How to cultivate children's outlook on money and financial quotient?

I thought of this question because my cousin bought an iphone: my cousin is a senior one, working family, and his parents' salaries add up to two months to buy an iphone, but he already has two mobile phones (a villa and a HTC just bought), but he is still not satisfied. He sent invitations to relatives everywhere, asking for money to buy an iphone, and occasionally quarreled with his parents about it.

It's hard for me to understand what he did. On the other hand, I didn't waste the comparison of my school days with several good friends, such as myself, the middle class and the rich. Even if my current monthly income is enough to buy an iphone, my mobile phone will only be replaced when it is old, and so will several well-off friends. When I need to spend money, I won't waste it. Therefore, I think this phenomenon should be more related to family education than to the level of family wealth. Please talk about this problem from the perspective of family education.

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1, children are parents' mirrors, and parents are children's teachers. My parents ... came from the days when they didn't have enough to eat. I don't need to elaborate on any habits, although I am not as skilled as the landlord licking the bowl in Bailuyuan ... In short, parents know how to control their income reasonably, so children can learn. Whether you live a cautious life is not always directly proportional to your income level. Careful calculation is a skill that enables people to use limited resources more rationally. If you can get access to this skill from an early age, it will undoubtedly be beneficial to your life. Parents themselves must first understand the importance of this matter, and then let their children understand this truth. Parents' role models are very important.

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Learn to be self-reliant, parents provide limited resources and let children try to manage these resources, including time and pocket money. The monthly salary is only 65,438+00 yuan, which rose to 20 yuan in junior high school. I don't even have enough money to buy a popsicle after school every day, forcing me to plan all money-related activities every day. If I got up late this morning and went to school by bus instead of by bike, there would be no soda today ... I can only play for two hours every day, so I can't play ball while watching TV, and I can't watch TV while playing ball, which forced me to give up cartoons at 6 pm. But I still want to see it. I went home and frantically finished my homework and turned on the TV. Oh, my God, I saw the end of the movie. What should I do? Simply use your break time and try to finish half your homework before going to school, so that you can watch an animated film in the evening. Can you just watch TV without doing your homework? Haha, do you know what Zhou Libo said about his mother slapping him ... hide your face? ...

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It is not easy to get in touch with society, take part in labor and know how to make money. I went to pick up empty bottles with "red scarf volunteers" at the weekend and sold the shift fee (although the money was later used to compensate for the broken glass). When I was in junior high school, the school rules were very strict. If I am found not wearing the school badge, I will be deducted from the class evaluation, and even I am not allowed to enter the school without wearing the school badge. I lost my school badge and bought it from the Academic Affairs Office. I bought one from 5 yuan. Sister, this is a quarter of my monthly allowance. The most embarrassing thing is that the paper clip is so thin that it falls off unconsciously. Later, I picked up the school badge at school and on the nearby road. Although it is second-hand, everyone sells it in 3 yuan, and some people really buy it. Last year, I took a box of empty beverage bottles to the door of the community to sell waste products, and my Nokia 1600 was in my pocket. I collided with my uncle who was picking up waste products at the recycling station. So sad ...

Whether teachers or parents praise children, try not to be associated with the beauty of children's external clothes, because children may be associated with the new clothes they wear and get the initial motivation for comparison. Praise for children should focus on the good behavior characteristics such as who is the most active in the game, who loves to work and who loves to help others, so that children will develop good character and help form good values in the process of winning praise.

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When I was young, my mother didn't buy me anything. I remember there was a set of Disney encyclopedias (there seemed to be more than 400 at that time), and I didn't get them for three years.

But suddenly one day, after that, I found it much easier for me to ask for anything than before. But I remember it very clearly at that time. I often hear calls from my mother's house at night. After hanging up, I had to get dressed and drive back to work. Later, I learned that maybe my mother earned more than before, but I couldn't bear to watch her do it, especially when the old man always told me to drive slowly before going out. It sounds sad.

Let the children know that it is not easy to make some money, and no one's money is blown by the wind.

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As a middle school student who used to be in an "aristocratic school", I have experienced all-round comparison from mp3 to mp4, to handheld devices, to headphones and mobile phones, and Nike Adidas. I think I have a certain say.

What can really change from a comparison mentality to a purchase behavior must be people's own inferiority and recognition of product value.

In middle school, all kinds of Gao Shuai rich people in our class became an army of comparison, while poor students like me naturally became another army. In order to confront them, we finally came up with a solution to the above two problems.

These two problems need not be looked at separately, but can be solved together.

The key is to build personality for children.

The reason why children envy the personal belongings of the rich in Gao Shuai is that, firstly, because of their inferiority complex, establishing their own personality means that children have enough self-confidence and confidence to think that their belongings are good. Secondly, personality can make children reconsider the use value of personal items.

For example:

At that time, when the rich people in Gao Shuai were discussing AJ's various technologies, we put on a pair of pull-back stars, and through the free and easy school uniforms, the embodiment of personality directly killed these rich people in Gao Shuai who had a high probability of bumping into shirts and shoes. They can't find a reason to look down on us, and even many people are influenced by us.

Personality needs to be supported by self-confidence, and appropriate encouragement and appreciation are necessary.

In a word, personality is the most effective weapon against the psychology of comparison.

In today's society, there is a comparative atmosphere, and there are many comparisons in many TV variety shows. Therefore, parents have many challenges in educating their children.

1. First of all, parents should compare themselves and not be vain. Parents say one thing and do another, but children are actually very smart and will find out what you think.

Parents can choose some movies and articles to watch with their children.

For example, NHK in Japan has a documentary to interview people from all walks of life. For example, cardiac surgeons, masters of West Point Military Academy and simultaneous interpreters are clean and hygienic, so that children can see what all walks of life are like and the value of work.

Read some biographies together, such as Shi Huaizhe's book Mother Teresa, Liao Zhi who lost her legs in the earthquake and started her life again, and Nick who was born without limbs and worried that she would never get married, but now has a wife and children. These people have many feelings about life. They didn't talk about chicken soup there, but they did experience it first hand.

Besides letting children know what is bad, we should also let them know what is good. In this way, they can focus on how to pursue those beautiful things.

Parents love their children, not that they give them whatever they want.

I am frugal when I study, because I spend my parents' money.

Later, I got a scholarship and spent less money on my parents. (This is also because of good opportunities)

After work, I don't need my parents' money, so I bought my parents an iPad and took them on a trip.

It is not easy for parents to earn money by working, so children should also know how to cherish it. If parents get their money too easily and get it for nothing, children are likely to spend it extravagantly. Parents sometimes need to let their children know about their work and the difficulties in it, and let them know that making money is not so easy.

Children can also be asked to help with housework, learn to cook and clean. These skills are very useful for children to go out for self-study in the future. During the winter vacation and summer vacation, my mother taught me how to make dough and how to make jiaozi. In this way, I not only learned the skills, but also learned that cooking is not easy.

Children should learn to cherish the fruits of others and their own labor.