Last night suddenly realized: this year's double eleven actually passed... Over... Over...
Don't know what you bought? I seemed to be busy at work all the time and wasn't buying too many things.
A few days ago, when I was unplugging the courier, Xiaowan and Xiaoyi suddenly asked me "what is double eleven", and I said that it was the day of the merchant's discount promotion. They are very puzzled, so since it is very cheap, why not buy more?
Sister Qian replied, "Because Mom doesn't need to." ”
Xiao Wan and Xiao Yi: "Mom, I need, buy me another box of Ultraman!" ”
Sister Qian stopped: "Then buy it with the money you "earned"!" Mom doesn't have that much quota on her list. ”
The two brothers lost power in an instant... Speaking of this, I think that every day my parents are buying things, in addition to the "promotion festival" of Double Eleven, it is indeed a very important thing to talk about money with children.
Is it necessary to talk to children about money?
Many parents rarely "talk about money" with their children, and even deliberately avoid related topics. When children talk about money- and money-related topics, they often use: "You don't have to worry about this, you just learn well!" "Come on prevarication. Some people are worried that "talking about money" with children too early will make children material, accidents, comparisons, and worship of gold.
Not necessarily. Educator Merkel once said: Money education is a compulsory course in life, but also the focus of children's education.
Money education will actually involve children's sense of boundaries, values, how to create value for themselves, the meaning of survival and other aspects of the concept.
When the sense of boundaries for money is blurred, it is often taken for granted that my parents are mine, and others are also mine...
There are too many similar stories, and the child should rightfully take away the money in his father's card to charge the game, spend tens of thousands or even hundreds of thousands of dollars a day...
When avoiding money education from an early age, or often suppressing the needs of children, this sense of lack can easily cause children to distort their values in adulthood, take excessively, and have no control over money, which may become a "bottomless pit personality" in corruption dramas.
Petty officials and huge greed are the ultimate portrayal of being deeply consumed by the lack of money from childhood, and the extreme distortion in the heart, once the opportunity is caught, they will continue to obtain materials and money to fill their own emptiness.
How to establish a child's view of money
So how do you talk to your child about money? You can't always pour all the hardships of adults into the child, right?
The general principle is values> values> prices. Robert Kiyosaki, author of "Rich Dad Poor Dad," once said that money concepts and financial education are "education at the dinner table" and cannot be learned in school.
Generally speaking, when the child has desires, the formation of the concept of money has begun.
Teach children to "recognize money"
When the child is 3-4 years old, he will take different banknotes and coins to teach him to identify the denomination size. Then you can try to get him to learn the equivalent exchange of coins, make games to buy and sell things, and even let the child help his parents to purchase. Let the child understand the process of buying and selling, help him understand that the value is more important than the price, and establish the value concept of money.
Bringing children "for money"
Parents need to tell their children that money is obtained through the hard work of parents every day, and one point of hard work will have a harvest. If you have the opportunity, you can take your children to your own place of work, experience the process of making money for parents, and also let your children participate in labor and family division of labor, and get a certain amount of remuneration (but it is not recommended to do housework to give money, extra labor can be rewarded, but the work of family members is for everyone to participate. ）
Let children understand the source of money, take it from the way, and respect the fruits of other people's labor. "Because we create value, we're valuable."
Let the child "manage the money"
You may wish to let the child dispose of and manage some of the money by himself, such as pressing the old money and pocket money. Discuss together how to be the most reasonable, give the child a piggy bank or open an account, and guide the child to save the excess money and get compound interest. At the same time, like the idea of children transmitting the rational use of money.
Chen Ming's approach is worth recommending.
Give your daughter a fixed amount of pocket money, and after receiving the pocket money, all the children's own expenses will be paid by themselves. In this way, the child will take the initiative to plan his own income and expenditure and control it reasonably.
There may also be a windfall!
The above principles, summed up in one sentence, is to cultivate children's good financial quotient, in fact, is to let children feel "no lack of love". Compared with material scarcity, the dissatisfaction and self-confidence in the heart are the root causes of "people's poverty and short aspirations". Money is always limited, but how to help children use the finiteness of life to obtain infinite meaning is the purpose of "talking about money". Let children not lack money, and do not lack love, is the most successful education. So try to talk to your children about "money" and let them understand from an early age:
1. More important than price is value.
2. More important than work is life.
3. It is more important than learning to be a person.
4. More important than harvest is sharing.
5. More important than family circumstances are boundaries.
6. More important than wealth is happiness.
7. Even more terrible than lack of money is the lack of love.
These common "routines" can be counterproductive
Some time ago, I saw a small joke:
A child takes the first place every time, and suddenly takes the second place. Dad asked incomprehensibly, why did he only take the second place this time? The child replied, "Because the second test is more cost-effective than the first." ”
Dad was puzzled. The child explained: "When I take the first exam, you will give me a hundred, and my classmate will give me a thousand when I take the first exam, and his father will give him a thousand, and he promised me that he would give me five hundred in the first exam..." Is it also the "routine" that you usually use to educate your children on weekdays, such as paying for housework, material rewards, etc.? But in fact, some of our usual "routines" may be as counterproductive as this little joke.
Deal with borders with caution. Do not express the family's economic situation in general or deliberately. When the child asks, "Do we have money in our family?" Wise parents can say "I have, you don't." But in the future, if you try hard, you will have it. "A clear sense of boundaries, whose property rights belong to whom."
Use substance stimulation with caution. One is to avoid children from being lazy and doing wild comparisons, and the other is to motivate children to be proactive and reserve strength for the future. The sense of boundaries is a very important point in financial and business education.
Be careful about housework as a money-making opportunity. Personally, it is not recommended to pay for household chores such as washing dishes and wiping the floor, because housework is the responsibility of each family member. Reward responsibility, it is easy for children to take responsibility as an additional task, which should be shared by everyone, why give money? Public labor and public welfare activities may be rewarded. For example, cleaning up community garbage can specify work standards and remuneration mechanisms.
Ideally, guide children to combine self-worth and hobbies. Older ones can also participate in gig work and experience their social value in their spare time.
A tool for "talking about money" with children
Cultivating children's concept of money is more about daily money education. Some books, movies, and documentaries are good tools for financial enlightenment. Is a personal recommendation, you can search on demand, when Jingdong can buy.
"Money management is really fun"
A set of books that focus on children's financial and business education. Starting from the actual life of children, help children understand that money will cost money and will manage money to learn to make money.
"Anti-Coddling"
It is the most popular finance and business class, and has topped the Amazon education list for 3 consecutive years. 9 practical financial and business management classes for families, so that children can learn money management in their daily lives
The Smile Shop
Help children see "price", cherish "priceless", do not lack money and do not lack love, have a smile and be more optimistic.
"Puppy Money Money"
"Buffett of Europe" Bodo Schaefer uses vivid money fairy tales to dismantle the seemingly complex laws of wealth one by one, and further guides how to practice confidently and resolutely in life. A financial and business cheat book that both adults and children can read. Documentary "The Way Out"
3 children's growth photo album, education, is the biggest threshold. No matter where the road is, you choose the way out. In fact, all money education ultimately lets children know that if you have money and no money, love is happiness.