Did you hand in the children's lucky money this year or keep it for yourself? Will you take the opportunity to cultivate your child's financial management concept?

Of course, children keep their lucky money for themselves. Afraid he will spend money recklessly. As for your idea of cultivating children's financial management, I think it is still young. At least when you are five or six years old.

How to cultivate children's financial management concept

0 1, the most direct way for children to develop the concept of "value for money" is to take them to the supermarket to shop!

Shopping is an indispensable activity for every family. Parents usually buy this and that in the front, and children want this and that in the back. In fact, parents can exchange roles with their children and let them buy things with their own money.

In this process, in order to buy more things with limited money, children will be careful in their minds and gradually understand that "money can change everything", but money can't change everything, so they learn to cherish money and establish a correct consumption concept.

02. Play games with children. Mom and dad can prepare a carton at home, which contains some daily necessities, such as drinks, sweets, books and so on. These things are not priced, let the children guess. If they guess correctly, they will be given the corresponding money. At the end of the game, whoever has the most money will be the winner, and the winner will be rewarded accordingly.

This kind of game can remind children to take the initiative to pay attention to the price of goods when visiting the supermarket with their parents every day, and establish a preliminary impression of commodity prices and money.

03. Learn to accumulate and learn to save. A study from Cambridge University shows that children's attitude towards money is formed at the age of 7, while children can understand the basic concepts about money at the age of 3, such as trading, choice, value understanding, saving and so on.

Parents can let their children save pocket money first, experience the happiness of "many a mickle makes a mickle", exercise their children's ability to spend selectively, and then buy things they like.

Under normal circumstances, we should also seize the opportunity to teach children to save money. We can start with the piggy bank. If there is a lot of money in the piggy bank, you can take your child to the bank to open an account of your own, so that the child can always participate in the process of saving and collecting money, and take this opportunity to let the child know the function of the bank and become a "small bank".

04. Parents' financial viewing affects the cultivation of children's correct financial outlook, and the key lies in parents' attitude towards financial management.

In the process of growing up, children are always learning and observing the behavior of adults. Maybe you don't realize that your behavior view has a great influence on children invisibly in daily life.

So parents should always think about whether their actions have a negative impact on their children. In order for children to meet their expectations, parents' own behaviors and attitudes need to be convincing first.

In other words, parents can't calm their children's negative emotions by buying, but in exchange for their children's quietness and cuteness. They should make list shopping run through daily life, let children see the process of planned consumption and savings, and guide children to understand the real "needs" and "demands".

In Dear San Mao, I wrote that comedy doesn't need money, and most tragedies have nothing to do with money.

For children, cultivating children's concept of money is to educate children to treat money correctly and treat gains and losses correctly. Children will have endless fun when they grow up, but not all these fun are obtained through money.