With the improvement of people's economic level, parents are giving more and more pocket money to their children, and doting on their children. Parents will buy whatever children want. This makes children have no concept of money, which may be a string of numbers in their eyes. It is no good for children to spend money recklessly. Parents must help children establish a correct view of consumption.
How to persuade children to spend money recklessly
1. Let children know money and its use from an early age. First of all, let children have more access to money and teach them about coins of various denominations and their uses. For example, let children know the face value of money through games. When the child has mastered the use of various coins, he can take him to the supermarket and give him a certain amount of money to buy the items in the list. It can let children know that they should choose things according to their money, not buy what they like.
2. Financial education should be based on age. Financial education for children is a long and gradual process. Parents should follow the law of children's intellectual development and adopt different educational methods according to the age of children.
Before the child is 5 years old, it is necessary to cultivate his understanding of money; From 6 to 11 years old, let children learn to consume rationally; After the age of 12, let children not only learn to plan consumption, but also know some knowledge about making money. Only by following these three stages can we truly cultivate children's financial ability.
3. Let children know that it is not easy for parents to make money. The child has no concept of money. He only knows that money can buy things, but he doesn't know how to earn money back. If conditions permit, you can take your children to your workplace for a day to let them see what their parents are working like. Let children know that parents need to work hard to earn money, and know that money is hard won.
4. Teach children how to save money and make them realize the fun and sense of achievement of saving money. When children experience the joy of getting extra income due to delayed consumption, they may fall in love with savings. Saving habits not only enable children to understand reasonable consumption, but also build healthy financial thinking. Let the child learn the concept of saving, save the money he has saved, and let him know that money can be accumulated gradually.
5. Parents set an example. Some parents complain that their children spend money recklessly while they spend money recklessly. If you don't like the things at home a little, you can throw them away and buy a new one. If you see someone else has something, you have to have it yourself. You often buy a mess of useless things at home. In fact, parents' consumption view will seriously affect their children, and children will look at it and learn from it. Parents should not compete, waste or spend money indiscriminately to set an example for their children.
Let children develop moderate consumption habits and skills
1. Let the child be a housekeeper. If parents often take their children out shopping, they can try to keep the wallet of the day for their children. Before shopping, they can also discuss with their children to enhance their children's sense of responsibility. Let children bear the responsibility of consumption, they will be more likely to make careful plans for purchases, and even remind parents not to spend indiscriminately.
2. Let children develop the habit of recording consumption. When giving children pocket money, give them a notebook to record every expenditure, and tell them that if they want to ask for pocket money next time, they must exchange the notebook with their parents. If they find that there is no record, they should lower the standard of pocket money, and all of them should be carefully recorded before they are fully distributed.
3. Encourage children to make money through their own labor. The best way to let children cherish money is to let them make money through their own labor. When a child has to do sweeping, cleaning the table, washing the dishes, polishing shoes and other labor, parents can give some small remuneration appropriately. In the process of getting money through hard work, children will experience the hardships of making money more deeply and form the good habit of thrift.
The reason why children spend money recklessly
1. They think they have capital. Many children spend money lavishly because they think they have capital. Only when the family has enough financial capacity to make him extravagant, can he dare to do so. For people with poor family conditions, they should consider the economic situation in everything. If they have no financial capacity to spend, they will naturally not spend money without restraint.
2. Vanity plays a trick. Everyone's family conditions are different, and naturally their ways of spending money are different. However, in reality, some children always like to compare themselves. Everyone knows that his family conditions are average, but he should compare himself with those students who have good conditions. He should follow suit when others buy anything, and even cheat his parents' hard-earned money by charging school fees for his poor vanity.
3. The self-control is not strong. Many children spend money without restraint. The main reason is that children do not have enough self-control and the ability to resist temptation. In this era of rapid development, various commodities attract us. As long as we have money, we can buy all kinds of things. All kinds of things have a strong attraction for children.