When my child was chased by the "creditor", I understood that smart parents will educate money as soon as possible
Author: Stars (Parents Intensive Reading Author)
A few days ago, my son's friend came to me to complain.
He said to me emotionally: "Auntie, An An (son) owes me 180 yuan, and he has never paid it back. ”
When the son saw that the matter was revealed, he took the initiative to confess.
It turned out that he wanted to buy snacks and toys, but he had no money on hand, so he asked his friends to help him buy them.
He saw that people's phones and watches were paid as soon as they were swiped, so he didn't care, but he didn't expect to owe so much several times.
We always felt that our son was still young, worried that he was buying junk food outside, and usually bought things directly for him, and he did not ask for money much.
We didn't think about taking the initiative to talk to him about "money".
Unexpectedly, this made him learn to tear down the east wall to make up for the western wall.
On reflection, I realized how wrong it was to think that the child was still young and not talk to him about money.
Money education is much more important than we think.
Children have no concept of money, which is not a good thing
A survey of children aged 3-8 in the UK showed that:
More than 60% of children think that money comes from their parents, 30% think that money comes from the bank, and less than 10% of children know that money is earned from work.
This also reflects that most children today have no concept of money.
When actors Huo Siyan and Humph participated in an episode of the program, Humph saw cookies on the counter of the coffee shop, so he took them directly.
Huo Siyan asked him: "Did this cookie give money?" ”
Hmm hummed and said with a serious face: "This does not require money." ”
Netizens called out: "Does he not know that buying things costs money." ”
Many children have no concept of money, parents do not care very much, and sometimes they feel quite cute when they hear children's fairy tales.
But children do not know money, do not know what money is, can not understand the hard work of parents to make money.
I saw a news that Kang Kang, a 14-year-old boy in Zhengzhou, Henan, recharged 80,000 yuan to the game in just a few days.
These 80,000 yuan are Kang Kang's father's life-saving money, which is simply worse for the family that is not rich.
At first, Kang Kang just thought that the game skin looked good, so he wanted to buy one and try it, but at that time he felt that it would not cost much money.
Unexpectedly, it was out of control later, and when the reaction came, the balance of the card was only 3 Mao 6, and the father who was waiting for this money to go to chemotherapy could only borrow money to treat the disease.
Although the money was later recovered, it was also a wake-up call for our parents.
Children have no concept of money, and it is not a good thing.
In life, I often hear my parents say this: "What do you want money for, just tell me what you want to buy, I'll buy it for you." ”
Because parents subconsciously feel that the child is still young, instead of giving money to let him spend it indiscriminately, it is better to buy things directly.
As everyone knows, this kind of treatment, over time, will make children not experience the value of money, for them, 100, 1000 or even 10000, is just a simple number.
They don't realize that the tens of thousands of dollars that can be charged to the streamer at will requires parents to work hard for months or even a year.
"Money" will not be planned, and it is easy to become a slave to money
I once saw a survey on adolescent wealth perception, the results showed that at least 7 out of 10 children have pocket money but do not know how to distribute it scientifically, and most parents just give money but forget to teach their children how to use it.
In the documentary "Wait a minute, the Internet", there is a boy who got good grades and was admitted to 985, but unexpectedly, he was almost ruined by money.
Before college, his parents helped him with everything.
After going to college, he began to manage his own living expenses, and gradually tasted the pleasure of spending money.
He kept buying new mobile phones, often traveled, and there was no air conditioning in the school dormitory, so he rented a house for 3,000 yuan a month off-campus, just to live comfortably.
In this way, he owed more than 200,000 yuan in debt in four years of college.
It took him five or six years to pay off the debt.
Coincidentally, a netizen on Douban shared:
Her cousin has not suffered much since she was a child, and financially, as long as she is able, her family will satisfy her.
As a result, after going to college, at first she just did not plan for living expenses, and spent it without waiting for the end of the month, and gradually, she borrowed when she didn't have enough money, and even took out online loans.
By the time her family found out, she owed 50,000 yuan and was asked by unscrupulous platforms to take nude photos to repay.
It's really fortunate that it was found in time, otherwise the consequences would be unimaginable.
There is a question on Zhihu: what happens if money is not used reasonably?
Some people replied: People who do not know how to control money are easily dominated by money in turn.
Although the child is now small and does not have much access to money, one day, he will grow up and need to master the money himself.
A child, if he knows how to use money rationally from an early age, when he grows up, money will become his good helper and slave.
On the contrary, if children have not received correct guidance since childhood and do not know how to use money, they may work for it or pay a heavier price when they grow up.
Money education, sooner rather than later
Educator Merkel once said:
"Money education is a compulsory course in life and the focus of children's education, just as money is the focus of the family."
Teaching children to understand money, understand how to get money, how to use money, will not make him a philistine, but can help him establish a correct concept of money.
For the money education methods of children, you can refer to the following methods.
1. Give children the opportunity to "spend money"
Now children's concept of money is weak, the fundamental reason is that electronic payment is prevalent, children cannot touch cash, naturally there is no actual sense of spending money.
In this regard, we can give the child cash, let him go to purchase, experience the feeling of spending money, and have a practical concept of money.
During the Spring Festival, I saw that my niece's textbook happened to have a lesson on understanding banknotes.
So we went to the supermarket and exchanged banknotes of different denominations and handed them to my niece, asking her to help buy New Year goods.
After the operation, my niece was very happy.
She said: "100 yuan is the biggest, you can help grandma buy meat and vegetables, 1 cent is very small, you can only buy a candy in the commissary." ”
Give the child cash to let him purchase, you can exchange the empty money value into actual items, giving the child a more intuitive feeling.
2. Give children a certain degree of control
A mother next to her, in addition to giving her daughter pocket money, will also set up a 200 yuan control power for her daughter once a month.
The 200 yuan is mainly used for daily purchases by the family and is distributed by the daughter.
At first, her daughter would also buy things that were not practical, but slowly, she became more and more proficient, and even learned to shop around and use 200 pieces clearly.
It has been said that a child will only pay attention to the value of money when he has money and feels that he can control it.
Giving a child a fixed pocket money or participating in family purchases can make him feel the value of money and learn to use it wisely.
3. Teach children to keep accounts regularly and review
Netizen Chen Chen gives his son 20 yuan a week in pocket money.
In the beginning, the son spent the money as soon as he got it, often before the money was covered in his hand.
In this regard, Chen Chen did not rush to correct it, but took his son to keep accounts and review together.
Through the review, the son found that his money was spent on snacks, resulting in the inability to buy a stationery or toy later.
So, the son began to spend money in moderation, and later learned to save money.
Bookkeeping is equivalent to taking stock of the past, allowing children to clearly see their consumption habits and correct them, so that the distribution of money becomes more reasonable.
4. Create opportunities for children to "make money"
A netizen shared that he often told his children: "It's not easy for parents to make money. ”
But the child does not seem to understand, and the money is still lavish.
Later, she saw that Huo Qigang had let his daughter clean up and earn pocket money in order to educate her children.
During the summer vacation, she told her children to pick up bottles and sell them for money, so they could buy ice cream to eat.
When the child hears about eating ice cream, he is full of energy.
As a result, the two people picked it up for a whole morning before selling it for two dollars, just enough to buy an ice cream.
At that time, the child himself sighed: "It's so hard to make money." ”
Education has power only in real life.
Creating opportunities for children to "make money" by giving is much more profound than telling him directly.
Educator Robert Kiyosaki once said in "Poor Dad Rich Dad":
"If you don't teach your child the knowledge of money, someone else will replace you in the future.
This person may be a creditor, a profiteer, a policeman, or a liar. ”
Neither of the above is a good thing.
So instead of waiting for others to teach, we should do it ourselves.
I hope that our children can have the correct concept of money, and in the future, whether they encounter flowers or thorns on the road, they can face it calmly and not be trapped by money.
About author: Fanxing, rich book columnist, 5 years of education work experience, new media writing enthusiasts, insist because of love, different because of persistence, article: parents read carefully, the copyright of this article belongs to Fushu, without authorization, shall not be reproduced, infringement must be investigated
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