A few days ago, my colleague Kobayashi shared a particularly interesting thing with me. On the weekend, her husband went out alone with his son, and when he came back, he saw the new clothes he was wearing, and he suddenly felt bad: this idiot gave his 4-year-old son a random money. Sure enough, a coat of just the right size cost more than 700.
"My husband is a very frugal man, but he pays for how much he spends on his son. You said that the dress, bought the bigger, after this year can still wear, he bought just right, the child grows so fast, in a few months, this dress will be blind! When it comes to spending money on our children, we are really irrational! ”
Listening to Kobayashi's complaints, I thought that many parents around me have such a situation. Toys, clothes, education, all problems involving children, will lose their minds when it comes to spending money. Parents love their children unconditionally, and it is understandable that they spend money to buy all kinds of things for their children. But pay attention to proportions, otherwise this habit of spending money will have a great impact on children!
Spending money indiscriminately is not just "indiscriminate spending"
Parents who are willing to spend money unconditionally on their children do not agree with the three words "spending money indiscriminately". The original intention is to love children, the purpose is to be good for children, how can you say that you spend money indiscriminately? But in fact, in a well-heard environment, children are easily affected by "spending money indiscriminately".
1. There is no correct understanding of the concept of money
The neighbor Mr. Wang's two sons are typical of indiscriminate spending, as long as they think it is useful to their children, they will spend money to buy it. He once spent more than 10,000 yuan to buy a writing desk for "preventing myopia", and under the influence of his parents, when his son was in his first year of junior high school, he was cheated of more than 30,000 "counseling fees".
It is precisely because the parents of "spending money indiscriminately" never tell their children how to spend the money, which leads to their children being deceived.
As Robert, the author of "Rich Dad Poor Dad", once said: "If you do not teach your children the knowledge of money, there will be others who will replace you in educating your children in the future. It's a creditor, or a profiteer, or a policeman, or a liar. ”
2. Irrational consumption
Today's college students have no fixed source of income, but they use the latest and most expensive mobile phones, wear bright clothes, and enter various high-end shopping malls... The data shows that 65% of college students use the campus online loan platform to meet their own needs. A large part of the reason for the unconscious advance consumption is that the parents do not give the child the correct understanding of money, resulting in irrational consumption.
Money is spent on the "blade"
I once discussed the topic of spending money on children with 30 friends, and 37% of parents said that the standard of living has improved, and it is not difficult to spend money on their children; 56% of parents said that money should be spent on the blade; the remaining 7% said that if there is, they will spend it, and if they do not, they will not give it. Although, how much money is spent on children, how much is spent is up to the parents, but in the end it affects the children. Therefore, I prefer to agree with the idea of spending money on the "blade". Money is spent on the "blade", not to instill the concept of family poverty in children, but to grasp the proportion of spending money and help children establish a correct view of money.
First of all, establish a correct view of money for children
Xiao S once exported her education on her children's view of money in a variety show. The reason is that the eldest daughter is interested in a dress of more than 1,000 pieces and sends a message to Little S saying that she wants it very much. Little S immediately refused her daughter's request on the grounds that she was young, should not buy such expensive clothes, and should not spend money indiscriminately.
A piece of clothing is nothing to a family like Little S, but she did not meet her daughter's requirements, but gave her the right guidance. Although in the end, Aunt Big S bought this dress for her daughter, she also repeatedly stressed that it was the aunt who gave it to her daughter as a gift for the first place in the dance. In fact, sometimes, parents' management of money and choices affect their children's cognition of money in every word and deed.
Second, give your child the right to dispose of money
A professor engaged in adolescent psychology research at Beijing Normal University believes that the embryonic period of children's concept of money is before the age of 6, the formation period is 6 to 12 years old, and the 12 to 18 years old is the development period.
Therefore, parents are advised to give their children the right to dispose of money after they are 3 years old. And tell the child that money can be spent, but according to their own needs. If you don't have money because of indiscriminate spending, your parents will not give extra money.
Finally, understand that money is obtained through labor
Most people's living conditions are getting better and better, and they are willing to spend all kinds of money in the growth of their children, so they create an illusion of "money is out of hand" for children. In fact, as parents, we have the obligation to let our children understand that money is earned through labor, and parents' money is not blown by the wind.
In order to let the children understand that money is earned through labor, I began to make some plans to "earn money" after consulting with my brothers and sisters last year. For example, fold a piece of clothing for 5 cents, sweep the ground once, wash dishes 2 pieces, etc., and use daily housework activities to let them get the corresponding remuneration. Whether you want to buy toys, stationery, or books, you need to earn money to get them.
The "Survey Report on the Cultivation of Family Finance and Business in China" shows that compared with many developed countries, the family finance and business education in our country started late, and there is a lack of financial and business education for children.
It is true that financial and business education has so far belonged to a relatively backward stage, but it plays a vital role in everyone's life.
Financial quotient, IQ and emotional intelligence are listed as the three indispensable qualities and qualities in modern society, which shows how important it is to attach importance to the cultivation of children's financial quotients!
In the early hours of the morning, mom came to nag:
In the book "Special Cruel Heart, Special Love", there is such a passage: "The love that parents give to their children is too much, and they can't bear to let them experience the hardships of life, and they don't know how to ask them, which eventually leads to the children's lifelong hardships, and they ask for them for a lifetime!" If you don't want your child's future life to "suffer losses", financial and business education must be taken seriously!
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