Children and finance. What should a child know about money?

Children and finance. What should a child know about money?
Children and finance. What should a child know about money?

Many parents consider it wrong to discuss financial matters with their children, while our material life is based on money relations. Raising a child the right attitude towards money and material values ​​is just as important as teaching him how to behave at the table.

Children and finance. What should a child know about money?

What a child should know about money

Many parents consider it wrong to discuss financial matters with their children, while our material life is based on money relations. Raising a child the right attitude towards money and material values ​​is just as important as teaching him how to behave at the table.

In Russian culture, the scrupulous attitude to the financial side of life has long been expressed in the fact that it was not customary to talk about money in a decent society. With the advent of Soviet power, respect for money became akin to bad taste, "philistinism." Children were taught that talking about money is ugly. But it was quite decent for every request of the child, which the parents obviously considered a whim, to say with a tear in his voice: “We don’t have money for a doll (car, new shoes).”

In today's life of the country, the attitude towards money has changed radically. The taboo was removed from this word, and the sonorous “money” became perhaps the most common word in everyday life. This means that parental experience in the matter of financial education also needs methods that would meet the spirit of the times. Many parents are confused - they do not know from which side to approach this complex topic. Here are the most common questions parents ask:

Should I discuss financial matters with my children?

First of all, parents need to decide if they are ready to discuss financial matters with their children. Children should not be witnesses of violent disputes or quarrels in which parents accuse each other of misallocation of the household budget, inability to earn for the most essential, stinginess or squandering.

Once the parents have reached agreement on this sensitive issue, they will initiate the baby into the basics of the home economy. It is enough for a two-year-old child to know that dad works, earns money, with this money he can buy food and toys for his son. At the age of three, the child already understands that “mom does not have money for a doll with her, but she will certainly return here in a week to buy it.” At four, a child is able to understand that “there is no money for an expensive toy now, you need to wait until next month, when mom and dad put the necessary amount in the piggy bank.” A five-year-old child can already count a little. After making a list of necessary products, involve him in planning. Be sure to include a he althy treat for your child on this list. Let him know that you can count money, but be sure to set aside some money for delicious fruit or ice cream.

The older the child, the more he learns about commodity-money relations and their colossal role in human relationships. The child should not become a witness to how you argue over the question: will your family pull the second baby financially. Difficult topics like moving to a new apartment, buying a car, selling a dacha, or a loan for mom's treatment should be discussed away from the child. Elders discuss simple financial matters with children, but do not shift painful problems onto children's shoulders!

Should children be involved in family budgeting?

Parents spend a lot of time and mental energy on making the right financial decisions, and children do not need to take part in difficult and often painful meetings at all. However, there are issues in which the participation of children is simply necessary! After the parents have discussed the general line, they invite the youngest member of the family. “My mother and I are considering two equivalent vacation options: a week in kayaks or a week in the mountains. What would you like more?" Or: "My dad and I are going to buy you presents for the New Year: what do you want - two identical cars or a car and a designer, then you will play with them in turn?"

How to teach a child to understand the value of money?

If dad respects mom's contribution to the family budget, and mom, in turn, appreciates dad's efforts, then instilling in a child respect for their work (and for the monetary value of their efforts) is not difficult at all. Does your child refuse to understand that money tends to run out and run out, that parents have priorities in the distribution of the budget, that he cannot demand the fortieth car this week? He screams that you are greedy and mean? Do you agree with him deep down? Do you feel pangs of guilt that you cannot provide him with all the blessings in the world? This means that money has become a formidable symbol of power and manipulation in your family. A he althy and sober attitude towards money is the cure for money scandals.

A he althy attitude to money is the ability to separate the main thing (a roof over your head, good nutrition, seasonal clothing, necessary medical care and hygiene procedures, child care) from the secondary (foreign car, European repair, expensive toy). If for parents money has not become an end in itself, an obsession, a constant topic of conversation, then, most likely, in the life of a child, they will begin to occupy a strictly designated place for them.

A sober attitude to money is the calm ability to distribute the budget so as to fully meet the main needs of the family and jointly decide where to throw the remaining finances. What is more important: skates for a daughter or a mobile phone for a mother? The trip of the son with a class to Warsaw or the purchase of a computer for him? A sober attitude to money comes in the process of trial and error, delusions and retribution for mistakes. How to develop such an attitude? First of all, trust and the absence of petty guardianship. As soon as the child receives his first allowance, discuss with him how long the money is given to him (for three days or for a week) and what he can buy with it. At the same time, discuss the circle of prohibited purchases immediately and firmly. For example, a child cannot buy cigarettes, obscene magazines, or chewing gum. Ask him what he would like to spend his capital on. Discuss whether he has enough money for what he wants. Try not to offer your advice or conclusions - just ask questions and listen to the answers. If a child has exhausted his weekly capital in a day and comes to you for a supplement, explain to him that pocket money was given out for a week and he can receive the next portion only in six days.

It is important to respectfully listen to the child and not laugh at his impracticality - they say, who buys pencils and erasers for all 150 rubles? S alt them, right? It is important not to read the notation: “I explained to you that money should be treated with respect, carefully, smartly” - reality speaks much louder than your instructions! But you can’t succumb to manipulations of this kind: “Dad, I gave all this money to a beggar! I felt sorry for him!" or: “I need money because I shared it with Vasya - his mother didn’t give him money.”

No matter how much you want to support good impulses in the soul of your child, it is more important to let him experience the lessons of life: even sharing with your neighbor, you must measure your actions with opportunities. If you decide to give your last shirt to a friend, you will have to experience the discomfort that is a direct consequence of your choice. You can't be kind or generous at the expense of others.

An honest attitude to money is when each family member knows how to compromise, take into account not only their own wishes, but also the interests of the rest of the household, postpone the purchase, agree to a more modest thing. If your child sees that every "family financial advice" ends with one person invariably convincing the others that their needs are the most pressing and urgent, then your child is likely to be angry and frustrated. He will feel his powerlessness, his "second-classness".

At what age and how much to give pocket money?

Children should receive pocket money when they start walking home from school on their own. From around the age of nine, children should have enough money to buy a glass of juice and a bagel. Or one ice cream. Giving relatively large amounts of money to younger students is unreasonable: older students can take this money from them, lure them out, persuade them to buy cigarettes or wine … It’s good if all calculations for children’s expenses at school (money for breakfast, travel tickets and various events) are carried out between teachers and parents. Teenagers should be given pocket money so they can buy movie tickets and eat ice cream. At the same time, it is very important that teenagers do not violate the basic rules that you agreed with them: at the first suspicion that pocket money is going to cigarettes, booze or porn products, you will have to seriously reconsider your financial policy. Maybe give out pocket money in a more modest amount and only for one day. Children love to fish small money out of their parents' pockets - this is not considered theft for them. In order to exclude such tricks, make it a rule to share trifles with your child - let him put them in a piggy bank to buy the cherished computer game that you approved. Try not to leave money scattered around the house. This does not mean that you are suspicious of the child, just that you do not need to tempt him.

Should children under 18 earn money?

Children can start earning as early as 14 years old, performing feasible work no more than 6-8 hours a week. Do not confuse work with housework - all possible assistance to parents is included in the concept of family life and, as a rule, is rewarded with respect, gratitude and praise. But carefully painting a grandmother's fence or looking after a neighbor's son for an hour, helping an uncle wash his car is a completely different matter. This is already work, and it requires a separate payment. What else can teenagers do? Reprint a short article, help do the general cleaning after the repair. Teenagers can take their neighbor's dog for a walk, pick up a familiar first-grader from school and help her do her homework. The main thing is that these duties should not be too burdensome, time-consuming or lengthy. They should not distract children from schoolwork and prevent them from having a good rest. A teenager can dispose of the money he earns at his own discretion. If you impose on him how to spend money, he will soon lose interest in earning money on his own. But he must not forget about the forbidden purchases!


Is it worth encouraging children with money

Not every parent will like the idea of ​​paying a child to do well in school or help around the house. But in fact, material rewards can be just as good for children as they are for adults. The most important thing is to encourage your children in the right way. In addition, cash incentives have another hidden plus: under your strict guidance, the child learns to manage the money he earns. If you decide to reward your child financially, remember a few important rules.

1 Discuss in advance and clearly how much money and for what you are willing to give the child so that he does not feel deceived. For example, if you agreed that your daughter will vacuum the apartment and get money for a new dress for Barbie, pay only when the cleaning is done, and done well. Don't bargain or cheat.

2 Monetary encouragement must be accompanied by praise from parents. Tell your child that you are proud of him, that even dad could not change a burned out light bulb faster. Say: “Surely you and yourself are more pleasant to sleep in a clean room!” In this way, you will lead the children to the idea that it is necessary to clean the apartment not only in order to get money, but also because it is much more comfortable and pleasant to live in a clean place.

3 Don't pay your child not to do something. For example, if every time a baby screams at the doctor, you give him a lollipop to silence him, you provoke more screams. The child understands: if he screams, he will get candy, and if he doesn’t, he will not get anything. Much smarter would be to reward good behavior with candy.

4 If you give your child money, don't dictate how it's spent, but gently advise how to use it wisely. And don't be discouraged if your child doesn't always listen to you. After all, he honestly earned his cash reward.

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