Cultivate little riches like American parents
After the baby receives the New Year’s money, the mothers worry: If they are forcibly deprived of their right to deal with money, they are worried that it will not be good for him in the future; if they are left alone, they will be afraid of developing a wasteful habit.
Maybe we should learn from American parents: 4-year-olds will earn pocket money by doing housework, and when they are 8 years old, they will discuss with adults how to buy stocks and online auctions. The “rich man” comes from the “little rich man”.
Story of friend AMY AMY was married to an American. When he celebrated Chinese New Year last year, AMY brought his son back to visit relatives, and met old friends by the way.
I don’t know who was talking about the stock problem at the dinner table. AMY’s son suddenly talked. In addition to marveling at his knowledge of stocks, it was more because he was just an 8-year-old child.
AMY said that this has nothing to do with her usual financial education of children.
AMY knows that his son likes McDonald’s most, so when he was 6 years old, he gave his son a share of McDonald’s stock. Once he received McDonald’s annual report, AMY’s son would read it carefully.
Like AMY, there are also some American families that cultivate children ‘s financial quotient in this unique way. Some of her neighbors, Mrs. Walter, use the Internet to auction things, and those things are just 4 big boxes of cartoons.
Mrs. Walter said, just saying: Why don’t you try to get it online?
The children made $ 2,000.
A good way to cultivate a small rich man For children, their concept is not clear, they just know that it can meet some of their wishes.
So, they know how to spend money, but they don’t know how to manage money.
The smartest way is to actively guide children to manage and plan money and reset the joy of children’s experience of harvesting and giving.
AMY introduced us the golden ideas for Americans to cultivate children’s financial management: Method 1: Being a steward in turn is like playing a house. Children love this game. Parents can use financial management as a game to share with their children.
For example, set up a book with your child and let the child keep track of the rest of the day. For example, if you bought a book today for 10 yuan and a pencil for 2 yuan, you can record it on the small account book.
In this way, the child has a preliminary cost concept.
Slowly, they will find that pocket money is limited, they will redesign their purchase plans, and gradually develop a budget capacity for the use of funds.
Method 2: Take the child to the bank to deposit the money. The father and mother can take the child to the bank to deposit and withdraw money and open an account for them to personally teach them how to deposit the money into the bank.
There is 400 yuan in the hands of a certain child, then the parents can guide the child to keep as much as possible for their own use, how much, and how long.
Initially, the deposit period can be shortened by three months, or half a year, so that they can see the increase in the number of deposits in the short term. I believe they must also have very valuable financial information related to the money, and consciously learn someFinancial management knowledge.
Method 3: Let games and stories help abroad. Some kindergartens have children’s supermarkets, where babies can buy a variety of daily necessities, and there are commodity price tags and cash registers.Process to raise money awareness and be able to recognize the value of multiple items.
Stories can turn abstract, complex concepts into plots that children can understand, and let babies know about money in the story. A good way.
Method 4: Involve your baby in “paying the bill” and take your baby to the supermarket for shopping together. Involving the children in “spending money” will not only allow them to understand the relationship between buying and selling, but also allow them to experience the fun of shopping, and alsoKnow the value for money.
After buying things for the child to give money, parents can give directions, for example: Why should we buy bread instead of drinks?
Because drinks are available at home, there is no need to buy them for the time being.
This will not only establish children’s outlook on money, but also let them know how to use money properly.
Although these special financial stories happened in the United States, Chinese parents have also started to pay attention to their children’s financial issues, and some new parents have also adopted their own methods of teaching children’s financial management, which may be worth doing-doing housework, I payMoney My child has been responsible for cleaning the home since 7 years old, and also helped my parents pull back and scatter, etc. Once a week, he can get a reward of 10 yuan.
Although 10 yuan is not a lot, in the past two years, he has had a small deposit of his own.
He allocates his deposits very well, partly for tools such as computer software, partly for saving, and the rest for things he likes.
Teach her to use her “children’s card” daughter to spend a lot of money, and we all want her to change this bad habit.
On one occasion, I accidentally saw a bank launch a “children’s card” specifically for children. This card has financial management functions and special bonus points that are very suitable for my daughter.
After returning home, I first used the appearance of this card to attract her daughter and told her that the card had functions such as consumption, financial management, and points rewards. The daughter was very interested, and immediately asked me to deposit the money for the New Year.
With my help, she also planned her own savings plan and consumption plan. In addition to leaving daily pocket money in the card, she also voluntarily asked me to turn most of my New Year’s money through the “children card” automatic financial management function.Time deposits.