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Children and money. Money also educate.
Do not be a child prodigy, to grasp the connection that exists between the money and the satisfaction of our desires. Children make this discovery before grow up to school age, even before beginning to count to ten.
And it is not necessary to be surprised: we all often talk about money in front of them. In addition, the children notice that things purchased in stores, we pay, not just take and take home. Thus, "I want to! "That we hear from the 2-3-year-olds, becoming a" Buy! "From 4-5 year olds.
Usually the parents do not know how to proceed with such requests. On the one hand, they do not want to deprive the child of something desired, and on the other - do not want to and pamper. Of course, common sense tells them reasonable answers, and yet they do not bring tangible results, and the child be protected from "the prose of life," as a result have not learned to handle money wisely and responsibly.
Children can grow up under the same conditions, but over time will be very different from each other in their attitude to money.
One person can stand firmly on his feet, even with very little money, because it is able to dispose of them, the other will always be on the verge of bankruptcy, while earning ten times as much.
In most cases, the ratio is laid in the very "green" age. A child, for example, may be crazy to want to buy him some toys loved by. And parents know that he wants to play with her. But the toy is bought, and almost immediately ceases to interest the child. What's the matter?
Attractive toy turns to him only a symbol of your love and an indicator of its ability to persuade you.
Thus, the child as an adult in a position where parental kindness and love should have a cash equivalent.
You yourself are teaching a child to use the money to satisfy his desires. And teaching is not the best way. If you can buy love, then why, for example, can not buy knowledge needed cleaning his room, promising to come home on time?
Money also educate.
Neglect of Adults with money, the desire to enclose children from material problems can educate the children dependency and unwillingness to know about the possible economic difficulties of the family. And at the other extreme - the constant talk about money, exaggerated their importance may raise the greed and envy.
The difficult task of parents - to find a middle ground. From an early age, try to enter the child in terms of the economic concerns of the family. He must know (at least in general terms) of the family budget, the cost of basic foods: bread, milk, fish, meat, vegetables. With the development, the child should be initiated into the world of things (the cost of clothing, shoes).
Try to do it in the form of the game, in the form of training, such as mathematics. Here we have a carrot. How much does it cost? Here's a carton of milk on the table. How much does it cost? Here in Baton breadbaskets. How much does it cost? And let it all add up and find out how much the whole dinner? If parents take up additional work, the child needs to understand that mom or dad work for everyone in the family was better.
He must understand that everyone must make a contribution to improving the lives of families. The sooner the child will help you, the better. What can be expressed this help? The earnings? Not only. Of course, today many young people willing to work part time during the holidays. And already know from personal experience how much is really worth a penny.
But you can go the other way. A child, for example, can learn to repair their own hands a variety of things (iron, door lock, chairs). He can take part in the repair of apartments: wallpapering, painting doors, window sills.
Praise him, tell us about the monetary value of his work. For example, how much is a new iron and as a result of his work on repairing the family will be able to save. It is very clear and easy to understand children because it is associated with specific things that can be touched.
The child needs to know the cost of living of the family, to take part in housekeeping and in the case of temporary absence or illness of the parents to be able to replace them in basic household functions: buying food, cleaning the apartment, a small laundry.
The smallest member of the family should know what constitutes income and expenses of the family, to understand what it is. It is believed that children, on the contrary, do not teach business cost calculation; and so that they know very well that how much. It is somewhat true. Children really are in their own prudence.
But their prudence is mainly aimed at meeting their personal needs. Watch: they count their pocket change, lend money to each other, sometimes sell something, change - in fact, have their own "farm."
If your child earned money in the summer and did not buy his parents and spent all just assume - it is an alarm. This is the calculation, which it is not necessary to learn and from which we must try to rid the little man.
Try to explain to him again, using simple examples, it is not right. Dad is working? Yes. He earns money? Yes. He brings them home and spends the whole family? Yes ... And the child at the same time will have to see how his behavior is different from behavior mom or dad.
If your child is brought earned money (let them be even more UAH) in the family - even if this fact is a small family holiday. And when the money will be spent on the case, it must be said: "This is the milk we bought at Coley earned money." Or: "Here's the cake is baked from products that are purchased on Tannin earnings."
If your child has worked in the summer and earned a relatively large amount, we must reflect together on what they spend. Do not eat at the same time for the full amount, do not try to remove the earnings to the family budget, even if it is bursting at the seams. Give the little toiler feel and sweetness honestly earned money.
The very fact of such a conversation, a discussion of future purchases and spending prolong pleasure and will be of great educational value.
Therefore, the main task of parents - to teach children the right to use the money, and then life will cost them less.
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