change and banknotes for their children.
Mother believes that although it only costs one yuan or two yuan, it can let the child know what he can buy for one yuan and what he can't buy.
cash payment, more specific and clear. The purchasing power of every banknote becomes a scale in the heart of children.
Intuitive cash can control children's desire to consume and better understand the value of money.
3. Make a good budget and freely dominate
The moment when a mother talked about her son touched her.
One day, my son told her that the teacher's cup was broken and she learned that she had a week's pocket money and was not enough to buy a cup for the teacher. The son said, "I don't need money next week, I will save it first."
As an old mother, she was suddenly moved.
allows children to freely dispose of a certain amount of pocket money and moderate freedom of money to help children learn to allocate and make choices.
Every amount of money they allocate will become the experience accumulated on the road of life in the future, helping to a brighter life.
Economist Yang Changjiang said:
"Chinese children have no sense of money at all, and children don't know where money comes from.
In the eyes of children, money is like a toy, a piece of paper that can be fiddled with at will. They completely ignore the labor efforts behind money."
Young children have never suffered hardships and do not understand the difficulty of adults making money; they have never suffered hardships and do not know how tired adults make money.
Learn to manage money and maximize your value. Spending where you should spend is the "art" of life that children should experience from an early age.
The family has money and you have to teach your children to spend money, because no matter how much money your parents make, they may not be able to make a fortune for a year.
On the contrary, if the family has no money, you have to teach your children to spend money, because you have to be careful in your life and be careful.
Those who can spend money are the real rich people, becoming richer and more prosperous, and their lives are getting better and stronger.
So, no matter how much money is, you must use the money well, buy it "picky" and use it seriously.
Author Profile: Lemon Yellow, a columnist of Fushu, writes the words you like and live the life you want, this article: parents carefully read, the copyright of this article belongs to Fushu, and it is not allowed to be reproduced without authorization, and infringement will be pursued. Fushu 2018 launched a new book "Life Good"
