Children and money: how to teach the child to the right attitude to finance
Children and money: Consider all sides of this issue. Learn, give money to give money and how much money to give children. What if the child steals money? Question of pocket money and its correct decision
So that the child grew up greedy and knew how to appreciate the money, he needs to vaccinate respect for money from youngsters. How to teach a child wisely handle money? Find out whether you need to give money to children and how many pocket money you need to give a child. And what if the child steals money, how to do in this case? Children and money: Consider all sides of this issue.
Give money money – arguments for and against
Children need to give pocket money because:
- They are taught children «consider», Scoop, save and plan budget;
- Pocket money teach children to analyze and choose goods from the point of view of necessity;
- Pocket money is Stimulus to independent earning in the future;
- Pocket money make a child independent and confident;
- Pocket money allow the child to feel an equal member of the family;
- The child will not have an envy to peers, which regularly give pocket money.
But there are opponents in order to give children pocket money.
Arguments against pocket money in children:
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They are Provoke thoughtless spending And do not teach a child to appreciate the money;
- Pocket money Create conditions for unnecessary temptations;
- If you betray the child money for some definite merits (home assistance, good behavior, good estimates and t.NS.), children can start you blackmail;
- The child may develop greed and envy;
- Children will not know the price of money.
Truth, as always, is right in the middle. Pocket money is recommended to issue children from 6 years. So you prepare a child for independence to dispose of limited means. Before issuing pocket money to children, spend a conversation with children.
It is necessary to pay children for good marks and home assistance: promotion and punishment with money
Many parents seek to pay for children good behavior, home duties and good marks. Such payments, as it may seem at first glance, stimulate the child to learn better and help home. Only no one thinks about the consequences of such payments. The child should understand that a good study and home help he must do not be because he is paid for it, but because it is his job and responsibilities. Your task – Do not buy marks and help a child, and teach him independence and do not educate the egoist.
Explain to the child that you are a family and should help each other and take care, and Do not turn family relationships in commercial exchange. Otherwise, you will continue at all you can not wean a child from such relationships.
Carefully treat the child’s behavior and his relationship to money. Dregelubie and understanding of your part will avoid the child of psychological and cash complexes, which are often laid in childhood.
How much money to give children to pocket expenses?
If you decide that the child is quite independent to control it yourself and distribute its budget, collect «Family Council» and explain to the child that now he will stand pocket money.
How much to highlight a child’s pocket money? It is impossible to answer this question definitely. This should depend only on you and the family budget.
When issuing pocket money, some factors must be taken into account:
- Child’s age;
- Family opportunity and social status (ask familiar and friends how much they give pocket money to their children);
- The city in which you live. It is clear that in Moscow, St. Petersburg and other major cities, the amount of pocket money should differ from the amount that parents give in the peripheral towns.
Criteria for issuing pocket money:
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Psychologists advise to start issuing pocket money From first class;
- Determine the amount of pocket money, Taking into account the financial well-being of the family and the age of the child. The decision must be taken in the circle of the whole family, not forgetting about the child;
- Children of younger school age need to issue pocket money once a week. Teenagers – once a month;
- Control the child’s expenses. Make sure the child does not spend money on cigarettes, alcohol and drugs.
The amount of pocket money should not depend on:
- Success in school;
- Quality of homework;
- Child behavior;
- Your mood;
- Attention to the child;
- Learning financial independence.
Recommendations to parents for issuing pocket money:
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Explain to the child, what do you give him money and why You give them them;
- The amount should be reasonable and increase with age;
- Nick pocket money once a week on a certain day;
- Fix the amount for a certain period of time. Even if the child spent everything in one day, he does not need to indulge and issue more money. So he will learn to plan his budget and in the future will not mindlessly treat the spent;
- If you can’t give a child pocket money, explain the reasonsy;
- If the child inexpediently spent pocket money, Delete this amount from the following issuance;
- If a child can not plan a budget and spend all the money immediately after issuing, Note money in parts.
Children and money: Financial independence with diaper or parental control of children’s spending?
No need to impose and dispose of money that you gave the child. After all, you entrusted them. Let the child feel independence, and overcome the effects of thoughtless spending. If the child spent pocket money on candy and stickers on the first day, let him realize his behavior until the next issue.
When the child passes Euphoria from the first thoughtless spending, Teach it to record spending in a notebook. So you will control the expenses of the child, and the child will know where money goes. Teach the child to put goals and save on big shopping. Teach a child to buy from pocket money important, but not expensive purchases (for example, notebooks, handles and t.NS.).
To control children’s expenses need necessarily. Just neat and unobtrusive. Otherwise, the child may think that you do not trust him.
Safety:
Giving a child pocket money, explain that he will not only be able to buy the necessary things to independently, but it is Specific risk of their wearing and storage. Money can be lost, they can steal or take up adults. To avoid similar troubles, explain to the child The following rules:
- Money can not show out, Children or adults. It is impossible to brag money;
- Money is better to store at home in the piggy bank. No need to wear all the money with you;
- Teach the child to wear money in the wallet, and not in the pockets of clothes;
- If the child is blackmailed and threaten violence, demanding money, let him give money without resistance. Life and health – more expensive!
