In the life of every child comes the time (usually 4-5 years) when he became interested in the financial side of life - seeks to understand what money is and where they come from, what is the role in the family, as the planned costs and madewaste.
Today we introduce you to the advice of a child psychologist and physician Alexander Kuznetsov on how to enter a child in this difficult world of money.
If parents can explain to your child the function of money, bond money and labor, will give an opportunity to get a first experience in dealing with them - not just the child gradually will gain financial literacy, but also to get a correct understanding of the role of money in our society.Therefore, this process also plays an important educational role.
Do I need to talk to children about money?
Psychologists recommend to explain to children where money comes from, who and how to earn them, and how shared expenses: it will help your child navigate the value of things in terms of "expensive" and "we can not afford it," to share the necessary and unnecessary purchases,as well as to recognize and control their desire for anything.
Do not denote extreme manifestations, explaining that the family is "poor" or "rich", it can cause an increased interest in money, develop a sense of envy or greed.
How to create a child the right attitude to money?
As children get older, you can enter it in the course of the economic life of the family: to talk in general terms, how a budget, how much are the basic food, clothing, shoes, training, entertainment.
child without discussing money issues on a par with their parents, but gets an idea of how the money is spent within the family.Savings and pocket money, which will dispose of the child himself, to help him gradually learn to plan expenses, provided that the necessary expenses (travel, meals, training) continues to be provided by parents.
Do you need child pocket money?
pocket money - the amount that the child can spend at its discretion, without asking permission from their parents to buy.
Before you start giving pocket money, parents are advised to explain to the child that this is a new level of responsibility that now he will learn to handle money, to show its willingness to offer advice and assistance in the planning, as well as to agree what costs continue to payadults.
To avoid frivolous attitude toward money, the amount should be limited to (the older the child - so it is more), and issued periodically, eg weekly.Perhaps spending the first child parents seem meaningless, but it is important to give him independence: he gradually understands the value of money.
Do I have to give the money for academic success or help around the house?
Psychologists recommend, if necessary, to encourage children for success or intangible gifts (entertainment, travel) that the child understands that he learns for himself, not for denezhenoe reward.
pay for household help is not necessary, it can form a consumer attitude to parents.Participation in family matters - no hired labor, and everyday life in the family.
Should a child to contribute to the family budget?
If a child is already earns money itself, it is desirable that some of them belonged to the family budget;is required to evaluate its participation, to praise.
earned money, it can also be used to buy gifts to family members.If the child did not think himself to do it, you can use simple examples to explain to him how to deal with money earned by the adults (for example, you can say, "Dad earned money and we bought food for the whole family").
Articles Source: mama.ru
