How to cultivate children's correct consumption view

This is what a junior high school teacher who is acting as a parent said. There is a left-behind child. His father works as a small foreman outside. He has enough money and often gives his children pocket money without limit. Left-behind children spend money since childhood, without planning or saving. In a blink of an eye, the child left the village, went to the junior high school in the town and lived on campus. Children's habits for many years are not so easy to change, and they still spend money like water without restraint. Sometimes going out to dinner or entertainment places with classmates can spend all the living expenses for one month at a time. Therefore, before the end of each month, left-behind children are cash-strapped. Whenever this happens, the left-behind children will call their father and ask him to send the living expenses for next month in advance. The father loves his son dearly, tolerates his son's behavior and makes the child more carefree. For several months, the child has paid the living expenses six months in advance. The problem that he spends too much money has not changed, but has become more serious. Shortly after the beginning of this semester, the financial situation of left-behind children fell into crisis again. He emailed his father and said, "Dad, I have no money." As usual, dad will send money tomorrow. However, this time, the child didn't see his remittance, and his father wrote back to him: "Son, if you don't have a plan to spend money, be hungry." Of course, the following days are not so easy. Left-behind children, with the help of teachers, rack their brains to save money and make plans for every dollar. It's amazing that only 20 yuan will last until the day when his father sends money again next month. Children who have experienced hardships finally learn to spend money in a planned way. After that, every month, he can even save a dozen or twenty dollars to save. In this way, he used the money to buy a lot of books he likes to read, and he can also visit nearby tourist attractions. He feels that the planned life of savings is richer and more meaningful, and the school life is more fulfilling than before.

In social life, everyone is a consumer. For survival, health, development and beauty, people have various needs, such as eating, dressing, traveling, reading, reading newspapers, listening to the radio and watching TV. People spend money to meet various needs. This activity is called consumption. People have consumption behavior every day. Consumption is not only a common sense of life, but also an educational science, which is an important content of school education, family education and social education. At present, there is no consumption guidance course in schools, so parents have the responsibility and obligation to undertake the task of guiding children's consumption, so that children can establish a correct consumption concept, so as to achieve the purpose of standardizing and standardizing children's consumption behavior. At the same time, paying attention to thrift is not only a respect for workers who create wealth, but also a respect for parents who raise themselves with hard-earned money, which is conducive to the improvement of children's independent living ability. Nowadays, the situation that children spend money lavishly is quite serious. The money in children's hands comes from their parents in the end. Fundamentally speaking, children's waste is caused by poor parental restraint. Like the left-behind child, there are not a few children who don't know how to spend correctly and don't pay attention to thrift. This situation is the result of social influence and parents' doting. It is hard for us to imagine that such a child can withstand ups and downs, cope with the challenges of modern society and be a beneficial person in the future life.

Undoubtedly, parents should pay attention to cultivating their children's habit of rational consumption and cultivate their children's financial quotient from an early age. Simply put, financial quotient is the method and ability of financial management. When foreign children buy things, they usually look around and see which one I need most before buying. However, our children seldom do this. They often see what they like and buy it immediately without thinking. This is the lack of financial quotient. Children lack consumer guide and can't manage money.

In order to let children develop the good habit of reasonable consumption, parents can adopt such training methods:

(1) Children should be taught to use money in a planned way and have a budget for spending money. It is best to set a certain amount of pocket money for children, which is within the control of children, and then increase it appropriately with their age and actual needs.

(2) Give pocket money regularly, such as once a month, advocate reasonable consumption, and oppose waste and consumption in advance.

(3) Let children make spending plans. For example, how much to spend on school supplies, how much to spend on your favorite daily necessities, and how much to spend on snacks ... This can prevent children from spending money indiscriminately, and can also cultivate children's good habit of spending money on the cutting edge.

(4) save money. For example, "surrogate parents" accompany their children to the bank and open an account in his name. It can enhance children's interest and ability in self-management.

(5) Choose commodities with quality and practical value as the main criteria, and guide children to spend money on the right path, such as buying extracurricular study books and subscribing to newspapers and magazines; If you have money, you don't eat or drink, but deliberately pursue famous brands and luxury.

(6) Tell your children about the hardships of their parents to earn money, and don't be shy about talking with their children about the problems in family livelihood.

(7) Don't compare with others. It is clear that comparing is a deformed consumer psychology and a bad phenomenon. Children are required to make consumption choices according to their own needs and live within their means.

(8) Don't rush to buy things you like, especially goods that cost more money, and then decide whether to buy them or not. Also tell children that the price is the price of the same commodity, and goods of different specifications and brands are incomparable.