How should parents cultivate their children's financial intelligence?

No matter how favorable the family conditions are, parents should pay attention to cultivating their children's money concept from an early age, so that the children can not only spend their money in an orderly and planned manner, but also help them to have a plan and plan when encountering problems in the future. Think logically.

How parents educate their children about money 1

Regarding some things about money, parents may not want to expose their children to early exposure. Because our country has believed that money is a dirty thing since ancient times, but it is much better now. Some parents are also more aware and have begun to teach their children how to manage money. Indeed, it is better to guide him correctly than to let him avoid it, because contact with money is inevitable.

1. Let children know about coins

Coins, credit cards, bills... most children can't tell which is which. When he sees his parents using credit cards to purchase goods, he will feel that credit cards are full of magic and mistakenly believe that the money in the cards is like pie falling from the sky and can never be used up.

Preschool children may not be able to understand the relationship between credit cards and money, so letting them know about money is the first step. In front of children, it is best for parents to use cash for consumption; when counting money, they might as well let their children participate! This can teach them to learn to count and operate, and also cultivate their basic living abilities. Of course, using cash does not mean giving up the use of convenient credit cards. Parents can tell their children what the bills and credit cards are every time they receive a bank statement, so that they can gradually understand this little plastic card. practical significance.

2. Regarding pocket money and accounting

Generally speaking, it is more appropriate to give preschool children a monthly pocket money of 5 to 10 yuan. Parents can first develop a "consumption plan" with their children. If it is an older child, you can try to let him simply keep accounts. First, he can develop the habit of thrift and learn to arrange his own life; second, he can develop the habit of carefulness and initially develop financial management skills.

3. Talk to your children about the price of goods

From a lollipop to an expensive piece of children's clothing, parents can let their children know the price. In this way, he will understand why we can buy several pieces of chocolate in one go, but we have to save for a while to buy toys worth hundreds of dollars. He will also gradually understand the value of various items around him.

When you have free time, parents can also play the "shop shopping" game with their children, where you and him play the role of salesperson and customer respectively. This not only improves the child's calculation ability, but also allows him to learn to use coins in actual operations.

4. Economic sharing between parents

In addition, it is best to achieve economic transparency between parents. Mutual distrust or mutual deception between husband and wife about financial issues has a great impact on the child. He will imitate his parents' actions and lie about money issues. In the long run, he will inevitably form a distorted view of money. Therefore, parents must take this issue seriously! "Money education" is essential for children

It is very good to use the correct method to guide children to learn to manage money and establish a correct concept of money. If the purpose of education is the same but the method is inappropriate, this will not work. This will affect the child's thinking mode. For example, in order to consume more reasonably, parents will say "can't afford it" to their children to deal with it. In fact, wouldn’t the child know? You just need to tell him that the money should be saved to buy more useful things.

Children’s first impression of money is often influenced by their parents’ ways of spending money and their views on money, which may intentionally or unintentionally determine their relationship with money when they grow up. Therefore, parents should not mislead their children about money in their daily lives.

So how should we educate our children about money?

1. Don't say easily - "We can't afford it"

Case: One day, 6-year-old Mingming followed his mother to the store. In front of the toy counter, Mingming stared at the Transformers Optimus Prime in the window and stopped. When her mother saw this, she said to Mingming, "Our family can't afford such expensive toys!" She pulled Mingming away.

Expert analysis: It is clear that the subtext of the mother’s words is confusing to the children: Can they not afford it today or will they never be able to afford it? Or do they not want to waste money on it? In fact, it is clear that the mother can definitely make a monthly spending plan (even a rough one) to help her children clearly understand the difference between their wishes and the actual situation, which is more convincing than using "can't afford it" as a pretext. Children of any age are good at observing words and emotions and will give up after being explained by their parents. So it’s never too early to teach your children about money and responsibility.

Tip: Usually, the whole family can sit together and list the things they want most and eliminate some unrealistic wishes. Then set aside a sum of money every month and take turns helping everyone realize their wishes. The advantage of this is that it helps children understand that everyone has a chance to realize their wishes, and saving and waiting will add to the excitement of getting the gift they want.

2. Don’t say anything - “Just say what you want”

Case: No matter where parents go shopping, they never forget to buy a Barbie doll for their baby daughter, or It's a game console. Even when a mother takes her daughter to a toy store, she will always say to her: "Whatever you want, just tell mom!"

Expert analysis: This will definitely spoil the child. The result of this will make children feel that money will always be there and price will never be an issue. As long as requests are always met, it will be difficult for the child to gain motivation later in his life experience. When parents occasionally say "no" to their children's requests, the children can no longer accept it. In fact, spending money and loving children cannot be equated.

Tip: Parents are best not to give gifts to their children casually. Even when you take your kids to the mall, make an agreement in advance to only buy what's on your shopping list. Children may cry at first, but most children adjust faster than parents imagine.

3. Don't guess and say - "You want to buy toys again"

Case: After visiting a child's house, he told his mother: "My neighbor Yanyan has a lot of toys. The room is full of toys." There are several Barbie dolls and a large box of clay figurines.” At this time, the sensitive mother immediately said: “Do you want to buy new toys? You already have enough toys.”

Expert analysis: For parents, the real problem is not to buy one or two things, but that as soon as they hear their children say these words, they become overly sensitive and have a conditioned fear that their children will become more and more greedy. In fact, it may be that the child is simply describing the situation in the neighbor's house that she saw. If parents eagerly deny their children, they will make their children feel frustrated and aggrieved. It is better to listen calmly to what the child wants to say and ask her what she thinks. Rather than rushing to tell your children what you are thinking.

Tip: Don’t put too much emphasis on money in life, and don’t not care about it. Even if you haven't formally passed on money or financial management messages to your children, they will inevitably receive "money" messages from their daily lives. Therefore, it is not easy for parents to communicate with their children about money.

4. How to explain better

Don’t hide your “covetousness”: When your neighbor buys a fancy new car, don’t hide your love for the beautiful thing in front of your children. desire for things. Instead, let him know that not everything he wants can be afforded, and there's nothing wrong with that.

There is no big deal of "depression": the bill comes again. When the child sees this scene, tell him in a relaxed tone that money has been spent too fast recently, and this is nothing, just like It's the same as when you encounter something unhappy.

I don’t mean money: “Money won’t fall from the sky” and “Money comes and goes quickly.” These words are not wrong in a specific context, but they cannot be used. Scare children. Once lost, children may have incorrect understandings of this, so explain it in accurate and simple words.

We should educate our children to establish that money must be obtained by their own abilities and in legitimate ways, rather than by getting money for nothing or other opportunistic ways. When it comes to children's understanding of money, parents' precepts and deeds are really important.

How parents educate their children about money 2

It is to let the children know where money comes from; let the children know that money is hard-earned.

Let children know that money is obtained through the hard work of their parents; not the wind. We only get money through legal payments. Let the children know that their parents have a hard time making money. It is not easy to develop them through hard work. Let children learn to be grateful.

Let children know that the income is not for themselves.

Let children understand that a person’s income does not belong to him and must pay for the expenses of the entire family. When educating children about money, we might as well design some similar democratic discussion activities to let children understand the truth: income is used to pay for the expenses of the entire family, and the misuse of money will affect the lives of others.

Let children know that gentlemen love money and treat money in the right way.

Since ancient times, people have regarded these eight characters as a code of conduct and an important condition for moral construction. Under this flag, most people can make a gentleman love money and receive it in the right way. Rely on your diligence and wisdom to create wealth, make money, and live a happy life. Looking through the annals of history, we can clearly see that from Fan Bei in the Spring and Autumn Period to Shen Wansan in the Ming Dynasty: from the Qing Dynasty to Wang Chi, to modern gentlemen like Tan Kah Kee, Li Jiacheng, and Fok Yingdong, from high-ranking officials to commoners, from rich people to the poor, forming a phalanx of outstanding people, lighting up the world. After the reform and opening up, many people with lofty ideals relied on the get-rich-first policy and used their hard work and wisdom to make money. When they become rich, they never forget their country and their neighbors. Serving the motherland, repaying society, and leading the villagers to build a well-off society in an all-round way have been highly praised by people. These gentlemen who love money and accept it wisely are worth learning from us forever.

Learn to give children pocket money; teach children to allocate money reasonably.

Children can use their pocket money to satisfy our “disapproved” consumer desires. In other words, parents can make some suggestions on the basis of respecting their children's autonomy and flexibility. If parents are too strict and their children have to obey their parents' orders for everything they buy, then the children will be like a "piggy bank" and completely lose the meaning of using pocket money to cultivate smart consumption and financial management instincts. Parents should know that children will take some detours when using pocket money, and this is the only way for them to accumulate experience.

Let children understand that money is not everything.

For a child, there is only one way for him to have his own sky and live well without his parents: let the child understand that parents earn money by themselves, not by themselves. money. In daily life, we know that first-grade primary school students pay people to play with them; fourth-grade students pay people to carry their bags and buy snacks; second-year middle school students pay people to help them do their homework. ;College students pay people to help them write papers. This kind of thing sounds like a joke and is very sad. When I know that some foreign students really make money through this, I really feel speechless. Scores are bought, and so are friends. The lives of students have become such that apart from spending time and money, what else is left? It seems that as long as you have money, there is no big problem: if you want to go to a good primary school, spend money to buy a house in the school district; if you can't go to a good middle school, then spend money to find connections; create trouble , spend money to solve it; go to school at home and spend money abroad. However, when the child suddenly realizes that money cannot solve all problems one day, it is too late.