The child is now more than three years old, always want to go to the supermarket to buy things, I told her, everything in the supermarket needs money, can not be taken casually. Since then, she has recognized money.
Once, I pointed to a coin and said it was money, and she found that the coins could be used to buy items, and she would put them away when she rummaged through the house, and her father bought a piggy bank for her, so she had the "first pot of gold."
I believe that this is the beginning of the "money concept" education for children.
What is the "concept of money", "concept of money" refers to people's concept and understanding of money.
The best money-earning Jews taught their children the "concept of money" in order to make them understand that money must be earned by themselves and spent by themselves. The Jewish "view of money" taught their children how to accumulate, acquire, and manage wealth from an early age. This is also an important lesson for their future success.
How important is a child's correct "view of money"?
In the past, when we were in middle school, the school was militarized, and we could only go home once a month, so parents would give all the pocket money every month.
There is a student in the dormitory who loves to keep accounts, and he can remember the expenses every day clearly, so that he can have a bottom in mind. Once, my mother saw her account book and said angrily, "You can't study well, and you have learned to be an accountant?" ”
In fact, many parents, like this mother, are ignorant of their children's "view of money" education.
First, the correct "concept of money" can make children spend less money and learn to earn money
Parents often tell them: "We earn money just to make your life better, you just need to study well, don't think about anything else", "Give you everything you want", "Money is not given to you, who do you want to give?"
This kind of thinking does not make children understand how money comes from or get it, so some children feel overwhelmed without the help of their parents.
Seeing this kind of news, Du Mou is more than 30 years old, staying at home doing nothing, relying on his father's money to maintain his life, and once the money is not enough, he beats his father violently.
"Nibbling on the old" is a common social phenomenon, parents can't bear to let their children suffer when they are very young, and after entering society, most of them can't find stable jobs and can only rely on their parents to survive.
There are also many rich second-generation people, because their families are rich and spend money like dirt.
Second, the correct "concept of money" can prevent children from becoming "miserly ghosts" because of frugality.
1. Excessive frugality is easy to be greedy and profitable, losing reason and losing humanity
There is a story of a woman who took a bus without coin-operating and the driver told her to either coin or get off the bus. She was still haggling, "You don't want a dollar, I'll just sit for a few minutes." "It is a matter of course to take the car to coin, but this woman just refuses to vote, the driver can't just count it out, and in the end, a young man helped the woman invest a dollar." As a result, instead of thanking her, the woman said that the young man was really stupid, and as long as she talked to the driver a few more words, she could get in the car for free.
There is a proverb that says, "Poor people must have something to hate", this woman is fifty or sixty years old, but she does not know that there is no free lunch in the world, in order to save a dollar, waste everyone's time.
2, frugality is easy to hurt the body
Many parents teach their children to be frugal, and even some children with good families, because of their parents' "concept of saving money", only let them save money, rather than trying to make money.
How can children develop a correct "view of money"?
1. To cultivate children's "view of money", we must first let children start from understanding money
The new idea of monetary education advocates: "Don't let children use housework to earn pocket money, because they are responsible." ”
When taking his child shopping, you can let him know the price, use, and whether it is worth buying, and you can also tell him how the money you need to spend if you want to buy it comes from.
2, educate children, to know how to use money.
Teach children how to make money reasonably and teach them how to make money.
While eating out, he met a seventeen- or eighteen-year-old student who said his parents had him participate in a social practice and go to a restaurant. Although he looks like a child, he has a good attitude and carefulness: finding toys for crying babies, apologizing for the wrong food, and winning praise from many guests.
In the night market, there is a seven- or eight-year-old girl, accompanied by her parents, holding a painting for a dollar and selling it in the night market, whether it can be sold or not, so that the child can learn how to make money.
Both children learned the right money-making skills.
3. Educate children to have a correct view of financial management
Teach children how to manage their finances, so that they know how to save and how to make money. Teach children to budget before spending money and spend it within their budget. If your child wants to buy a toy, you can tell him what your budget is. In this way, the child has a bottom in mind, and can choose toys within the amount with the parents to avoid arbitrary choices that exceed the amount;
Educating children to keep money in the bank not only earns interest, but also ensures safety.
Buy a storage tank for children so that they can develop a good habit of saving;
Enroll children in household spending programs, listen to their advice before purchasing, and understand what should be spent and what is not needed.
In this way, children will slowly develop the habit of financial management, have a strong interest in financial management, and will not spend money indiscriminately in society.
4, away from luxury, thrifty and thrifty
Zeng Guofan often admonished his descendants to be frugal, "Bowl porridge to support the beggar king, a piece of money is not a hero." ”
5. Appropriate giving back to the society is giving back to yourself
When the Wenchuan earthquake occurred in 2018, an elderly man begging went to the donation box and took out all 105 yuan on his body.
In 2018, when a policeman in Zhejiang province received a donation of 1,000 yuan from a beggar to a poor student, he was worried about being misunderstood, explaining: "This money is obtained through formal channels, and I can take care of myself." ”
They are all commoners, even the lowest people, who have their own problems in life, who donate their money to society and become a frugal noble
As the saying goes, there must be a sacrifice, when a child has a correct "view of money" and a rational way to earn money, then he has a foundation for self-reliance, no matter how difficult his life is, he can live smoothly.