Rus Articles Journal

How to teach the child to dispose of money?

Money, money, drebedeng, having forgotten rest and a dream... - still plainly without understanding sense of these words, already in the early childhood we sang words of a simple song from the famous animated film. With interest watched how mother in shop in exchange for multi-colored pieces of paper received some things. Then began to understand why it is so favorable to go in a bakery to buy some bread when delivery can be kept. Several years later, being pushed already in school buffet, we strong squeezed the coin allowing to receive such desired jam pie in hands...

Money is opportunities. They rush into children`s life very much early. Already three-year-old kid perfectly understands that all things which at him appear are acquired for money. At this age children already precisely know that existence of money - it is good, and lack of those is very bad. Parents meanwhile pay for everything. But the baby grows up and there comes the moment when already in the new status of the newly made first grader crosses a threshold of school. There is also a sea of questions: and how to be with money?

Except that the first grader should deal with school objects and rules, still he is waited also improbable, from the children`s point of view, temptations independently to get something tasty in school buffet or something amazingly beautiful, in the next booth... Parents resolve this issue for themselves differently: someone gives small pocket money, some give large (in children`s understanding) the sums, and someone just supplies the child with sandwich and all. And how, all - to do right thing?

According to experts, 6 - the summer child already has to have the first own money which receives from parents, irrespective of the behavior, successful study and so forth. If own finance is not, then also valuable experience of the treatment of them, and your child will not appear later, than peers, will learn to handle real money - to plan expenditure, to accumulate the necessary sum, it is reasonable to spend etc. If you give money for good marks - not process of study, knowledge acquisition, and only result - a payment for good marks will be interesting to the child.

Other question how many cash are necessary for the school student?

the Answer cannot be universal. This sum depends on material resources of a family. It is important that the child nevertheless understood the value of this sum that on that to earn it, energy and time of parents is spent, and it is part of the general family budget.

Before handing to the child a certain sum, be convinced that he is guided in what can be got for this money. Explain to the son or the daughter, how much is a roll, juice, a toy etc. Let`s say you give ten rubles in school. Previously together with the child consider what can be bought for this sum: for example, bag of juice and roll or two rolls and glass of compote etc. Then it is necessary to explain that if to buy one roll worth 2 rubles of 50 kopeks, there have to be 7 rubles 50 kopeks change etc. of

If the child knows these things, he will not get into an unpleasant situation which I observed in a supermarket not so long ago: the little boy of years of six approached cash desk, put the car before the cashier and is proud stretched 50 - a cheap coin. It is not enough of It, the boy - the girl sitting at cash desk told. Same money! For it all - everything can be bought! I precisely know! - surely the kid answered. The seller did not give the machine, he burst into tears. It is good that by this time the madcap`s mother appeared in time, paid purchase, and that, happy, incurred the toy...

It is necessary for comprehension of financial experience that the child disposed of the means independently, parents can advise what to spend money for, but a final decision - for child, otherwise all meaning of acquisition of experience is lost. The sum has to be a constant, first money needs to be given every day, and then, for example, every Monday 50 rubles for a week and if it is spent, to the following term of delivery the child receives nothing.

Anyway, the solution of the matter remains for you, and responsibility for what financier of personal savings will be your child, is also assigned to you.