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让孩子懂得钱的意义

2014-01-17  mtjs

对钱的认识的不同其结果影响伴随着人的一生,而这一对钱的认识的种子发芽于幼小的时候,让孩子懂得钱真正的意义和用处对其之后的人生道路会很有裨益,当孩子因为自己的欲望向你伸手要钱的时候,简单的呵斥或者慷慨给予可能都不是正确的态度,孩子也不会从中学会什么,只有让孩子在用钱的过程中真正了解到钱的价值所在以及这一花钱过程的真正含义才会让其明确的了解,并在以后的日子里得出自己的结论,不过主要的一点要让孩子知道,“人活着最重要的是快乐,钱不等于快乐”。

How Do You Teach Kids the Value of Money?

 (by )  

At the grocery store yesterday, I passed a man and his daughter in the snack aisle. She was maybe ten or eleven, a little overweight, and begging for cookies. He was tall and muscular, a blue-collar type, clearly exasperated with her. “You have no conception of how hard your mother and I work to earn money, do you?” he said. There was desperation in his voice.

This brief encounter has been in my mind ever since. It reminds me of something I read over at the Seeds of Wisdom forum. Jim Anthony shared a story about how he is teaching his six-year-old the value of money. Anthony doesn’t like the idea of just giving his son money — he thought it created an “entitlement mentality” — but he doesn’t like the idea of tying the allowance to chores, either.

The big problem I see with either of these methods is that most parents don’t teach any lessons beyond this and their kids learn that money is for spending on stuff, period. There are no lessons about making money earn more money. There are no lessons about the actual value of money.

[...]

A couple of years ago, I took things in a totally different direction. I decided on no allowance but rather to put my son “in charge” of a set amount of money to be spent on specific things, his two favorite things, McDonalds and video games. I essentially gave him control over part of the household budget. This was money that we were already spending, the only thing that changed was the control of it.

He was given $20 a week to spend however he wanted on these two items. The first week, we ate at McDonalds three times in two days. The money was gone. Actually, for the first couple of months, we ate at McDonalds quite a bit until he wanted the new Sonic X game and didn’t have any money for it.

It didn’t take him long to figure out that a video game costs about the same a 5 or 6 trips to McDonalds. It took another couple of months before he was finally able to get his game. Today, he totally understands the value of a $20 bill.

Anthony then helped his son set up a couple of vending machines which provide a small but regular income. From there, his son moved to investing small amounts in stocks of companies with which he was familiar (e.g. Disney, Apple). His son has also started to save.

I’ll admit, he’s had just a little bit of coaching here and he doesn’t understand any of the details behind any of this stuff [remember: the kid is six years old], but he does understand that by thinking and acting differently than everybody else, he can have much more than anybody else.

How and when to communicate money values to children is one of the toughest challenges that parents face. You want to support your children, to shield them from the hardships of life. But without facing the hardships, they won’t appreciate the value of money. And what if your own money skills are poor in the first place?

JLP at All Financial Matters writes often about kids and money. He has kids himself, and deals with these issues every day. I asked him to share some of his favorite articles:

I’m currently reading is Kids and Money: Giving Them the Savvy to Succeed Financially by Jayne A. Pearl. This book does a great job of tackling the subject, providing all sorts of tips, tricks, and guidelines. (Also see this recent reader comment on teaching children to save.)



12 key beliefs that form the core of the Get Rich Slowly philosophy

Money is more about mind than it is about math.
When we overspend, we’re making mental mistakes, not math mistakes. We all understand the math. Fortunately, we can do things to trick ourselves into making the right choices, and eventually those choices will become second nature. Further reading:Why smart people make big money mistakes (and how to correct them).
Goals are important.
Without financial goals, you have no direction, which makes it easy to spend money on things you’ll regret later. But if you know that you’re saving for a house, for your daughter’s college education, or for a new car, your goal will keep you focused. Further reading: The road to wealth is paved with goals.
Spend less than you earn.
Track every penny you spend. Avoid debt. Avoid debt. Avoid debt. Easier said than done, I know, but the fundamental rule of personal finance is this: in order to get out of debt and build wealth, you must spend less than you earn. There’s no way around it. Further reading: How to get out of debt.
Pay yourself first.
Before you pay your bills, before you buy groceries, before you do anything else, set aside some percentage of your income to save. Start small if you have to — even 1% is good — and increase your savings as you’re able. Aim to reach 20%. (My wife saves 25% of her paycheck!) Further reading: Which online high-yield savings account is best? Also compare cd rates.
Small amounts matter.
Don’t be frustrated if you’re only saving $25 per month. I started small, too. Though the going seemed slow at first, these small moves helped me develop good habits. And don’t underestimate the power of just one small change. When I cut my cable bill from $65/month to $15/month, that extra $50 made a huge difference. Further reading: The magic of thinking small.
Large amounts matter, too.
It’s good to clip coupons to save money on groceries, but it’s even better to shop around for the best deal on a mortgage. Everyday frugality can save you a little money consistently, but by making smart choices on big ticket items, you can save thousands of dollars in one blow. Further reading: Want to save? Give up the big things!
Do what works for you.
Each person is different. What works for one person may not work for another. There’s no one right way to save or to invest or to pay off debt or to buy a house. Don’t believe anyone who says there is. Be willing to experiment until you find methods that are suited to yourlife. Further reading: 8 ways to take control of your finances in 2008.
Slow and steady wins the race.
The most successful people are those who work longest and hardest at something they love to do. Find ways to make frugality fun. Recognize that you’re in this for the long haul. You’re making a lifestyle change, not looking for a quick fix. Further reading: How and why to start an emergency fund.
The perfect is the enemy of the good.
Too many people are reluctant to start getting their finances in order because they don’t know what the best first step is. Don’t worry about getting things exactly right. Choose a good option and do something. Optimize later. Further reading: The perfect is the enemy of the good.
Failure is OK.
It’s OK to make mistakes. Even billionaires like Warren Buffett make mistakes. We learn from failure. Don’t let a single mistake drag you down. It’s better to have tried and failed than to never have tried at all. Use failure to learn how to do better next time. Further reading: How good habits keep small mistakes manageable.
It’s more important to be happy than it is to be rich.
Don’t become obsessed with money and wealth. Remember Ebeneezer Scooge! Money gives you more options, but happiness makes life worth living. I believe that if we’re able to stay happy and in control of our lives, money actually becomes easier to manage. Further reading: What’s the reason for saving and investing?
Do it now.
It’s easy to put things off. But the sooner you start moving toward your goals, the easier they are to reach. Further reading: Getting to now: Beating the procrastination habit.

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