How to manage the child s money, and how to educate the child with the family s money

Don't give your child pocket money and let your child do the housework on his own to earn money.

Adopt a calm, calm way to educate, give children a moderate amount of pocket money, and let children learn to save money.

When parents find out about the problem, they should not be angry and scold, but try to control themselves. Call the child in and sit down for a serious conversation. According to the facts, focus on two aspects of analysis for children:

The first is the issue of right and wrong. In connection with reality, explain to children how to treat money clearly will reflect a person's quality, and small problems will become big mistakes. Second, what should I do if I want to spend money?

Tell the child what he wants to buy and tell the parents, whether the parents give money or not is considered after thinking, and it is not good for the child's growth to give the money if he asks for it.

Children need pocket money, and some parents don't give it at all, which is inappropriate. The amount of pocket money should be based on reality, depending on the family's economic conditions and the actual needs of the children, and the children should be instructed on how to spend money.

The New Year's money and the remaining pocket money are stored for the children, and a current passbook is opened, and they are deposited one after another, and when they are really needed, they can use as much as they want. This not only cultivates the child's ability to accumulate money, but also cultivates the best habits that come out of the child's mind.

1. Take turns to be a housekeeper: Just like playing housekeeping, children love such games, and parents can use financial management as a game to share with their children. For example, set up an account book with your child and let your child record the expenses of the day, for example, today it cost 10 yuan to buy a book and 2 yuan to buy a pencil, then you can record it in a small ledger.

In this way, the child has a preliminary concept of spending. Gradually, they will realize that their pocket money is limited, and they will redesign their purchasing plans and gradually develop the ability to budget for the use of funds.

2. Take your children to the bank to deposit: Mom and Dad can take their children to the bank to deposit and withdraw money, open an account for them, and teach them how to deposit money in the bank. For example, if the child has 400 yuan in hand, then parents can guide the child to keep how much for their own use, how much to save, and how long to save.

At the beginning, you can shorten the deposit period, such as three months, or half a year, so that children can see the increase in the amount of savings in the short term, and I believe that they will also be very interested in the financial information related to the money, and consciously learn some financial knowledge.

3. Let games and stories help: In foreign countries, some kindergartens have children's supermarkets, where babies can buy a variety of daily necessities, and there are commodity price tags and cash registers, babies can improve their money awareness through the purchase process, and can recognize the value of various items. Stories can transform abstract and complex concepts into plots that children can understand, and it is also a good way to let babies learn about money in the story.

4. Let the baby participate in the "pay": Take the baby to the supermarket to shop together, let the child participate in "spending money", not only can let them understand the relationship between buying and selling, but also let them experience the fun of shopping, so as to know the truth of value for money. After buying something and letting the child come here to guess the money, the parents can give guidance to Sen Fool from the side, such as:

Why do we buy bread instead of drinks? Because the drink is available at home, there is no need to buy it for the time being. This will not only build children's view of money, but also let them know how to use it properly.

Learning how to manage money is a must-have skill for everyone. But many parents still have the idea that their children are still young and will be taught when they grow up.

Grow up, grow up, which age is the real growth?

In fact, this is largely due to the failure of parents to cultivate a correct financial outlook for their children. Establish a correct financial concept for children, and you need to do it as soon as possible! Don't wait until your child spends money indiscriminately to realize the seriousness of the problem!

1.Teach children the concept of money.

From the moment your child asks to buy something, you can take the initiative to explain the concept of "money" to them. Let them understand that money can be used to buy things, and that things can only be bought with money. And money doesn't appear out of thin air, it needs to be earned by working through work.

2.Parents set a good example.

Parents are role models for their children in all aspects of life and financial management.

Parents usually spend lavishly, and it is difficult for children to learn to be diligent and thrifty. Children should be educated and cultivated from an early age, and parents should lead by example, spend every penny wisely, and teach their children to learn how to manage money.

3.Develop the habit of rational consumption.

During the festival, if the children receive all the confiscation from their parents from relatives and friends, the children will feel very disappointed, and even some children will not have pocket money in normal times, and the two are completely separated, in fact, this is not good.

Instead of confiscation, involve your child in planning how to use it. Buy toys, buy books, buy things for grandparents, save ......Let the child say the purpose of each expense, and gradually the child will know to spend money reasonably, and learn to spend rationally.

4.Teach your child to keep accounts.

For older children, parents can teach their children to keep accounts, and they can buy a cute account book for their babies, so that babies have the concept of bookkeeping. For example, how much pocket money the baby gets today, you can record it, record the daily expenses in the account, and check the change in your own hands. Babies will have a clear understanding of "spending money" and "making money", and learn to "live within their means.""。

5.Teach your child money-saving tips.

There are many great ways to save money in your daily life. For example, before shopping, let your child make a shopping list, which can not only control your child's desire to buy, but also let him know what must be bought and what can be saved, so as to avoid overspending on what he sees and what he buys, and his financial management ability will also improve. Dan Xun.

1. Stay calm. When you find that your baby is secretly taking money from home, parents should keep a cool head. Whoever encounters such a thing will have a feeling of disbelief, their own children, who are not short of eating and laughing, are not lacking in laughter, and they are of course very angry to do such a thing, and they can't wait to beat them up.

When you encounter such a situation, please remain calm and do not use violence to solve the problem.

2. Ask why. When you find that the baby secretly takes money from home, parents need to communicate with the baby and ask why the baby takes money from home, and must understand the reason clearly, so as to solve this problem.

3. Appropriate punishment. After finding that the baby secretly takes money from home, the child can be punished appropriately for doing something wrong, so that the child understands such a truth, that is, if you do something wrong, you must bear the consequences, and you can punish the child for thinking about it, so as to give the child a concept of right and wrong, and understand that it is wrong to take money secretly from home.

4. Parents should manage their finances well. After finding that the baby secretly takes money from home, parents need to manage their own finances well, and it is best to lock it, so that the child will not get the money, and do not publicly put it within the reach of the child.

Teaching children how to manage money is an important homeschooling task, and here are some suggestions:

1. Lead by example: Children often learn by imitating their parents' behavior, so parents should do their best to make good money decisions and set an example for their children.

2. Establish a budget: Teach your child how to build a budget and manage spending, which can be achieved by giving your child a certain amount of pocket money or allowance and then letting them manage it themselves.

3. Encourage saving: Educating children on how to save can be done by encouraging children to save money in a savings account and helping them set savings goals.

4. Teach financial knowledge: Let children understand basic financial knowledge such as investment, interest, bonds, etc., which will help children become financial decision-makers in the future.

5. Encourage hard work: Let children understand the process and value of making money, and encourage them to earn income through their own efforts.

6. Don't overindulge: Parents should educate their children about the degree of consumption and pleasure, and don't let children fall into the trap of overconsumption and waste.

7. Cultivate a philanthropic mentality: Educate children how to contribute to society through charity and donation, and understand the value and significance of charity.

Through the above suggestions, parents can help their children understand the value of money and management methods, and train them to become rational and responsible financial decision-makers.