Rus Articles Journal

Ten children`s questions of money of

we Look for answers to the most typical questions which children nonplus us.

1. What salary at you?

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Since a certain age of children the quantity of money in a family obviously concerns. It is better to choose the streamline formulation from reasons of safety - a salary worthy, competitive, high or average. It is better not to go into extremes in the description of the income of a family. In - the first, excessive fixing of attention on poverty is harmful to children, to their self-assessment. In - the second if parents boast of the high income, considering it the main achievement, then quite often the child in such family begins to behave haughtily, being praised before peers thickness of a parental purse.

It is desirable for p to include the child in discussion of family expenditure. If the child enters discussion of monetary questions with parents, then rises in the eyes by their level. The opinion that the child does not earn money, does not bear responsibility for a family therefore it cannot have an equal voice in these questions, - wrong. Reasonable approach - in process of a growing of the child to show him the ropes of economic life of a family. Besides, to imagine the family income, the child has to know also about family expenses therefore discuss at him how many there are utilities, products, clothes, education.

2. Why you so earn a little, and parents of my friends receive more?

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Despite straightforwardness and an incorrectness of this question, it is necessary to answer it. On the one hand, cite to the child as an example families with lower income - for certain in your or its environment there will be such families. On the other hand, in children it is necessary to bring up the relation to money as to means, but not as to the purpose. Therefore in a family non-material have to be cultivated along with material values. It is clear to all that money is a wellbeing. But for money it is impossible to buy happiness. Tell that there are moments in life of people which do not cost anything from the point of view of their material value, but are necessary for any person: heat, love, care spent together time. Explain it to your child, giving examples not only yours, but also other families.

3. Why you do not give me money for pocket expenses, I am already adult?

the Answer to this question is part of another, more general: and whether children need to give money in general? The answer is obvious, as well as the answer to a question: whether the child can learn to ride a bicycle without bicycle? According to Galina Kuznetsova, the candidate of pedagogical sciences, the senior teacher of department of pedagogics of MPGU, already at children`s age the child surely has to join ability to plan the income and expenses. If not to teach him to it in the childhood, then in adulthood it is necessary to it difficult. There are many everyday examples when young families irrationally plan the budget, asking an eternal question: where money when the most necessary is not bought are spent? Our experience forms the handling of money us. Therefore the earlier the child will learn to dispose correctly of money, the quicker he will be created as the personality.

Begin

with the simplest, it is possible still before the child learned to count. Give the chance to the child most to pay for purchases, then most to choose and pay off.

when the child will become more senior than

A, it is possible to charge to it to go independently to shop behind products. Unambiguously the fact that the child has to have own money - since that moment when it has regular expenditure (most often it coincides with the beginning of study at school).

4. Their parents give to my friends one thousand rubles a day, and you on only hundred. I feel near them the beggar. You what, you cannot give me more?

The the child is more senior than
, the less often it should give money for pocket expenses. To the first grader - daily, and 14 - summer - once a month. So the child will learn to distribute expenses.
Keep in mind

that, referring to a family of the friend or girlfriend, your child can exaggerate the size of their pocket money. It is the known reception for vyklyanchivy “increases“.

How many to give money? Recommendations are simple: has to be enough for the child for needs at school, however there should not be much more or less, than at other children. Discuss and together calculate this sum, considering the income of a family and need of the child. It is better for first grader to give out daily, and in process of a growing increase terms - weekly, monthly. So the child will gradually get used to distribute the expenses. But the sum has to be fixed! If the child accuses you, do not allow pardonable intonation at all, do not allow emotional blackmail.

By the way, a good indicator of that, how adequately your child treats the money received from parents, that fact is whether it postpones some part of funds for gifts to relatives.

5. If it is my money why then you abuse me for the fact that I spent them for a thing which I consider necessary?

Even if you are strongly revolted what the child on all savings bought an improbable pink elephant or the next computer toy, respect his choice. Even if this thing will seem to you absolutely not necessary. He is free to dispose of the funds allocated to it. Present a situation: presented you money, and then demanded to report what you spent them for. It is unlikely it would be pleasant to you. And quite so you treat the child.

How then to teach the child to make a right choice? It is necessary to speak with it about the value and usefulness of any thing. Explain to the child what could be bought on this money. Compare, but do not condemn for purchase, draw children`s attention and interest in really valuable and necessary thing, explaining its advantages. At the same time you can safely express your opinion on bought. It will not be considered as reproach, and it is rather as opinion of the family member.

However to parents sometimes should listen also to desire of the child, to put itself on his place, having returned for a while to the childhood. Excellent example: in shop the girl of years of five beggarly asks the father to buy her color stones, speaking at the same time:“ The father, they are so necessary, as necessary to me as to you your car“. Comments are excessive here - the girl is right.

illiteracy Elimination

the Question of that how many to give to the child of money, concerns parents of the different countries including safe.

by

to calculate the sum, are created even a web - calculators for calculation of children`s pocket money. In particular, such program was developed by experts of the Visa financial system. One of such calculators - Allowance Comparision Calculator (the calculator of comparison of pocket money) - is constructed on what compares the prices today`s and last. For example, mother born in 1971 remembers that she received 5 dollars a week. Approximately as much she wants to give out to the daughter. It brings this figure to the calculator, and that recalculates for the actual prices: it turns out that the daughter needs to allocate 15 dollars - for them it is possible to buy exactly the same as for 5 dollars 30 years ago. Other calculator - Wants vs Needs (desires and requirements) - means that it will be used together by parents and children. In it it is possible to calculate obligatory expenses (lunches at school, clothes etc.) and additional expenditure (toys, movies, music, gifts). In Russia went further away - the national program of financial literacy which will begin already at school is developed.

6. I will not wash the dishes just like that - parents pay my friends for it separately!

Having started searches of real work, the child in practice is convinced: if you are able to do little and you have no diploma, then the choice of work for you is very limited.

Even if instead of notorious ware cleaning appears in the room or behavior, most of parents considers that you should not award the child for good behavior and obedience: it has to be not a feat, but norm. Therefore correct answer to this loaded question following:“ Performance of household chores is meant by itself, it is a question of human relations. Mother with the father receive nothing for household chores, it is our general house, and we work on ourselves and for ourselves that everything it was good“.

Consider

, it is impossible to pay for the help with economy at all. Participation in family cares should not turn into wage labor, then the important principle is broken: unconditional love - a basis of the relations in a family. There are examples when the payment to children for the help with economy led to sad results - to extortion of money for any movement. At the same time at children the consumer attitude towards parents is formed.

At the same time encouragement for good study is quite admissible

, this encouragement for real, concrete work, for successfully performed work. Besides study now - not so simple business. But it is better to encourage children with gifts and entertainments, but not money. Otherwise the child can have an impression that he studies not for himself, and for others.

7. I at school to the schoolmate can solve a problem for money? If I it am able, and it does not, it is my way to earn money! You sell the abilities at work too.

This question very ticklish. If to answer it it is positive, it can quite lead to belief that if necessary it is possible to buy, for example, the translation on English from other companion as at most it is impossible.

Therefore explain

to the child what study at school does not assume tovarno - a monetary exchange. This accumulation of own intellectual capital on the basis of which the successful future will be constructed. So it is much more effective to work at the same translation most, than, having paid a little now, to lose a lot of things in the future.

8. I want to earn money, but a salary of the courier or waiter too small.

the formulation can serve as the manual for conversation on the value of knowledge in general and a good education, in particular. Having started searches of real work, the child in practice is convinced: if you are able to do little, and you have no diploma about the higher education, then the choice of work for you is very limited.

That yours the son or the daughter were not disappointed in results of payment of the work, and on the contrary, felt dependence of the spent efforts and money received for it, advise to find piecework where payment depends on quantity of working hours or volume of the performed work.

9. If I earned money whether I can spend them where I will want? They - mine.

If your child earned with

in the summer money and bought nothing to the parents, and spent everything only for himself, it is already an alarm signal. Try to explain to him by means of simple examples in what it is not right. The father works? Yes. He earns money? Yes. It brings them home and spends for all family members? Yes. The same is done by mother. And the child will see how his behavior differs from acts of the father or mother.

If your child earned by

rather large sum, it is necessary to think together what to spend it for. Only do not attempt at the same time upon all money, do not try to withdraw them and to enclose in the family budget. Let to the child know also sweet of honestly earned money.