How to teach children how to manage money?

About money, maybe parents don't want to get in touch with their children too early. Because our country has always thought that money is dirty, but it is much better now. Some parents became more conscious and began to teach their children how to manage their 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 coins.

Coins, credit cards, bank notes ... most children simply can't tell which is which. When he saw his parents using credit cards to buy things, he felt that credit cards were full of magic, and he mistakenly thought that the money in the cards was like a pie falling from the sky and could never be used up.

Preschool children may not understand the relationship between credit cards and money, so it is the first step to let them know about coins. In front of children, parents had better spend more cash; When counting money, let the children participate! This can teach him to count and calculate, and also cultivate his basic life ability. Of course, using cash does not mean giving up using convenient credit cards. Parents can tell their children what bills and credit cards are about every time they receive bank bills, so that children can gradually understand the practical significance of this small plastic card.

2. About pocket money and bookkeeping

Generally speaking, it is more appropriate to give preschool children an allowance of 5 ~ 10 yuan per month. Parents can make a "consumption plan" with their children first. If you are an older child, you can try to let him keep a simple account, so that you can develop the habit of thrift and learn to arrange your own life; Secondly, we can develop careful habits and initially cultivate financial management ability.

3. Talk to your child about the price of goods.

From a lollipop to an expensive children's dress, parents can let their children know their prices. In this way, he will understand why we can buy several chocolates at a time, but we have to save money for hundreds of toys for a while, and he will gradually understand the value of various items around us.

When free, parents can also play a little game of "shopping" with their children. You and he play the roles of shop assistant and customer respectively. This not only improves the child's computing ability, but also enables him to learn to use coins in practical operation.

4. Enjoy the economy between parents.

In addition, it is best to achieve economic transparency between mom and dad. Mutual distrust or deception between husband and wife on economic issues has a great influence on children. He will imitate his parents' behavior and lie about money, which will inevitably form a distorted view of money in the long run. Therefore, on this issue, mom and dad must take it seriously! Give children the necessary "money education"

It is a very good practice to guide children to learn how to manage money and establish a correct view of money. If the purpose of education is the same, but the method is improper, it will not work, which will affect the child's thinking mode. For example, more reasonable consumption, parents will say "can't afford it" to their children. In fact, children will not know? You just need to tell him that the money should be saved and used in more useful places.

Children are often influenced by their parents' ways of spending money and their views on money, which may intentionally or unintentionally determine the relationship between children and money when they grow up. Therefore, parents should not mislead their children about money in their daily life.

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 her mother to the store. At the toy counter, I stopped to stare at the Transformers Optimus Prime in the window. When mom saw it, she said to Mingming, "Our family can't afford such an expensive toy!" Pull it out and leave.

Expert analysis: the subtext of Mingming's mother's sentence makes children puzzled: can't you afford it today or never? Still don't want to waste money on this? . In fact, it is more convincing for a mother to make a monthly expenditure plan (even rough) to help her children clearly understand the gap between their wishes and the actual situation than to prevaricate with "can't afford it". Children of any age are good at observing words and feelings, and will give up after being explained by their parents. Therefore, the sooner children are educated about money and responsibility, the better.

Tip: At ordinary times, a family can sit together, list what they want most, and rule out some unrealistic wishes. Then set aside a sum of money every month to help everyone realize their wishes in turn. The advantage of this is to let children know that everyone has the opportunity to realize their wishes, and saving and waiting will increase their excitement when they get their favorite gifts.

2. Don't say anything-"Say whatever you want."

Case: No matter where mom and dad usually go shopping, they always forget to add a Barbie doll or a game machine to their baby daughter. Even when the mother takes her daughter to the toy store, she will say to her daughter, "Tell her what you want!" "

Expert analysis: This will definitely spoil the children. In this way, children will feel that there will always be money, and the price is never a problem. As long as the requirements are always met, it is difficult for children to gain motivation in their later life experiences. When parents occasionally say "no" to their children's demands, they can't take it anymore. In fact, spending money and loving children cannot be equated.

Tip: Parents should not give gifts to their children casually. Even if you take your children to the mall, you should make an agreement in advance and only buy what is listed on the shopping list. Children may cry at first, but most children adapt faster than their parents think.

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

Case: After going to the children's home, she told her mother, "Yan Yan, a neighbor, has many toys. There are several Barbie dolls and a big box of clay figurines in the room. " At this time, the sensitive mother immediately said, "Are you going to buy new toys again? You have enough toys. "

Expert analysis: For parents, the real problem is not to buy one or two things, but to be too sensitive and reflexively afraid when hearing children say these words: children will become more and more greedy. In fact, maybe the child is simply describing the situation in the neighbor's house. If parents are eager to deny their children, they will feel depressed and wronged. It is better to listen to what the child really wants to say calmly and ask her what she thinks. Instead of rushing to tell your child what you are thinking.

Tip: Don't overemphasize money in life, and don't be careless. Even if you haven't formally passed the information about money or financial management to your children, they will certainly receive the information of "money" from their daily life. Therefore, in terms of money, it is not easy for parents and children to communicate.

4. How to explain it better

Don't hide your thirst: your neighbor bought a new car, and don't hide your desire for good things in front of your children. There is nothing wrong with letting him know that not everything he wants can be bought.

There is no big depression: the bill is coming again. When the child sees this scene, he should tell him in a relaxed tone that the money has been spent too fast recently, which is nothing, just like when you encounter unhappy things.

I don't mean money: "money doesn'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 to scare children. Once the child is lost, there may be an incorrect understanding of this, but it should be explained clearly in accurate and simple language.

We should educate our children that money should be obtained by our own ability and in a proper way, not by getting it for nothing or by other opportunistic ways. Children's understanding of money and parents' words and deeds are really important.

How do parents educate their children about money II?

Is to let children know where the money comes from; Let children know that money is hard to come by.

Let children know that money is obtained through the hard work of parents; Not the wind. We can only obtain funds through legal payment. Let children know that their parents work hard to make money. It is not easy to train them through hard work. Let children learn to be grateful.

Let children know that income is not for their own use.

Let the children know that a person's income does not belong to him, and he has to pay for the whole family. When educating children about money, we might as well design some similar democratic discussion activities to let them know a truth: income is used to pay for the whole family, and abusing money will affect the lives of others.

Let the children know that a gentleman loves money and treat it in the right way.

Since ancient times, people have regarded these eight words as an important condition for code of conduct and moral construction. Under this banner, most people can make a gentleman love money and accept it in the right way. Rely on your diligence and wisdom to create wealth, earn money and live a happy life. Turning a page of history, we can clearly see that from Fan Li in the Spring and Autumn Period to the Ming Dynasty in Shen Wansan, from … to Wang Chi in the Qing Dynasty, to modern gentlemen like Chen Jiageng, Li Ka-shing and Fok Ying-tung, from senior officials to cloth, from the rich to the poor, they formed a phalanx of outstanding figures, illuminating the world. After the reform and opening up, many people with lofty ideals made money by relying on the policy of getting rich first and their hard work and wisdom. When they become rich, they will never forget their country and neighbors. Serving the motherland, repaying society and leading 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 forever.

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

Children can use pocket money to satisfy our "disapproval" consumption desire. In other words, parents can make some suggestions on the basis of respecting children's autonomy and flexibility. If parents are too strict and children have to listen to their parents when buying anything, then children are like a "piggy bank", which completely loses the significance of cultivating smart consumption and financial instinct with pocket money. Parents should know that children will take some detours when using pocket money, which is the only way for children to accumulate experience.

Let children know that money is not everything.

There is only one way for children to have their own sky and live well without their parents: let children know that their parents earn money by themselves, not by themselves. In our daily life, we know that the first-grade students in primary school pay people to play with them. Fourth-grade students pay people to endorse schoolbags and buy snacks; Second-grade middle school students pay people to help them with their homework; College students pay people to help them write their papers. This kind of thing sounds like a joke, which is very sad. I really feel speechless when I know that some international students really make money by this. Scores are bought, and so are friends. Students' lives have become like this. Apart from spending time and money, what is left? It seems that as long as you have money, there is no big problem: you want to go to a good primary school and spend money to buy a school district; If you can't get into a good middle school, spend money to find a relationship; Make trouble and spend money to solve it; Go to school at home and spend money abroad. However, when children suddenly realize that money can't solve all problems, it's too late.