How to make children outstanding in financial quotient and become financial experts?

The model of doubling the year-end reward can be introduced to stimulate the awareness of saving and saving. For example, by December 31 of each year, if your child has 500 pocket money left in the year, pay your child the same amount of 500 yuan as a reward. First, it can curb the impulse to consume, and secondly, it also stimulates the motivation to save money.

Financial management is important, that is, to make our money gradually become more or more meaningful in the process of our operation, which is the key factor. We first have to give the money to the child, and then we have to let him make an account book and develop the habit of keeping accounts. And let him think about what should be spent and what should not be spent.

And for his pocket money, we have to send her regularly. Instead of a little more at this time, a little less at that time, which would disrupt his plans.

Children don't have much understanding of wealth, so you have to make him feel the importance of money and make him have a real sense of money. It's not that he gets the money in his hands, and it is directly converted into all kinds of products that can be used for his entertainment.

For example, go to an Internet café to play games, go to an electronic game hall to engage in various projects, or buy some of your favorite toys. These actions will make his pocket money go away quickly, and then it will not be beneficial to the financial management. But even then, we have to give them pocket money, we have to give them enough money.

Only in this way can they have a sense of money in it. Otherwise, he doesn't understand what money is, and then he won't be able to train his financial quotient.

Money education for children is an important way to cultivate children's correct money values, develop good consumption habits and rational investment concepts. Here are some suggestions:

1.Initiation begins at an early age. Through toys and games, children can be taught basic monetary concepts and values, such as how to calculate change and recognize various forms of money.

2.Build your child's financial literacy. Let your child understand concepts such as income**, living expenses and savings, for example, you can start giving your child a certain amount of pocket money and teach them how to spend and distribute it wisely.

3.Practical education. By involving children in the family's shopping decisions, cost-effectiveness, learning how to negotiate discounts, and how to make smart consumption choices, children can cultivate the habit of rational consumption.

4.Cultivate long-term goals. By reading or listening to relevant lectures and savoring the stories of successful people, etc., children are taught how to make long-term goal plans and develop the necessary patience and perseverance.

5.Invest in education. You can introduce basic concepts and knowledge to children, and educate children how to enjoy the benefits of investment and deal with investment risks.

When it comes to money education, parents need to communicate with their children, understand their thoughts and feelings, and focus on encouragement and positive feedback. At the same time, it is also necessary to adhere to the program of money education, plan scientific education methods and contents, and develop children's correct money values and consumption concepts.

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.