Managing finances, is not only one of adult's necessary curricula, regarding child, is also indispensable. Since childhood the mold children's correct financial view and the money view, will become him in the future on the road the enterprise, the life good helper.
The focal point recounted:
How to discuss managing finances with the child
Remembered that went to the US to visit relatives for years, the ABC little niece who grows up in the US leads the author to yearn for since childhood already the long Disneyland plays. At that time a little looked like Grandma Liu to enter Prospect Garden in a big way, the parking lot which US's bounteous Disneyland set up as an attachment arrives surprisingly, might stop over ten thousand vehicle's parking lots, stopped Che Houhuan to have meets a train carries passengers to the paradise entrance. Because the parking lot is too really big, after the vehicle stops, the little niece puts out the small book and the pencil conveniently, writes down the vehicle position's code number, she said that if does not write down, when the time comes could not find Che Kejiu to be troublesome! Truly, afterward the author that section of time which lived in the US, was common when forgot the parking spot, looked for the vehicle to look is sweating profusely.
US's child some places are more independent than the Chinese people child. Author's little niece, from goes to the elementary school, oneself do laundry, makes the breakfast, leads the younger sister to ride the school bus to go to school. She is bringing the small book along with, the accounting or records some matters.
Now, the little niece already grew up into Ting Ting's handsome young girl, attends the university in Seattle, recently returned to Taiwan to play, she said that Taiwan's thing good expensive, equally did not dare to buy, although the relative wanted to give her a gift, the little nieces turned down, considered very much for the human.
Author's little niece, always not randomly spends, although the family is quite wealthy. The little niece such has the education, such considers for the human, is completely life and the home education since childhood related, fosters the accounting and the thrifty moral excellence since childhood. She fully realized that the parents make money not easily. Compares the present strawberry race, the moonlite, has such little niece, lets the author feel that is very arrogant.
Teaches by word is inferior to teach by example, managing finances is a life important link, what but was a pity very much, our education unexpectedly ever did not teach how the child does manage finances. Therefore, this great task no matter what must lift up naturally greatly by the parents, teaches the child to foster the accounting since childhood the custom, for them a notebook, wants him the money which spends, attains pocket money 1510 writing down, then tell them again, when which one uses, which one not, when uses, tells them thriftily is the moral excellence. Such child has grown up, only will then look like the author the little niece to be equally sensible.
The author suggested that the friend goes to the elementary school to get up since childhood, is the parents to start to pay attention to them to the wealth tendency and the manner. For pocket money at the same time, also gives them the small book, wants them to write down each pocket money, moreover each expenditure must write down. The parents occasionally lead the child to buy the toy, wants the opportunity training, requests the pocket money which they use usually to left over to buy, do not too natural take out money directly buys for them.
The parents do this, is not mean-spirited, but is must let the child know that the material is not easy.
Perhaps the child settled on some toy ultra to get rid some pocket money balance, the parents may also use the way which lent money, indicated that borrowed the insufficient difference first, wanted the children the pocket money which will save down with later also to return to the difference.
Has taking advantage of has also, again borrows not difficultly, these words are suitable parent-child managing finances,kids clothing, the parents are not absolutely the children demand the excessive national treasury, do not form the bad habit which the child money puts out a hand.
Promotes cradle's hand parent-child managing finances to start by mother
Mr. A and Ms. B are to the white-collar office worker husbands and wives, two people are busy with the work all day long, has the time leisure rarely. In the family the only child just attended the elementary school first grade, looks after by neighbor aunt, Mr. A true parent-child interaction time often obtains evening eight, nine spots only then starts, the child is quite instead own with neighbor aunt, Mr. A and Ms. B also very helpless.
Mr. A situation is very common, the husbands and wives two people both go to work can pay the soaring life disbursement, is negligent in the care child unavoidably, the home education and the school edition is often unable to establish contacts, the only contact method is every day very few number language family contact book.
Will receive the school teacher's telephone until some day Ms. B, said that the child stole schoolmate's wallet in the school to buy between-meal snack, this only then caused Ms. B to faint from fear the situation to be serious. The fish and the bear's paws cannot have both, how to work and educates between the child to obtain the balance point, is many family common puzzles. Similar Mr. A does the family story, occur truly in your me all around, how deals, my suggestion is, the opportunity training, mother spends a care particularly anytime and anywhere. Because of the family finance big decision, often is in the empress person hand, mother compares has the opportunity to carry on managing finances or the money use opportunity training to the children, certainly, daddy may not lay down a task, the couple pooling of interests, molds children's correct finance and the money observes a person's face works as important.
How to do? The similar Mr. A situation, accompanies child period of time every night, before for example is rests the bedside story time, the careful parents may choose some rich significances, concise easy to understand, and says with the finance and the money idea related story to the child listens, perhaps the holiday belt child goes out plays, regardless of being the automobile refuels, goes shopping may teach the child, simultaneously taught, when with works as, is sure not idea which spends randomly, lets the child under the public relations situation the nature study.
Parents' role, the family is the managing finances stage
Once had well-known society psychologist Hefuman to study the theater theory, the general theory content is refers to: Each person's in society activity, is just like is the respective acting different role actor, the life is the stage, before having, division the wings. For example, somebody in the office and family's behavior, the words and deeds possibly has the enormous difference, because the office is just like is the theater preceding performance, in the family is the backstage, certainly enters the political arena the time words and deeds manner on and is different in the backstage.
Actually, the theater theory makes sense very much, the parents should play the good preceding performance's role in front of the child, because of the child momentarily in the study, is observing 0. do not neglect child's learning capability. My experience is, the child momentarily is observing parents' words and deeds, from infancy to maturity imitates adult's words and deeds, obviously family to child grow and personality mold essential status.
According to author's observation, will manage finances the investment parents, child's managing finances investment too will not be bad. If parents in front of child not money, when the money uses, wastes the money at will, after that child grows, will be possibly also exactly the same. Therefore, the parents are family managing finances and the investment actor, momentarily the roll play good is very important, do not think that the family is a backstage, is careless.
How should the parents probably act good family managing finances and the investment role? First, must respect the money, the respect material, this is the most basic matter. Wastes not at will, not the chaotic flowered money, the child only then to will come not the easy wealth and the material has the respect. Second, the parents do not want to quarrel for the money in front of the child, many child childhood not happy experience comes from parents' quarrel, particularly quarrels for the money, will cause the child to have the negative psychological shadow to the money, will be is not very good to the personality perfection.
At the right moment holds the family finance conference
After the child goes to the elementary school, the parents may try to discuss the family in front of the child the financial plan, not necessarily must force the child to participate, but may switch off the television, the whole family gathers in the living room tries to let the child softly participation family the financial discussion, this time, the parents may calculate each month's income and the disbursement, lists the property debt table, with the soft guidance's way, establishes the preliminary managing finances idea in the child heart.
In addition, when has insurance visiting, the parents may also let the child participation, listens respectfully to some managing finances and the insurance idea together, this kind of opportunity training do not let off.
Taught that the child makes a careful planning, but not the mean-spirited person, depends on parents' guidance. Perhaps this kind of preceding performance's roll play opportunity,（Related ArticlesThe child is in the subject lead, you are the best supporting role）, leads the child to go out has a sumptuous meal, how to eat the province which good eats, before deciding that the dining room comparable the price, the emaciated look and lets the child participate in the opinion, then, the careful planning spirit comes out on the appearance, entire family eats the happiness, kills two birds with one stone.
The correct idea's establishment, is manages finances and invests the most important key. In addition carries out the strength. But the correct idea needs to mold since childhood, a child age smaller plasticity is higher, under how to cause the repugnance or not spoil things by excessive enthusiasm, the establishment next generation's correct managing finances investment idea, needs to look whether the parents roll play did succeed!
For him fish or fishing pole? The young wealthy man manages finances the camp to be just popular
When should teach that the child manages finances the idea, possibly is many parents, particularly mother's puzzle. Based on the psychologist to the child growth period's observation, the child in two to three years old starts to have the money exchange material demand actually, also will be the child will start in this times to study, imitates adult the world the money view and the use demand, will establish own money consciousness gradually.
The parents may by the observation discovery, the child probably from two years old, start to understand that the money will be a meaningful matter 0.3 year-old child in the pocket will regard Qian Fangdao will be plays 0.4 year-old child to start to know the money may exchange the material, will spend money to be possible to buy a beloved toy 0.5 year-old child to have to the money importance enters a understanding, knew that the money will come not easily. But before has not gone to school, the child from such as the rich person, plays the role of games and so on each family liquor, learns the money use gradually, and imitated adult to start to have the preliminary managing finances behavior, was just like saves money and so on. This time,cute baby boy clothes, does for the parents, except observes oneself child's money values carefully whether correct outside, should also start to induce and to instill into the correct money use principle and the method.
As a result of the child to the money idea and cognition weakness, in addition processes financial the custom, if fosters not early, will fear will create will squander money in the future. The present cash card, the credit card aims at the student tribal grouping tribal group, already formed not the small social question. Therefore, the parents should in the child elementary school to the junior middle school stage, at the right moment give managing finances the education. These education behavior is precisely the school edition serious insufficient place.
Which as for is manages finances the education, is the parents should give the child to establish early? This aspect's information is quite usually deficient, provides the suggestion in this is: Including, the primary account registration, the bank deposit, receives money the official method which and the idea and transfers accounts, the plastic currency use way, the loan and the debt and so on, should give the next generation clear and the correct idea.
The rich nation bank's young wealthy man manages finances the camp in every year's in August hold, the managing finances camp curriculum content is comprehensive, contains each kind of most basic managing finances tool, has the understanding bankbook, the financial card, the check, as well as the study abroad traveling can use foreign currency, credit card and so on, moreover also introduces the fund, the stock, does the insurance idea, simultaneously also teach the child to be how intelligent manages own pocket money, what is more special, the activity also arranges to visit the bank counter, serves the distinguished guest level customer specially the platinum managing finances center, but also has the bank big elder sister to teach the child to count the bill. Recently even more entered most popular my philharmonic to pass the curriculum, analyzes probability which and principle Lotto drew a prizewinning ticket, had a look at the child to finish attending the class to have the means to guess correctly the propitious digit!
Teaches the child to play the rich person, studies managing finances from the game
The rich person is when many person of childhoods plays game. Also remembered that I first time play the rich person am in probably the elementary school second grade. At that time does not have the electrically operated mechanical games, does not have the computer, only then the glass moonie, plays the rich person is really the supreme pleasure.
The rich person is child's managing finances and the investment very good basic tool. Especially can study from the game manages finances and invests, may not strive for way. The elementary school stage plays the rich person, besides may know the currency the exchange value, as well as the currency investment can produce Canada while effect, may also study the cash flow the idea.
I suggested that the guardians many and the child play the rich person, raises the parent-child sentiment. The child may understand and play this kind of game approximately the kindergarten middle shift to the kindergarten class for six and seven year olds, so long as the parents patience guides from side, the child very quick may enter the condition. However, what I must remind the guardian is, do not too desirably adult world managing finances and the investment idea instills into from the very beginning for the child, should better be lets them natural enter the condition, studies correct managing finances and the investment way from the mistake and in defeat's experience, establishes the correct idea. The heart lives clearheadedly:
Indeed, miser and moonlite non-wise. Eats not poorly, puts on not poorly, will not plan must be suffered. The Chinese is always astute, element by thrifty autonomy. But such tradition seemed under market economy's impact the vacuum, the guardians has been getting more and more rich, the compensation psychology caused them always to want to let the children be short a pain, but the rich three generations, kept the gold and silver mountains with it to give the children, how was the might as well called him (her) to manage finances. This is similarly gives the fish and the fishing relations. How to discuss managing finances with the child, this topic should promote to the academic society survival to treat highly.
Altogether discusses the experience:
Is really present's child the expense is excessive, what sees to want to buy what, also doesn't treasure the wealth, what the reason is? Because in family's money is the public ownership system,gifts for kids, spends government's money children not to be able to be grieved naturally.
In order to let the child spend knows the heart pain, must come family's in money a privatization reform, is actually very simple, is passes the money which our whole family altogether has, divides into three: Daddy, mother, child. Certainly, child's money do not delimit in baseless his account, but is must look that which the child did make to the family to contribute every month, according to the contribution size assignment wages, this wages was child's private property, other certainly was daddy and mother. Because is the distribution according to work, therefore the child minute arrives the spending money is own hard-earned money, like this completed the privatization to reform.
In the reform process, the child one may feel that own wealth are hard-won, two may feel that this money is really own, generally is the human, will be will treasure doubly to the hard-won private property, this money not easily chaotic flower. If one day, you window-shop together with the child, just before leaving may say to the child: Various people bring the good various people's money. By now, you used the eye to glance the child, that appearance might be parsimonious: Careful turns on own Purse, the balance over and over, multi-belt, few belt? Finally can certainly be the few belts, or simply an article does not bring, will not look like formerly such again, spent government's money lion big aperture. You looked that the thrifty bad habit depended entirely on the private ownership to foster, how like this could let the child learn to handle own wealth gradually.
Walks on the street, because child are rich, saw delicious, amusing, buys is takes responsibility, will not entangle adult to ask for money again to buy the thing - not to be colored saves, squanders has stared on helplessly (seeps has spent must have budget idea). However I may remind adult, saw the child is on hand tight, you may the heart too not be soft, also gives him several dozens Yuan to spend at will, such consequence is: The privatization reform can be defeated, the child will turn the ancestor who will spend.
Managing finances secret:
First, before studying the earlier period (five years old): This stage must teach some simple knowledge, prohibited that before instilling into abstract concept which too many study, children are unable to understand, they are only interested to the concrete thing. For example, should tell the child:
1st, although a jiao coin is smaller than five point coin, but is actually more valuable.
2nd, the coin may use for other things which receives in exchange for them to want.
3rd, on after television's toy buys, will not look like on the television to be such attractive, moreover by no means such will be also amusing.
4th, saves money with the toy can be very amusing.
5th, is not each same thing which you want can obtain, even if this thing is near at hand.
When carries on the education to the child, you must consider their age. Possibly you took the talking, but the child still insisted that wanted that thing, this did not have strangely what. More importantly, must let the child custom hear you not saying that and why explains.
Second, childhood (6-11 years old): After the child enters the pupilarity, the study initiative strengthens, processing related money's question's ability also improves. Therefore, strengthens child's sense of discipline and the sense of responsibility for this stage important task, the guardian should the raise child:
1st, may have the spending money, but cannot request to pay in advance.
2nd, buys the movie ticket with own money, between-meal snack or the game card.
3rd, goes to the supermarket to take to bring with the shopping detailed list, selects several cheap commodities.
4th, will have bank the money, the bank will always not be remaining for you, but will make loans it, or will carry on the investment.
5th, you want by no means each same thing you can obtain, even if it is near at hand.
Third, young people time (12-18 years old: This stage's child was already basic sensibly, may teach them some substantive financing method:
1st, even if you reduced attire aspect expenditure, can also put on own style.
2nd, please pay attention the family the financial expenditure, goes to college the expense including you.
3rd, prepares a wealth book, learns the regular reorganization, achieves the balanced revenues and expenditures.
4th, hiring out for working will make usually money saves half to imitate arrives at the expense which part of studies expenses and the present will go to college.
Director language: Present's I, have been itching for a fight, wishes one could to put immediately in the practice, but, the heart flute not yet gets married, had to place hopes in the friends temporarily. According to own child's characteristic, integrates own understanding, also not quickly goes home to try!
