Children and finance. What does the child have to know about money?
That the child has to know about money
Many parents consider wrong to discuss financial questions with children, meanwhile our material life is based on the monetary relation. It is as important to bring up the correct relation to money and material values at the child how to teach him to behave at a table.the scrupulous relation to financial side of life was long since expressed to
In the Russian culture that in decent society it was not accepted to speak about money. With arrival of the Soviet power the respect for money became similar to a bad form, “narrow-mindedness“. Inspired in children that it is ugly to speak about money. But pretty well was on each request of the child which parents obviously considered as a whim, to speak with a tear in a voice:“ At us is not present on a doll (the car, new shoes) of money“.the relation to money was changed by
In today`s life of the country radically. The taboo is removed from this word, and ringing “money“ became nearly the most widespread word in use. Means, and parental experience in a question of financial education needs methods which would answer a spirit of the age. Many parents are lost - they do not know from what side to approach this difficult subject. Here the most widespread questions of parents: whether
needs to discuss financial questions with children?
First of all to parents needs to be solved whether they are ready to discuss financial questions with children. Children should not witness furious disputes or quarrels in which parents accuse each other of the wrong distribution of the house budget, in inability to earn on the most essential, in avarice or a tranzhirstvo.
As soon as parents reached a consent in this delicate question, they will devote the kid in fundamentals of house economy. It is enough to two-year-old child know that the father works, earns money, on this money he can buy products and a toy for the son. In three years the child already understands that “mother at herself has no money for a doll, but it by all means will return here in a week to buy it“. In four the child is capable to understand that “on expensive toy there is no money now, it is necessary to wait till next month when mother and the father postpone the necessary sum in a moneybox“. The five-year-old child is able to consider already a little. Having made the list of necessary products, involve it in planning. Do not forget to include in this list a healthy delicacy for the child. Let him know: you are able to count money, but by all means allocate some sum for tasty fruit or ice cream.The the child is more senior than
, the he learns about tovarno more - the monetary relations and their enormous role in relationship of people. The child should not become the witness of how you argue over a question: whether your family financially will pull the second kid. Difficult subjects about moving to the new apartment, purchase of a car, sale of giving or a loan on treatment of mother have to be discussed far from the child. Seniors discuss simple financial questions with children, but do not shift painful problems to children`s shoulders! whetherneeds to involve with
children in drawing up the family budget?
Parents spend a lot of time and sincere forces on making the right financial decisions, and children do not need to take part in formidable and often painful meetings at all. However there are questions in which participation of children is just necessary! After parents discussed the general line, they invite the younger family member.“ We with mother consider two equivalent options of vacation: week on kayaks or week in mountains. What would you like more?“ Or: “We with the father are going to buy you gifts by New year: what do you want - two identical cars or the car and the designer, then you will begin to play with them in turn?“
How to teach the child to understand the cost of money?
If the father treats mother`s contribution to the family budget with respect, and mother in turn appreciates father`s efforts, then is absolutely simple to impart to the child respect for their work (and to monetary value of their efforts). Your child refuses to understand that money has property to run low and come to an end what parents have priorities at distribution of the budget what he cannot demand the fortieth machine for this week? He shouts what you are greedy persons and ill-natured persons? You agree with it at heart? You suffer fault torments what you cannot provide it all the benefits on light? It means that money became a terrible symbol of the power and manipulations in your family. The healthy and sober relation to money - here cure for scandals because of money.
the Healthy relation to money is an ability to separate the main thing (a roof over the head, good nutrition, clothes on a season, necessary medical care and hygienic procedures, ensuring care of children) from minor (the foreign car, the European repair, expensive toy). If at parents money did not become end in itself, delusion, a constant subject for talk, then, most likely, and in the child`s life they will begin to take the place which is strictly allocated for them.
the Sober relation to money is a quiet ability to distribute the budget so that completely to meet the main needs of a family and joint efforts to solve on what to throw the remained finance. That it is more important: skates for the daughter or the mobile phone for mother? The son`s trip with a class to Warsaw or acquisition to it the computer? The sober relation to money comes in the course of tests and mistakes, delusions and payments for mistakes. How to bring up such relation? First of all trust and lack of petty guardianship. As soon as the child received the first pocket money, discuss with him for what term it was given money (for three days or for a week) and that he can buy on them. At the same time discuss a circle of the forbidden purchases at once and firmly. For example, the child cannot buy cigarettes, indecent magazines or a chewing gum. Ask what he would like to spend the capital for. Discuss whether there is enough at it money for the desirable. Try not to offer the councils or conclusions - only ask questions and listen to answers. If the child exhausted the week capital in a day and came to you for an additive, explain to him that pocket money was given for week and the next portion he can receive only in six days.
It is important to listen validly to the child and not to laugh at its impracticality - a pier who for all 150 rubles of pencils yes of erasers buys it? To salt them, perhaps? It is important not to reprimand:“ Explained to you - it is necessary to be respectful to money, carefully, rationally“ - the reality speaks far louder your manuals! But it is impossible and to give in on manipulation of similar sense: “The father, I gave all these money to the beggar! I felt sorry for him!“ or:“ I need money because I shared with Vasya - mother did not give him money“.As if you wanted to support by
kind rushes in soul of the child, it is more important to allow it to test life lessons: even sharing with the neighbor, you have to commensurate the acts with opportunities. If you decided to give the last shirt to the friend, you should feel discomfort which is a direct consequence of your choice. It is impossible to be kind or generous for someone else`s account.
the Honest relation to money is when each family member is able to make a compromise, to consider not only the wishes, but also interests of other members of household, to postpone purchase, to agree to more modest thing. If your child sees that everyone “the family council on a financial question“ comes to an end with the fact that someone one steadily convinces the others that its needs the most essential and urgent, then your child, most likely, will be angered and angry. He will feel the powerlessness, “inferiority“.
From what age and how many to give money for pocket expenses?
to Children should receive money for pocket expenses when they begin to come back home from school. Approximately since nine years children have to have enough money to buy a glass of juice and a bagel. Or one portion of ice cream. It is unreasonable to give to younger school students rather large sums of money: the senior school students can take away, entice, finish to buy this money from them cigarettes or wine … It is good if all calculations for children`s expenses at school (money for breakfasts, for tickets and various actions) are conducted between teachers and parents. Teenagers should give pocket money so that they could buy the ticket at cinema and regale on ice cream. At the same time it is very important that teenagers did not break the basic rules about which you with them agreed: at the first suspicion that pocket money goes on cigarettes, binge or pornproduction, you should reconsider the financial policy seriously. Perhaps, to give pocket money in more modest volume and only for one day. Children like to get small change from parental pockets - for theft it at them is not considered. To exclude similar tricks, take for the rule to share a trifle with the child - let puts in a moneybox to buy a treasured computer game which you approved. Try not to leave money scattered on all house. It does not mean that you are suspicious of the child, simply it is not necessary to tempt him. whetherchildren till 18 years Have to earn
?Children can begin to earn
from 14 years, performing feasible work no more than 6 - 8 hours a week. Do not confuse work with fulfillment of duties on the house - the feasible help to parents is included into concept of family life and, as a rule, rewarded by respect, gratitude and a praise. And here carefully to paint a grandmother`s fence or to look after hour or so the neighbour`s son, to help the uncle to wash his car - quite another matter. It is already work, and it demands separate payment. What else can teenagers do? To reprint small article, to help to make clear-out after repair. Teenagers can walk a neighbour`s dog, take away the familiar first grader from school and help it to do homework. The main thing that these duties were not too burdensome, labor-consuming or long. They should not distract children from school lessons and interfere with their good rest. The teenager can dispose of the earned money at discretion. If you impose to it how to spend money, he will lose interest in an independent earning soon. But he should not forget about forbidden purchases!
As the Problem
|your eight-year-old daughter refuses to clean the room.Promise||to the daughter of 50 rubles if in two hours in the room there is an ideal purity.Show||to the daughter as it is necessary to bring order, and promise that when it finishes cleaning, you buy it the ticket at cinema.|
|yours 4 - the summer son in shop is enough all can reach.When the child will begin to be enough||everything, give it a chocolate and tell: “On, you eat! Only touch nothing!“Promise||to the kid that if he behaves well and to take from shelves only what will be told by mother you buy it any candy or a small toy what he will choose. And handing a well-deserved reward, surely praise the child for the fact that he was such good fellow|
|the Household chore of yours 11 - the summer son - every day to take out garbage. But for some reason he forgets all the time about it.Present to||a new disk at the beginning of a week and then be indignant every time when the child forgets to take out garbage.||Hang up “a garbage calendar“ on a wall. If within a week the son did not miss any day, then on Sunday he receives money for new CD - a disk. whether|
Should encouraging children with money
Not to each parent the idea to pay the child for that he studied well will be pleasant or helped about the house. But actually material remunerations can be also useful to children, as to adults. The most important - is correct to encourage the children. Besides, monetary encouragement has also one more hidden plus: under your sensitive management the child learns to dispose of the earned means. If you decided to reward the child financially, remember several important rules.discuss
- In advance and accurately how many money and for what you are ready to give to the child that he did not feel deceived. For example, if you agreed that the daughter will vacuum the apartment and will receive money for a new dress for Barbie, pay only when cleaning is executed, and is executed well. Do not bargain and do not use cunning.
- Monetary encouragement surely has to be followed by a praise of parents. Tell the child that you are proud of him that even the father could not change the fused bulb quicker. Tell:“ For certain and it is more pleasant to you to sleep most in a clean room!“ Thus you will bring children to thought that it is necessary to clean the apartment not only to receive money, but also because to live in purity much more comfortably and more pleasantly. you do not pay
- to the child for that it did not do something. For example, if every time when the kid shouts at the doctor, you give it a chup - chups that he became silent, you provoke new shouts. The child understands: if he shouts, then will receive candy and if is not, then will not receive anything. It would be much more reasonable to encourage with candy good behavior.
- If you give to the child money, do not dictate what to spend them for, but unostentatiously advise how it is reasonable to dispose of them. Also be not upset if the child not always to you listens. Eventually, he honestly earned the reward.