The pencil box in Rollin Wang is the most expensive in the shopping mall. It has three automatic floors. Her eraser is also a famous brand, the latest cartoon style. Many times, before her old eraser was used up, a new model came on the market again, so Rollin Wang immediately replaced it with a new one and left the old one in the trash can.
On one occasion, Wang Rong helped her mother do statistics, and her monthly expenses turned out to be the largest in the whole family. Mom is also rethinking whether the child's consumption concept is related to herself. It must be that my own consumption concept was wrongly conveyed to my children.
Expert analysis of financial management education
For children, a large part of their consumption concept is imitating their parents. Parents are also people who teach their children how to spend money in life. Therefore, in order to cultivate children's good consumption concept, we must start from parents. Parents guide their children with correct consumption concepts. In order to better help children establish a healthy consumption concept.
One thing about rational consumption is to spend money where you need it most. Don't waste it at will, learn to restrain your impulsive consumption desire and be a more rational consumer. For children, how to tell which things are their own necessities and which are not? There is a simple criterion to judge whether buying or not has a great impact on your life.
Parents should cultivate their children's good consumption concept and put an end to their wasteful behavior, so they should pay attention to cultivating their children's frugality. Thrift is the bane of waste. A child who has developed the habit of frugality will better judge whether what he wants to buy is what he needs most in the usual consumption process, thus effectively restraining impulsive consumption.
If parents want to cultivate their children's good consumption concept, they should make good use of some opportunities in daily life, teach their children some common sense of consumption, and let them learn to spend and know how to allocate their money more effectively.
Parents should do this.
Method 1: Help children distinguish between "need" and "want"
Parents should help their children distinguish between "needs" and "wants". In children's consumption behavior, these two words mean whether children have achieved rational consumption, whether they have impulsive consumption in the process of consumption, and whether they have caused waste. What children buy out of "need" is the product of rational consumption.
Parents should help their children control the idea of "buy it if you want". Because not everything you want is the result of rational thinking. Many times, after buying it back, I find that I don't "need" things.
Method 2: Help children overcome the impulse to buy.
Parents should let their children overcome the enemy of reasonable consumption-impulsive consumption. Especially for young children, their ability to resist temptation is weak, so it is easy to be defeated in some commercial propaganda. Children's consumption in the process of comparing with others is also an unreasonable consumption behavior.
When children's consumption habits are still in the stage of not being finalized, parents' meetings are more conducive to cultivating children's good consumption habits. Let children spend rationally and reasonably from childhood, manage their finances better, and don't be a wasteful little master.
Method 3: Teach children basic buying skills.
Parents should teach their children some basic consumption skills. For example, how to use coupons and tips, and shop around. These skills can enable children to "do great things with little money" when doing the same thing. This will not only save money for children, but also teach them to shop.
Method 4: Don't let vanity affect children's consumption.
In the process of guiding their children to consume, parents must let their children put an end to their vanity. Children's vanity in the process of consumption will make children compare consumption. Children's comparison in consumption will only lead to more waste. Consumption with this mentality will only lead to more unreasonable consumption.
Parents should pay attention to correctly guiding their children and don't let them be controlled by vanity in the process of consumption. Only by spending wisely can we manage our finances effectively.
Method 5: Let children know how to spend according to their own abilities.
Parents should let their children know the actual consumption affordability of the family. Let the children know about the family's financial income and expenditure, understand the family's economic accounts, understand the family's economic affordability, and let the children do what they can. Only by spending within the financial affordability of parents can children achieve reasonable consumption, thus cultivating children's correct consumption concept.
Jin Yan financial intelligence education
The correct consumption concept can better guide children to consume reasonably. There is no bad phenomenon of impulse consumption and comparison consumption. Good consumption habits can make children accumulate more wealth.