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Teach kids how to spend it

It is said that consumption of pocket money to children learning "school fees". Indeed, money is not a simple matter, from needs analysis, control the desire to gather information, select merchants, compare the quality and price of goods, to the bargaining, change check, dominated an allowance in the process, children can learn a lot of things.  So, wise parents will not exclude children with money, and will teach the children how to spend it. ★ Money how to: date: younger, smaller intervals as short as children age, the ability to plan and control the worse, so the bit interval should be shorter. In General, a one week before the age of 10 children, 10 years of age children can, where appropriate, half a month, once a month, until the extension to once a semester.
One issue allowances for the best timing and issued every Monday, similar to the form of payment of wages. Issued at this time, and can avoid weekend release quickly the phenomenon of extreme poverty; people can prevent impersonation.
Amount of pocket money of standards should be determined by circumstances, taking into account the consumption allowance will be covered by the project, taking into account the economic situation of parents, taking into account the market conditions (refer to the standards of other smaller partners), to take into account the child's age level. In General, 10 years ago, children's pocket money do not normally include the daily consumption, such as fares, meals, etc. The age of 7, recommended weekly allowance of no more than 5 Yuan.
Structure an allowance of emulating the adults pay structure pay system, constituted by the base pay with additional incentives and rewards. In addition to weekly "base pay", the child can be paid for through domestic labour or through the outstanding performance prize. In this way, children will slowly figured out that only labor and effort to earn more money, there's nothing good.
★ Money how to use:
1, learning after the age of 3, children can learn to accept notes and coins. Known coins not only ask children to name the face value of the coin should also know that they represent the actual value. On the bus, let the children go to the slot, know an air-conditioned bus tickets more expensive than without air conditioning in summer, let the children to buy a popsicle, learn about different brands of popsicles, price is not the same; when the children's Park, lets the child know that 10 Yuan can play some recreational activities.
Older kids, you can let them witness a zero against the whole Exchange, all against zero, learn coin conversion factors between units.
Child 2, consumption in the process of what they spend, parents to teach their children a prudent decision to form a proper consumption concepts, develop basic spending power.
"What to buy"--study on-demand consumption with the money do not want to buy anything, parents need to help children tell step by step: what is required and what is optional, which is a waste, know what to spend the money to spend, don't spend money to save. Through pocket money, you can to children passed good of life concept, as commodity is buy not finished of, we must learned rational to choice, in meet part wishes of while, on have control other of desire; a a people of wealth and Earth Shang of resources are is limited of, thrift is a virtue, it can makes we can put more of money with in more has meaning of things Shang.
"Who will buy"-learn how to compare and select children tend to get to run to the store, find a commodity is that it. Older children may know something about the quality and price is high or low, but most of them are not taken into account either, or the pursuit of brand or blind pursuit of money. Who ought to determine something to buy, what kind of? Parents may wish to consider when shopping with their children, in front of the dazzling array of store shelf to shop around, compare the quality and price of products, learn to trade-off.
"How to buy" – learn the bargain, change check "bargain" is actually an interesting mind game, let the child know businesses bid and the actual value of the goods is a space between, "business", avoid "suffer big loss"; comes with, children's language has been tempered. When you bring your children to buy food, simple operation allows the child to complete while running errands for the adult children, asking him to report price and balance, this is a real opportunity to train our children to change check.
3, after money for their child's primary school, will be able to use allowances for financial education.
A, give the child to open a bank account, making children familiar with the financial institution to handle the General procedure, knowing that the money in the account belongs to all.
B, learn to plan expenditures, for example, let the children draw up a list of spending plans this week, make a rough budget for their expenditure.
C, Institute of accounting and accounting. In a small book to record their expenditure, the weekend accounted for irrational consumption, balance of income and expenditure, the expenditure and budget is different budget is unreasonable loss or consumption, sum in order to adjust the plans next week.
D, bulk items, you can let your child experience the meaning of saving and borrowing. For example, children would like to buy a pair of skates to 100 Yuan. Parents can offer their children to seek additional income through labour remuneration and performance incentives, and saved 5 per week and save 3 months, make up over 60, borrowing from parents 40 February paid off, interest payment 2. In the financial activity of these truths, the child can truly understand the meaning and value of the savings-and-loan.
4, learning to love was always figuring out money will inevitably be utilitarian, to let them know that money is not just about the money.
For example, parents pay for kids donation in the donation campaign, in addition to achieve the goal of fundraising, education of children and were not affected by love. It is best to let the children out of their money, children will gain and loss faced tradeoffs and choices, both donate donate more and is less a baptism of love. When a holiday or birthday, let the children use Pocket money to buy some small gifts for the family, to convey love and show love for money. In this way, children can understand money except for man's desire, there are more high value and significance.
Don't leave home with simple hook pocket money home is the responsibilities and obligations of every Member of the family, child labor such as pick up toys must be completed, keep your room clean and tidy, not charging remuneration. Additional services can be considered properly return, helping MOM to the neighborhood convenience store to buy a bag of salt, fraction may wish to find him.
Money is money, love is love, do not confuse money with none, regardless of the parents ' love for their children, and that parents are clear. But we still will not consciously to to children hinted both of relationship, like "you recently performance is bad, I not like you such, again such do on don't expect I next week will to you sent pocket money has", and "I dad I MOM is than you dad you MOM distressed children, you see they to I son so more money", and "dear, today I birthday you what gift are didn't buy, is you has not love I has. "
Make pocket money a family allowance, parents and children should be formally consulted to make the child feel the money is a system of the family life, Trump of not pressuring parents to their children, not parents ' emotions and feel free to increase or decrease the quantity. Pocket money when agreement is reached, both parties must abide by.
Child allowance in the use process will inevitably go wrong, don't blame the kid, give him a chance to exercise, more money will be spent to understand.
In the United States, parents from their children began to use money from the age of 3, structured and systematic education, such as:
* 3 age can identified coins and dollars Notes; * 4 age know each gold coins is how many cents, and awareness to cannot put commodity buy light, must made select; * 5 age know basic coins of equivalents, know money is how to of; * 7 age can will number is unlikely to of money change, can number clear large coins; * 8 age know can through do additional work money, know put money exists savings account in; * 9 age can developed simple of one week overhead plans, shopping Shi know compared price; * At the age of 10 know how to save a little money each week, for big use; * knows from TV commercials found 11 facts * 12 years to develop and implement two-week spending plan, understand the proper use of terminology in the banking business. BACK