visited the supermarket a few days ago, I saw two children in the community, Huanhuan and Dongdong, shopping, and I felt quite touched.
Huanhuan is very happy to fill the shopping cart with things he likes, but Dongdong can only dryly ask, "Are you all buying these? Where did you get so much money?"
"Well, pocket money? ! Mom gives me pocket money every week, won't your mother give it?" The kid replied triumphantly.
Dongdong shook his head enviously and disappointedly after listening to it...
Seeing this scene, Li Zi could also understand Dongdong's mood at this time. When Lizi was a child, because her family was poor, she saw that other children had small toys, but she wanted them but didn't dare to ask her family.
is just like a line in "Youth School": "Children also need money to press their pockets to straighten their body." So at that time, I didn't have pocket money, naturally I couldn't straighten my body, and the seeds of inferiority were planted here. of.
had no pocket money when he was young, let alone spend money. It was not until I grew up that I realized that my concept of consumption and money was lagging, let alone financial quotient!
I remember the educator Merkel once said "Money education is a compulsory course in life, the focus of children's education, just as money is the focus of family." Do a good job in money education, pocket money is very valuable Teaching Tools.
experts believe that through pocket money, children cultivate the awareness of living within their means from an early age, and also exercise his ability to make long-term considerations and plans when spending, and develop a good habit of saving regularly .
In the era of material abundance, many parents now give their children pocket money, but has not grasped the essentials, and has not made pocket money a useful financial education tool,
, so today Li Zi will share with you 9 sciences about pocket money. Tips to use, promise me, I must see the end!
01
start as soon as possible
Studies have shown that most 3-year-old children have a preliminary concept of money. By the age of 5, the concept of saving money has begun.
mentioned in the Jewish "Family Education" magazine that the earlier the financial ability is cultivated, the higher the annual income in the future. Therefore, children's money education is never too early!
As for when will the pocket money be given? It varies from person to person , Generally speaking, it is recommended to go to school, because at this time the child has mastered addition and subtraction and has the ability to control money.
02
Determine the amount, and formulate rules
Give too much pocket money to fear that the child will waste; give less, and fear that the child will feel inferior. How much pocket money is appropriate?
Parents can make a decision based on the pocket money of the children of the same age around them and their family situation, and then will discuss with the children to determine the amount of pocket money, in what form, and then give it regularly, and adhere to the principle.
For example, give the child 10 yuan a week, adhere to the principle, do not default and do not give too much, except for special circumstances, you can predict the pocket money next week
In addition, it is not recommended to pay for housework, because the child is also a member of the family and does not need to be exchanged. Otherwise, it is not conducive to the cultivation of the children's sense of family responsibility, and once the guidance is not good, it is easy for the children to develop a mentality of profitability and conditions.
Determine the amount and formulate rules
03
clarify the purpose
Before giving your child pocket money, you must do your child’s ideological work, let the child understand the meaning and function of pocket money, and tell the child how to use the pocket money?
financial experts Used in three areas: consumption, saving and giving .
consumption: buy toys, snacks and entertainment, etc., and guide children to consume rationally
savings: encourage children to set savings goals, spend about 1/3 of the money, complete the goals, and develop the habit of saving;
give: for family, Friends buy gifts, donate love, etc. While cultivating children's financial education, they should know how to behave, form a good character, and know how to share and care for others.
Where to spend money
04
Learn to book accounts
If the child is still young, parents can and their childrenRecord the whereabouts of the pocket money together and tell him how much was spent and how much is left.
When the child is a little older, ask him to write down every expenditure himself, and review the account book with the child regularly every week or every month to help the child analyze every expenditure , make reasonable consumption, and develop good financial management habits.
05
Make savings visible
For younger children, enhanced visual effects can help children save. Parents can prepare a transparent jar or piggy bank, and then let the child put the money in it.
When a child saves money, he can really see that his money is growing; when using money, he can also see that his money is decreasing. In this way, the child can really feel the change in the amount of money, which helps him to control and save.
In addition, when the child is older, parents can open a bank savings account and tell him the concept of interest, and then let him feel the benefits of savings, and further strengthen the action on savings.
"
06
" distinguishes "need" and "want"
Financial and business education in American elementary schools starts with the distinction between "need" and "want". "Need" is a necessity in life, and "want" is to make life change Better things.
Before the child consumes, let the child list the things he wants to buy, prioritize them, and guide him to use relevant knowledge to judge whether these things are necessary for him.
When the pocket money is not enough, guide him He made a trade-off and used the money on the knife.
07
gave children the right to autonomously control
. In the book "Children and Money: Parents' Guide," it was mentioned that "pocket money is the best learning tool for children. They need to deal with it themselves and make their own mistakes. "Z1z
Therefore, for pocket money, we should give children enough discretion and allow them to "trial and error", such as buying things below 10, the children can freely decide; another example is when the child buys a toy that is similar to home , Can guide him to buy other different products, will it be better.
believes that after trial and error, and bear the consequences, the control of pocket money will be better.
08
lead by example, teach
parents are the best teachers for their children In daily life, parents should lead by example, teach by precept and deeds, such as shopping the front list; before buying large items, or items with a large amount of money, make a strategy, shop around, and tell their children the concept of discounts.
children are very Be careful and learn the concept of money by observing and imitating the behavior of parents.
09
makes learning and practice fun.
Parents can watch some cartoons about children's financial education with their children, such as "Buffett Mystery Club", "Genius Children", etc. , You can also read some picture books or books, such as "Economy is Fun", "Puppy Money", etc. In addition to learning, you can also play some interesting games, such as the Monopoly game.
Of course, financial education is inseparable In practice, on weekends or holidays, parents can let their children buy daily household necessities together, or purchase goods together, so that children know how to make money from buying and selling.
pocket money is actually the enlightenment of financial education and a valuable teaching tool. It is also a good way to teach children financial responsibility and money awareness.
Give pocket money to the right is love, and give it to the wrong is harmful. The above are 9 scientific and useful suggestions to share in this article. Use the right pocket money to benefit a child for a lifetime.
