On financial quotient training of children of different ages.

? Don't talk about the importance of children's financial and business training, and cut to the chase directly.

? Foreign psychologists have found that the development of children's money consciousness has roughly six levels. As shown in the figure:

? The first level: no sense of monetary function, treat money as a toy and a piece of paper as a paper that can be manipulated at will;

? The second level: hazy money consciousness, not knowing money, only knowing that money can "change" things, without conscious buying and selling behavior;

? The third level: simple consciousness of monetary function, knowing and calculating the amount of money, realizing that money can buy things, and having more conscious buying and selling behavior;

? The fourth level: the complex consciousness of the function of money, recognizing the various material exchange functions of money, with money, you can buy all kinds of things needed, such as food, clothing, housing and transportation. Its trading behavior is not only conscious, but also independent;

? The fifth level: fully understand the function of money, not only realize the material exchange function of money, but also realize the spiritual and social functions of money, and realize that money can buy enjoyment and time;

? The sixth level: the innovative consciousness of monetary function, that is, the conscious consciousness of using money to increase value, that is, knowing that money can be changed more and more.

? Parents can carry out financial and business training for their children according to these six levels, combined with their age and development level.

? Children before the age of 3

? At this stage, children are at the first level of understanding money and have no consciousness of the role of money. They just regard money as a toy. Parents only need to let them know about money and recognize coins and banknotes through play.

? Children aged 4-7

? Children aged 4-7 develop further mentally. When I went to kindergarten, I met more people and things, so I knew that money could buy things. At this time, parents can cultivate their financial quotient from the following points.

? One is to teach them to know coins and know the size of coins. There are two ways. One is to teach them the value of money with familiar things. For example, one dollar can buy a lollipop, and 200 dollars can buy a box of Lego, so that children can probably know what money can buy. Another way is to play games with children. Children of this age prefer to play games that sell things. My son is over 5 years old this year and likes to open a supermarket at home. We will mark the prices of things at home together (in view of children's cognition, the prices are all within 10 yuan). When he sells it to me, he will deliberately train him to give change. In the whole process, he not only knew that money could buy things, but also trained his mathematical calculation ability.

? The second is to let children know how the money comes from, and let children know that it is not easy for parents to make money. All the training of children, such as financial quotient and emotional intelligence, can not be separated from one core, which is to cultivate children's good quality. With the improvement of material level, parents are more and more generous to their children, and children also demand the best when shopping, which is a good thing in itself, but on the other hand, it is easy to cause children's extravagance and waste. Let children know that it is not easy for parents to earn money, which is conducive to cultivating children's good quality of diligence and hard work. Before the age of 7, it is a critical period for the formation of children's personality. In the meantime, parents must be careful not to succumb to their children's unreasonable demands, let alone compensate their children by buying things.

? For children at this stage, I recommend a picture book when animals have money, and a children's picture book on money management published by Dolphin Publishing House tells how money flows through the way a group of small animals treat money on the farm, which can be used as a picture book for children's economic enlightenment.

Children aged 8-65438 +0 1

After the age of 7, children go to primary school, the contact environment is more complicated and their mental development is faster. For children aged 8- 1 1, we should first teach them to read the price tag. Taking them to the mall can let them read the price tag. When reading labels, remind children to compare commodity prices and pay attention to the decimal point position. Through this behavior, children's mathematical ability can also be trained.

? In addition, at this stage, children's sense of independence is getting stronger and stronger. Parents can make full use of this sense of independence and gradually let their children buy some small things themselves. In the process of shopping, children's expression ability, selection ability, price calculation ability and overall arrangement ability will be improved to a certain extent.

? At the same time, children at this stage must cultivate their sense of responsibility and the ability to do housework. Letting children do housework can cultivate children's qualities such as diligence, hard work and responsibility. This quality is precious in financial education. Nowadays, many parents will give their children certain rewards in order to stimulate their children's enthusiasm for housework. This is a good method, but it must be noted that children can't be rewarded for everything they do. Instead, we should reasonably divide the housework, give reasonable rewards to the children who have overfulfilled it, and cultivate their sense of responsibility, otherwise it will be counterproductive, leading to children doing housework entirely driven by money.

? Children know how to make money and spend money, and they should also know how to save money. Now many parents will open a separate bank account to deposit their children's lucky money. Parents are advised to involve their children in this matter. Or at this stage, when the child is still young, parents can prepare a piggy bank for the child, so that the child can save money to meet his smaller goals and give the child a sense of accomplishment.

? Children of 12- 17

? 12- 17-year-old children are in the fourth and fifth levels of money consciousness, and have gradually acquired a complex and comprehensive money consciousness, knowing that money can buy all kinds of things needed for food, drink, clothing, housing and transportation. You can also buy it and enjoy it. At this stage, on the one hand, parents can let them gradually participate in family financial management, for example, let them do family accounting, let them plan and keep accounts for family expenses for a week, cultivate their economic mind and conscientious quality, and establish their awareness of taking care of the overall situation. On the other hand, parents can teach children at this stage some simple financial knowledge, teach them some simple economic knowledge such as compound interest, debt and savings, understand some financial tools such as funds, wealth management products, bonds and stocks, and even encourage them to try these tools themselves.

? Here I recommend a book, Qian Qian the Puppy, to my parents. It is an enlightenment book to guide children to correctly understand and create wealth. It's about a girl 12 years old, Gia. She really wanted to have a dog, but because of the poor family economic situation, she has never been able to do so. By chance, she saved a white Labrador and named him "Qian Qian". Unexpectedly, Qian Qian is a hidden financial expert. With the help of the dog Qian Qian, the wealth and fate of the Gia family were changed. This book is very vivid, not only teaching children some basic financial concepts, but also some practical suggestions suitable for children and even everyone. Parents and children are strongly recommended to read.

/kloc-children over 0/8 years old

? /kloc-after 0/8 years old, children have a completely independent consciousness. When they first entered the university, they faced more temptations, without the control of their parents, and often had a large amount of living expenses in their hands. If their parents don't guide them correctly, they will easily go astray. At this stage, parents must not take it lightly and cultivate their children's correct concept of financial management (this topic will be discussed in detail later).

The above is just a personal opinion. If there is anything wrong, welcome to discuss ~