Started managing money at the age of three.

Wen-Ye Siyuan

Western education experts believe that children should start economic awareness education from the age of three, mainly to teach financial management knowledge, and make education plans for all ages;

Three years old: know coins, know money, paper money and coins.

Four years old: Learn to buy simple things with money, such as brushes, bubble gum, small toys and snacks. It is best to have parents present to prevent the merchants from deceiving the children.

Five years old: Understand that money is the reward of labor, and exchange money and goods correctly.

Six years old: able to count a lot of money, began to learn to use money-saving devices, and cultivated the consciousness of "having money".

Seven years old: I can read the price tag of goods and compare it with my own money to confirm my purchasing power.

Eight years old: I know how to open an account in a big bank and try to earn pocket money by myself, such as selling newspapers and buying small things for my neighbors to get paid.

Nine years old: You can make your own money plan, bargain with shops and learn to buy and sell.

Ten-year-old: Know how to save change, and buy more expensive goods when necessary, such as roller skates and scooters.

Eleven-year-old: Learn to evaluate commercial advertisements, find cheap and good products from them, and have the concept of discounts.

Twelve years old: know how to cherish money, know that money is hard to come by, and have the concept of saving.

After the age of twelve, you can fully participate in commercial activities, financial management, trading and other activities in adult society.

As can be seen from the above plan, the education of children's economic awareness in Spanish-speaking society is more important, which is related to the developed commodity economy in Spanish-speaking society. To this end, we can get the following enlightenment.

(1) Money is inseparable from daily life. Children's observation ability is strong, and their interest in money is earlier than other things, because civil servants can bring direct benefits and benefits to children. As long as parents take their children to the store several times, the use of money will be firmly established in their children's hearts.

(2) Money knowledge is closely related to moral education. After children know that money should be earned through labor, they will cherish money, save and avoid waste. At present, students in some schools in China do not cherish money and squander it at will, which is related to the lack of financial education. According to the newspaper, primary school students in Wuhan are afraid of the characters in Water Margin. There is only one picture in each bag of crispy noodles in this kind of painting. Many children bought the crispy noodles of 108 bags with money for collection, took out figure paintings and threw them away. It was amazing, and there was no sense of cherishing money at all.

(3) It is a good habit to know how to save money and plan expenses. It will be helpful to engage in accounting and economic work in the future. Know that you earn money and cultivate the spirit of independence. Rockefeller, the founder of Rockefeller Financial Group, gave him 10 cents pocket money every week when he was a child, and checked whether he increased it at weekends, forcing Rockefeller Jr. to sell newspapers on the street, forming the concept of earning money through labor.

Today, it seems that Rockefeller Jr.' s childhood is not only significant for him to become a business tycoon in the future, but also significant for our children's economic education.

(4) Through financial and business education, we can understand the commodity society, cultivate the sense of participation and competition, break the shackles of traditional concepts on financial and business education, and change our thinking to prepare students for entering the society in the future.

Enlightenment of finance and business starts from kindergarten: the temptation of BB pig

"Suddenly one day, I found that my little daughter, who was less than 3 years old, had become a money addict. As long as there are coins in any corner of the house, Feifei will run to pick them up and carefully put them in her BB piggy bank. " After talking with the kindergarten teacher, Feifei's mother, Yang Ting, understood that this was the bud of the child's money consciousness, and in her young mind, she began to have a hazy understanding of money.

Once, Yang Ting was talking with the father of her child about buying a car. Feifei, who was playing with toys, suddenly looked up and said, "Mom, my BB pig is rich. Let's use it to buy a car. " After listening to the child's words, Yang Ting suddenly felt that her daughter's thoughts were not simple at all, which often surprised people.

In the conversation with reporters, Yang Ting showed many small changes about children. My daughter is only over two years old and has her own sense of independence. She always divides things into her own and others'. She always doesn't want others to touch her favorite toys. She would shout, "This is mine, and you are not allowed to take it." This shows that she has a sense of self, and the concept of wealth begins to sprout.

"Sometimes, I take her to the supermarket, let her see all kinds of goods inside, and tell her that these are all others', and you have to give money to others to become your own. When she wanted to eat sorbet, I asked her to take the coin to the shop assistant. These are consciously exercising her understanding of goods and money. "After the children had a certain understanding of these things, Yang Ting told them that the money was earned by mom and dad, and if they didn't work, they wouldn't have the money to buy her toys and snacks. Children always understand this knowledge, and sometimes she will say, Mom, when I grow up, I will make a lot of money and buy you delicious food.

Learn to guide children's possessiveness.

In kindergarten, children are still ignorant of the concepts of money and wealth. They just understand that coins on BB pigs can buy delicious food, but it is difficult to understand the essence of money.

Ms. Lin, who has been engaged in preschool education for a long time, told reporters that children's initial concept of wealth is a simple possessive desire, that is, they think that good things can only be their own, so they should consciously guide their children to learn to share with their parents and friends in daily education.

Ms. Li, the mother of Lili, a 4-year-old boy, told reporters about an incident she experienced. Once, Lili took her son to the supermarket. She found that many toys were very popular. Seeing that her mother didn't want to buy it, she simply sat on the ground and cried, which made Ms. Li very embarrassed.

In view of this situation, Ms. Lin believes that this is because the child has a possessive desire in his heart. Once their parents refuse their children's demands, the children will immediately feel angry and disappointed, thus arguing and conflicting with their parents, making them feel embarrassed in public. The coping strategy is that parents can talk to their children calmly, don't buy everything, but give them proper satisfaction. At the same time, we should also pay attention to the art of making children obey. For example, it is better to use positive hints than negative commands; Keep your word to your children and make consistent demands. Children should know that their parents are not joking. When children know that they can't go out of line, they generally resist temptation.

Let children know that money is hard to come by.

In the interview, Feifei's mother, Yang Ting, thinks it is necessary for her children to realize that it is not easy to make money from an early age, so as to avoid the bad habit of spending money indiscriminately. Feifei likes to ride the coin-operated rocking car in front of the supermarket in the community. Every time she goes, she has to sit on it several times. If the "compulsory measures" are not implemented, she will not leave easily. One day, when Yang Ting came home from shopping, she put a dollar coin on the table and was seen by Feifei who was playing. She shouted excitedly, "This is the money for the swing car." So, Yang Ting took this opportunity to tell her some questions about money: "Honey, money is earned by my mother. My mother needs it to buy her favorite books, delicious food and fun toys, but it is limited. For example, if her baby goes to the park and doesn't listen to the swing car, and all the flowers are spent, her mother will have no money to buy other things. Do you understand? " Feifei seems to understand nodded. Later, when going to play, Yang Ting will put two coins in the baby's pocket and tell her, "This is the money for riding a rocking car today. The baby can use it by himself. If the money in the pocket runs out, we will bid farewell to rocking the car and go home! " This move really worked. When two coins were used up, the baby took the initiative to walk away.