If you read silly jokes and quotes found in newspapers and magazines, you know that all too often kids think that money comes from ATMs, checkbooks or credit cards.
What they do not know why and how their parents can get money from these sources.
As a parent, it's up to you to teach them. School, until now, are not included in your money management curriculum - even though people like me, I think you should! I think it should start in primary school and wind with courses such as balancing checkbooks, calculating interest rates, the exchanges and understanding when children reach secondary school.
But this is my fantasy. Right now, it's up to you - a parent
.when you start small - maybe 3 or 4 years. Start by not buying a new toy every time you go to the store. Especially not those cheap pieces of junk that we forget the minute you leave the car at home! Your children will be far better with less toys - toys have value and take care of
.Let them know that there is a set amount of money available each week or month for toys, candy, ice cream cones, etc. (In other words, things are not vital to their survival .)
Show them the money. Yes - real money. Then explain to them (as many times as needed) that life is about choices. And this amount of money can be the subject of their choice.
Remember, they are the children - unless they learn that they do not know that they can not spend the same dollar twice, and you have to give something to get that money in the first place <. / P>
Discuss it spent on gum or candy or ice cream - or about saving up every week to buy the desired toy. Learn the price of toys and show them how long you'd need to save to get it.
You may choose to spend half of "their" money each week and save a good half of the toy - but let it be their choice, given their choice, and stick to your guns. If they blow the money, they blow it - not "rescue" them! Instead, let them learn from their choices.
, where most parents fall into letting children talk to them to go ahead with the purchase before the funds saved - and that destroys the whole hour
.One of the most important lesson you can give your children - about money and life in general - that our choices have consequences. Some good and some not so good. Learning to think before the election rushing headlong into a decision of the lesson that will serve them well in all aspects of their lives.
belief that one should always have instant gratification is the cause of many problems in this country - not least of which is a crushing debt. So the first opportunity to start teaching their children about delayed gratification, and the value of choice.
Tidak ada komentar:
Posting Komentar