How can a child from a poor background develop financial intelligence?

Extraction code: cj69 Always say that let the child win at the starting line, so the increasingly heavy schoolwork outside the training class almost makes the current children very stressed, and with the material conditions getting better and better, the child's concept of money is almost more and more irrational state: either too indifferent (easy to lead to spending money does not know how to cherish), or too focused (money is very important), so for parents, accompany and participate in the growth of children, and gradually help him She establish a correct and rational view of money, Very important.

If a child born poor wants to cultivate financial intelligence, he must first know that money is inseparable from daily life, and he must know how to use money sparingly and be able to keep accounts, and the most important thing is to give him a sense of security in terms of money. In fact, a person's financial quotient is as important as his IQ and EQ, if a person's financial quotient is very high, then even if he can't make a lot of money, he can still keep his life in order through financial management. In many Western countries, they cultivate children's financial quotient has begun since childhood, at the age of two or three to let children identify coins, and know a lot of types, and at the age of four or five will let their children use a pen to draw money, when they reach the age of six or seven years old, they must let them know that they can only get paid through labor, that is to say, some housework in the family can only be done to get pocket money, The older they get, the more they inculcate the idea of money, and over time they form a child's high financial quotient.

In order to cultivate his financial intelligence, a child born poor must first let him know that money and life are inseparable. In fact, in order to let the child understand the meaning of money, you can take him to the mall a few more times, so that a transaction process will be formed in his heart, and the child should be encouraged to consume, but to tell him how to consume rationally, to establish a scientific concept of money.

If a child from a poor family wants to develop financial intelligence, he must first know how to save money and make his own account book. When the child is young, let him form a habit of saving money, and every time he gets paid, he should save part of the money, so that he can achieve his big goals, and force the child to keep accounts, so that the child will know that his money is not easy to come by, and will be spent more reasonably.

First of all, it is necessary to establish a good sense of savings and financial concepts. Secondly, we must learn to save money instead of spending money, many people will always say that if you don't spend money, you won't make money, but I think that only by understanding that saving money is not easy can you spend money better.

Children born poor want to cultivate financial intelligence, and they can use the resources they can obtain to try various businesses first, such as cutting firewood and collecting old goods.

In fact, although there is nothing from a poor background, you still need to work hard and learn new knowledge is the most important thing.

If a child from a poor background wants to cultivate financial intelligence, he must learn to earn money by himself, so that he can support himself independently earlier.

Children from poor backgrounds should have more exposure to financial and business content, and can choose relevant majors in college.

Educating, motivating, and empowering children to be everyday savers and investors will allow them to save more and get more for the same money. Decisions about day-to-day expenses can have a more negative impact on a child than any other investment decision. Here are fifteen simple ways to help you educate your child about personal money and how to manage it:

1. As soon as the child can count, tell them what the money is. Actively tell them about money. Observation and repetition are two of the most important ways a child learns.

2. Talk to your children about money as they grow up – how to save money, how to earn it, and most importantly, how to spend it wisely.

3. Help your child recognize the difference between needs, wants, and desires. This prepares them for spending decisions they make in the future.

4. Set goals to learn the basics of money value and saving. Young and old, people seldom achieve goals they have not set. Almost every toy or other thing can be a goal-setting training session. This kind of training will teach children to be responsible for themselves.

5. Tell your child about saving money and the value of spending it. Explain the concept of earning interest on savings. Consider paying interest on your children's savings at home; The child can help calculate the interest and see how the money is quickly accumulated through compound interest.

Later, they will realize that the fastest way to achieve a good credit rating is through a series of successful savings on a daily basis. Some parents even match their children's savings to their creditworthiness level themselves.

Money education for children is an important way to develop their financial awareness and ability, and here are some specific suggestions and methods:

1.Establish saving habits: To educate children about the importance of saving, you can start with your pocket money, so that children can learn to save and distinguish between income and expenditure, so as to establish good saving habits.

2.Cultivating financial skills: Educate children on how to manage money, including how to make budgets, how to control spending, how to invest, etc., to help children build financial skills.

3.Cultivate the concept of consumption: educate children on how to consume correctly, including how to identify the quality, quality and cost performance of goods, etc., to avoid blind consumption and waste.

4.Education through games, practice and other means: You can use some interesting games and practical activities to carry out money education, so that children can better understand and master financial knowledge and skills.

5.Lead by example: Parents can lead by example and be a role model for their children, so that children can learn the correct concept and values of money from an early age, and establish correct consumption and financial management habits.

In general, money education for children is a long-term task, which requires the joint efforts of parents and educators to educate children through a variety of ways and methods to help children establish correct money concepts and values, and become people with financial management ability and consumption wisdom.

When children have a certain sense of money, it is best to help cultivate financial intelligence and consumption concepts. In this way, when he comes into contact with money in the future, he will not be confused and spend money indiscriminately, and he will know how to plan his life reasonably.

And children who are not allowed to touch money from an early age may grow up with no concept of spending money. You can spend as much as you earn, and even spend ahead of time. This can lead to a constant burden of money and even debt.

Use New Year's money to cultivate children's various abilities.

So, what should we do with the child's New Year's money?

Storage. Nowadays, many parents will get a card for their child, or buy a piggy bank. Whenever the child receives New Year's money, he accompanies him to save the money. Year after year, little adds up.

In fact, this is also a guarantee for the child, so that he understands that he has a sum of money, and when he encounters an emergency situation in the future, he will not be too flustered.

In addition, we are also teaching children to have a sense of saving. When he works on his own in the future, he will not squander it wantonly. Rather, they have the consciousness of saving money and know how to save some of it for a rainy day.

Take a portion of it as an expense.

Of course, to cultivate a child's financial intelligence, you must not only teach him to save money, but also teach him how to spend money. For example, we can divide the New Year's money into several parts. Part of it is stored, and the other part is used as expenses.

And this part of the expense can be spread evenly over each month. How much money you spend each month to buy study stationery or things you like?

If you don't spend all the money in one month, it can be accumulated to the next month. And if you run out of money for a month, you have to learn to wait until the next month to spend it.

In this way, children can know where their money is being spent and whether it is reasonable to spend it. It can also exercise children's self-control and sense of responsibility.

Build a library. It's always right to let your child read more. We buy a bunch of toys and a bunch of clothes for our children, so we might as well buy more books for our children.

We can use the child's New Year's money to build a small library for him. Buy the books he wants to read and the books that are suitable for him to read, and put them in different categories. In this way, children can cultivate their interest in reading from an early age and develop a good habit of reading.

Moreover, the library is bought back by the child's own money, and he will know how to cherish the book more. 、

I will use the matter of dealing with children's New Year's money to cultivate children's financial management concepts.

1. Suppressing children excessively in terms of money will make children develop the vice of lying or stealing. As children grow up, they will gradually become aware of the benefits of money, and at the same time, their social connections will gradually increase. When children are together, it is inevitable that there will be money problems, especially nowadays, children have more and more pocket money.

If his child always has no pocket money, he will try to avoid socializing with his classmates, which is not conducive to his interpersonal relationships. In addition, the child has never enjoyed the fun of spending money independently, he will be attracted by this kind of fun, and begin to find ways to let himself have money, such as collecting money from the family, finding a way to ask people for money, etc., asking the family for money is naturally not possible, so simply go to others to find a way, the consequences of this are unimaginable. Children who do not have pocket money since childhood will grow up to be overly interested in the energy of money, and they are more likely to become disrespected because of money.

Therefore, giving the baby pocket money in an appropriate amount is a prerequisite for the baby to develop a more open-minded view of the golden calendar.

2. Parents should help their children establish the concept of financial management and learn to plan consumption. Blind saving cannot save a child's bright future; And children who have the correct concept of financial management, know how to control their desires, and can spend rationally will truly become the masters of money. Parents can help them make a plan and agree on the scope of application of the money that their children have, so that children can decide how to spend on their own. And let the child understand that the running water does not rot the truth of the hub, if the money is not imported but exported, then the cost is only less, if you want to have some more valuable toys, books or other supplies, you need to weigh it yourself, and then make a decision.

Once it is determined that the portion is paid by the child himself, the parent should stop providing monetary help. Unless the child is willing to exchange his own labor or contribution for money from his parents.

3. Money does not blow in the wind, it needs to be paid to be obtained. Nowadays, too many children take it for granted that their parents' money comes from their mobile phones, and there seems to be countless money in their mobile phones, and their parents can pay for them as long as they want. Therefore, parents should help their children establish a relatively complete concept of money.

Parents' money is not endless, everyone's ability to pay is limited, and it is not possible to satisfy the child's desires without limit, but to spend it according to the income in a planned way. Parents can't satisfy their children's desires at will, some needs are necessary, some desires can be extinguished, and some hopes need time to wait. When children gradually have these awareness, they will have a comprehensive understanding of their New Year's money, so that they will become rational, know how to plan consumption, and know how to cherish money.

Whether money is a good thing or a bad thing depends mainly on how we understand money. Many parents think that their children are too young to understand even if they are taught about money. But in fact, it is very necessary to educate children on financial quotient at an early age, because financial quotient education can not only teach children how to manage money and spend reasonably, but also greatly affect children's lifelong view of money.

1. Lack of awareness of parents In real life, many parents spend money lavishly, and they have not established a correct concept of financial quotient. In this way, it is more patient to cultivate the financial quotient of children. How parents educate their children depends largely on what the parents' perceptions are.

If parents themselves lack the awareness of cultivating financial management, then the cultivation of children's financial quotient will not end.

2. Spoil your children, most of the Hongsheng financial quotient used in the West to cultivate children's wealth and quotient is to let children work by themselves in exchange for remuneration. But this method is not feasible in most families in China, because Chinese parents are very spoiled children, and they are reluctant to work for their children, and parents who have the ability will definitely meet their children's needs. Second, most children are spoiled by their parents, and their personalities are very arrogant and lazy, and they are naturally unwilling to participate in labor.

3. Parents are reluctant to let their children get in touch with money too earlyMost parents generally believe that their children are exposed to money too early, and it is very easy to develop the bad habit of spending money indiscriminately. In order to protect their children's hearts with a pure pure land, many parents do not compare with others, so they avoid talking about money in front of their children. There is a saying in Harvard's financial quotient course:

In a family, children can't manage money, and they can't be rich for three generations. This is a good illustration of how important it is for parents to cultivate their children's financial intelligence. However, although most parents know the importance of financial management, they do not know how to raise their children.