Let children become financial experts from an early age. How to train children well is a problem that many parents think about, and there will be many troubles in the process of children's growth. The education of children must not be "promoted", and the baby's emotional cognition is still in its infancy. Let's share with you how to make children become financial experts at an early age.
Let children become financial experts as soon as possible 1 First of all, let's answer when to start cultivating children's financial ability. No matter how old you are, as long as children are interested in money and ask questions, we can start teaching them how to manage money. At this time, parents have played a role in stimulating the growth of children's financial management ability, and tried their best to convey the concept of financial management through life and children's language.
The next step is how to make children become financial experts. Cultivating financial management ability is the same as other abilities. The role of parents is to arouse and satisfy children's curiosity through methods suitable for their age. Financial management is a part of normal life. We don't have to make time for special discussion, but we should make full use of what happens in our daily life. When the child presses the button on the ATM, you can take this opportunity to tell her how the money is put in. If you keep your children busy looking for the best deal in the supermarket, shopping will become more enjoyable for your whole family. Bring the children to our company and let them know where the money to pay the family bills comes from.
Our ultimate goal is to cultivate children into adults who know how to manage money and have a healthy attitude towards purchasing power. But for preschool children, your goal is not necessarily too high. For example, it is enough to distinguish 1, 5 and 1 cent. Let the 3-year-old children choose among these three coins and see which one they will choose.
Of course, we can also save some money with our children. Children under 5 years old do not need to open an account. You just need to prepare a piggy bank for them. A child who knows how to save money from an early age will surely become the best among financial experts.
Conclusion: Cultivating children's financial ability is the beginning of children's future happiness plan. While training children to become financial experts, let them gradually know the hardships of their parents to make money, which can reduce their extravagance and waste in the future. This concept of financial management cultivated since childhood can affect their life. If "the early bird catches the worm", then "the child who manages money early will have money to spend". We don't emphasize the importance of money, but preach the necessity of cultivating children's financial management ability. I hope every child can become a financial expert and a real monopoly under the leadership of his parents.
Let children become financial experts from an early age. 2. Buy the game method
When children are young, you can play some role games with them, such as letting children sell things as supermarket owners and parents buy things as customers.
At this time, parents can prepare some paper money to use in the game, so that children can experience what real money looks like when playing, which is conducive to children's deeper understanding of money.
When you are older, you can take your children to experience real shopping together. Parents and children can list all the things they want to buy. In addition to the commodity name, the list should also include the budget.
When you get to the supermarket, you can let your children find things according to this list and compare prices. For example, if you want to buy a pack of 15 yuan washing powder, you can show your child what kind of washing powder is in this price range. So that children can learn to consume rationally.
When I take my baby out to play, he sometimes clamors for something. At this time, I will show him the price and compare it with him to see if the money is more valuable if it is used to buy other things.
Second, the double savings law
The librarian mentioned such a method in my handbook of wealth freedom: double savings method. How to use this method specifically?
If the child can save 10 yuan, then the parents can save 10 yuan for the child, so that the child can save 20 yuan.
Of course, if children spend money within a certain period of time, then parents can take back some subsidies as punishment.
In this way, children can learn the good habit of saving.
At this time, you can buy a lovely piggy bank for your child. Every time a child wants to save money, let him put it in, which will make saving money have a sense of ceremony and increase the motivation of children to save money.
Third, the practice of pocket money.
When the children are older and have the ability to manage their own finances. At this time, you can give him some pocket money appropriately and let him take care of it himself. Of course, this time is not a question of giving money, but it needs some appropriate guidance.
For example, it is stipulated that children must use this money to buy their favorite toys or snacks, and they cannot ask their parents for it alone. Because money is their own, children will cherish it more and reduce their habit of spending money indiscriminately.
After children's financial management ability is enhanced and their pocket money is increased, they can be taught to divide the money into three parts. The first part is used for ordinary consumption, such as buying books and toys. The second part is used for short-term savings, such as parent-child tours and summer camps. The third part is used for long-term savings, such as college tuition and living expenses.
At this time, parents can take their children to the bank to open an account. It would be better if they had a passbook. In this way, children will be more motivated to watch their money grow under their care.
Children's financial education is not only related to how he treats money, but also to his growth. Compared with wealth itself, it is more important for children to hone themselves and exercise their will to become an independent person with wealth and spirit.