(A) to establish a correct view of money for children
The first step is often discussed in daily life. 1 steps for children to distinguish between "need" and "want" financial concepts are best discussed in life situations.
Step 2: Cultivate children's bookkeeping habits. With the habit of keeping accounts, we can not only know where the money comes from and where it is spent, but also learn how to allocate and manage it in the case of limited resources.
When children start spending pocket money, it is an important stage for primary school students to enter the senior grade or just enter the "junior high school". Because the lifestyle changes greatly, they must be able to keep accounts for at least 1 month, so that the consumption of new life can enter the children's minds. Even if you don't keep accounts, children will have the concept of counting and have the effect of keeping accounts.
The third step is to supervise consumption behavior together. When children start spending pocket money, they will feel that they have become "independent" and may want everything, so they should have regular account book discussions with their children to better understand their financial management.
Personality, ideas, and then find opportunities to convince. Parents should have a persistent attitude, and never give money just because their children have spent their pocket money early. Let children understand that when financial overdraft happens, they must learn to be patient, not ask for money.
Step 4: Learn to set goals. "Either save all your pocket money or manage your money well." People have to face the problem of money choice and planning all their lives. Therefore, it will be of great benefit to help children learn to set goals from an early age and understand that they can achieve their goals in a planned way by delaying enjoyment. After children have the basic knowledge of financial management, you can ask them some questions, such as "we are going to the department store next week." What do you want to buy? " "We're going to the bookstore, but only 200 yuan's budget. What are you going to do? " "When children make a plan, they will be further induced to think about how to learn the plan step by step in the' general framework'.
(B) Effective ways to cultivate children's financial quotient
Advocating parents and children to receive early education together can help parents to know their children's knowledge reserves in time so as to cooperate in real life.
1. Before the children (3-4 years old) enter the primary school, take them to the early education financial management class.
2. Make a budget for an entrance party with children (5-6 years old).
3. Do housework with children.
Activity reward list (7 ~ 10 years old)
4. Discuss his monthly allowance with your child (1 1 year old).
5. Apply for his child's bank card with the child (12 years old).
6. Expenditure plan for short-distance family travel with children (13 years old)
7. Choose a family insurance case with children (14 years old)
8. Open your own investment account with your children (16 years old).
(C) let children understand financial wisdom at an early stage.
In order to enlighten children, Jewish mothers always ask, "If one day your house is burned down and your property is robbed, what will you take to run for your life?"
Usually children will answer "diamonds" and "money", but the mother will say, "What you want to take away is not money or diamonds, but wisdom." Because no one can take away wisdom.
The most important point of Jewish financial education is to cultivate children's concept of delaying enjoyment, that is, to delay satisfying their own desires in pursuit of greater returns in the future.
I am a small financier.
Although I am a little doll,
I am a small financial family.
Financial management experts,
Financial management is no worse than that of adults.
Not extravagant, not wasteful,
Think hard and calculate skillfully,
Look far, calculate carefully,
Save the province, spend the flowers,
No comparison, no waste,
Scientific consumption is the winner,
Diligence and thrift are praised by everyone.