A child should know the value of money

Ask your child what he would spend the money on if you gave him 3 or even 6,000 rubles. You will probably be surprised at his answer. Even if this is the first time you've had this conversation with your child, you'll probably be amazed at his or her ability to prioritize how to spend the allotted money. Although your child can, as a consumer, figure out what to buy first (sweets or toys), it does not speak to his or her sensible approach to spending money. Therefore, your task, as a parent, is to teach your heir the basics of financial discipline. Here are some useful tips to help form the child has the right attitude to money.

Try to explain the advantage of the alternative purchase

Alternative purchase

If a child has spent all the money to buy an expensive and unnecessary thing, from your point of view, do not scold or criticize him. Instead, use some example to convince your child that he or she is being unreasonable. For example, show him or her a more interesting and affordable product to compare. Find out what he/she thinks about it, whether he/she agrees with your opinion and let him/her justify his/her point of view. Explain your view of the purchase in a calm and trusting environment.

Reward your child for the work done - with money, too

Stock Photo

Before you give your child pocket money, try to make it "earned. Tasks can be not only routine and boring. It is desirable to combine tasks that are interesting to him with work that he does with reluctance. For example, ask your child to make a selection of musical hits for an upcoming party and to clean the floors in the apartment. Let him or her think up tasks for which he or she would like to be "paid".

No more and no less.

Pocket money

Regardless of what your family budget is, you should allocate for pocket expenses an amount comparable to the money allocated by parents of classmates. This level of funding will not cause the child an inferiority complex and at the same time there will be no reason to "brouhaha" and gain authority at the expense of money.

Use playfulness in learning about finances

Money game

Nowadays, special programs have been created for computers and mobile devices, with the help of which children acquire skills in spending money. As a rule, the programs are colorfully designed and give the child a lot of practical advice in the form of a game. Some of the programs are paid, but you can also find free ones.

Do as I do!

Financial discipline

The greatest authority for a child is his parents - of course, they are his first teachers. By observing your parents, your child copies your attitude to money. That is why you should not break the family financial discipline. Discussing financial matters in the family circle, you already teach your child a lesson of reasonable attitude to money.

The child must participate in the planning and purchasing of goods

List of products

Your child should be involved in making the grocery list. Go to the store with him or her and store according to your list. By following these rules, you will teach your son or daughter financial discipline and eliminate spending money on unplanned trinkets.

Children and charity

Children and charity

Tell the children about the role of money in society, why some people have more money and others less, and the social responsibility of richer people. As a result, the child should learn that it is necessary to help the poor: giving change to charity is sometimes more important than buying yourself a candy bar.

Give your child a piggy bank

piggy bank

Invite your child to set aside some pocket money in a nice little piggy bank. Together with him choose a goal, for example, to buy a soccer ball or a doll, and control the filling of the piggy bank. The accumulation time should not exceed 3-4 months.

В современном обществе деньги играют существенную роль. Научить детей правильно распоряжаться ими, а не впадать в крайности (жадность или расточительство) – ключевая задача родителей. Навыки, которые вы им привили, останутся с ними до конца их жизни.

One Comment

  1. Очень правильная и полезная статья для того чтобы научить ребенка “зарабатывать” и иметь возможность откладывать деньги на карманные расходы. Прививать навыки планирования и управления деньгами необходимо с детства.

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