Children who spend money when they are young may not be able to control spending money and save money when they grow up. Serious children may also manage their parents to squander money at will after they reach adulthood, ask their parents to help themselves, and become "old people". It can be seen that it is very important to educate children in the concept of money from an early age, and parents must not ignore it.
In daily life, parents should pay attention to their children's financial and business education as soon as possible, make up for the shortcomings of school education, make up for the explanation of most schools without money knowledge classes, and avoid children's lack of understanding of money, and spend money indiscriminately after growing up in the future.
So, how can parents cultivate their children's view of money?
In fact, education focuses on the details, on every minute and second of daily life. For example, when a child asks his mother for money, a word from the mother may affect the child's view of money. Parents should pay extra attention when talking to their children about money.
"Mom, I want 100 yuan", the different practices of the two mothers, determine the child's different view of money
The two mothers chatted at the school gate, and their children were nearby. The children had a good relationship, and they decided to go to the newly released movie together in the evening. So, Xiao Li looked up and asked her mother for money to buy movie tickets: "Mom, I want 100 yuan to watch a movie, and we will go at night." ”
The mother did not say a word, took out 200 yuan and gave it to her son. The son was overjoyed, kissed and kissed the money, wrapped his arms around his mother's waist, and smiled happily.
But Xiao An's mother did the opposite, and Xiao An also looked up at her mother to ask for money: "Mom, I want 100 yuan to watch a movie." Seeing this, the mother crouched down and patiently asked her son: "What is the name of the movie?" Where are you going to go to the movies, how many tickets are you going to buy, how to get around, and how much do you expect to cost? ”
A question from her mother, embarrassed Xiao An, Xiao An pondered for half a day, blushed, and then answered her mother: "The movie is a newly released movie, which may be more than ten dollars expensive." I plan to buy my own ticket, about 30 yuan, I take the bus with my companions for 4 yuan, and I expect 50 yuan to be enough. ”
In this way, Xiao An answered her mother, and her mother took out 50 yuan from her pocket and gave it to the child. Then, instruct the child to say: "Mother will give you another 40 yuan, which is counted as a reserve fund." You can choose to buy tickets for your companions, and the two of them will buy some snacks. This is the second time in this month that your mother has given you pocket money, and my mother will keep an account for you when she comes home. Xiao An took the 90 yuan, nodded, and smiled happily.
Parents' money concept education affects children's spending habits
Let's analyze it, at the campus gate, two small children are in charge of their mothers to ask for money, but the two mothers' approach is really different! The first mother directly gives the child money, how much the child wants, how much the mother gives. The second mother did not promise the child the amount of money, but asked the child what the use of the 100 yuan was.
Then, guide the child to calculate the cost of money and use this part of the money correctly. It is worth noting that the mother knows how to plan money, until the end did not give the child 100 yuan, but gave 90 yuan.
A look can see that the second mother's view of money is indeed more worthy of respect, and children will re-examine money under such a correct concept of money education, and know how to save and reasonably dispose of money.
Facts have proved that different financial and business education, the children educated are also very different. Xiao Li often spends money to spend a lot of money, invite guests to dinner, take his mother's hard-earned money, and completely improper money. His parents, on the other hand, were just ordinary wage earners, and their salaries were not high.
But Xiao An's mother, giving money to the child is not very generous, she is the deputy manager of the company, the economic strength is very strong, very rich. Under the cultivation of his mother, Xiao An is very cautious about spending money, and he is accustomed to saving up pocket money to buy what he really needs.
The behavior of the two mothers reflects their own view of money and affects the child's spending habits. From the perspective of financial and business enlightenment, it is still the second mother's approach, which is more reliable. Mom understands very well that it is necessary to actively cultivate the financial intelligence of children from an early age.
Financial and business education is the key, and it is necessary to actively guide children from an early age
1 Let the child understand what money is and where it comes from
Some children have no feeling for money, only know that if their parents ask for money, they will have money. The child does not know, what is money, where does the money come from? Parents should gradually infiltrate and tell their children that money is exchanged for blood and sweat, and it is the income of their parents' labor.
If you have the opportunity, let the child experience the process of making money. For example, the roles of mothers and children are exchanged, allowing children to do housework, and mothers give children "wages", so that children can experience the hard-won nature of money. Perhaps, the child will be able to do it and cherish the money.
2 Prepare a financial and business enlightenment book for children, and accompany children to read and learn
Reading makes people benefit for a lifetime, the knowledge point of the concept of money, parents infiltrate their children as soon as possible, and enlighten their children as soon as possible, and children can have a correct view of money. When I first educated my children on the concept of money, I also used this set of financial and business enlightenment picture books to educate children in the invisible.