I don"t understand the parents" pay, parents always ask to do something, they always have to "pay", they waste food at random, they can"t buy things they like, and they can compare each other. .. The seemingly simple money-related issues, at a deep level, actually involve the development of children"s personality, pursuit, goals, and the development of character and responsibility.
It is still very difficult for parents to grasp the scale of the "scrabble" without letting their children become a "breaker" that spends a lot of money and money. Therefore, in guiding children to correctly understand money and create and manage money, parents need to avoid the following misunderstandings: Is it a bad thing to talk about money with your child? In the Chinese concept, I have always been jealous of talking about money with children, let alone the financial education of the system.
99% of parents have neglected the development of their children"s financial business, resulting in children lacking the correct concept of money and basic financial skills. But the issue of wealth is related to all aspects of life, and financial and business education should be sooner rather than later. I hope more parents can realize this: we advocate the cultivation of children"s financial business, instead of teaching him to spend money. After all, wealth can increase the choice of life. The sooner a child conducts financial education, the sooner he will have more life choices.
What do you want?
Do everything in your power Many families are only children, forming a tacit understanding. Parents will unconsciously show the idea of “providing unlimited benefits as long as they are good for children”, and inadvertently instilling in children the concept of what to give. In this way, the child will be squandered, completely ignoring the labor behind the money, and can understand the hard work of parents to make money.
Alternate financial arrangements In order to give children a prosperous future, parents are also very worried! Some parents accumulate rich assets for their children, pay a single wedding room down payment; some parents report expensive courses for children, invest in education. .. These investment projects are undoubtedly good, but after all, parents take care of their assets instead of their children, but the children are completely ignorant. What is even more worrying is that parents regard this kind of behavior as reasonable care, and they do not realize that it is their own arrangement instead of depriving children of the opportunity to learn the financial business. I have seen the typical Chinese-style "financial business misunderstanding". Is there a feeling of being shot? So, how do you cultivate good financial and business habits for children in their daily lives?
1. Foster self-discipline and habitual of savings From now on, parents may wish to consciously cultivate their children"s awareness of financial management and their habit of saving. We recommend that you can help your child divide the savings plan into three: a pocket money account, savings or fixed investment, and extra spending. With planning, learning to cherish, can also let children experience the joy of harvest. For example, the annual lucky money can be the starting point for children"s financial education. Parents allocate money to the children reasonably, tell the whereabouts and usefulness of the lucky money, and slowly cultivate their knowledge of financial management.
2. Child Growth Planning According to a Yale University survey, 3% of people who have a goal to record and establish a practical plan are 10 times more successful than the remaining 97%. Finance and business education should be gradual. Parents can formulate training plans according to their ability at different stages, and use scientific methods to infiltrate financial education into their daily lives. For example, the parents" plans for the children"s funds for further education can be integrated into the children"s financial education. In this process, the child can also experience the role of financial management and see the benefits of financial management.
3. Participate in charity activities Most parents" knowledge of financial education is limited to savings and investment. In fact, how to give back wealth to society is also an indispensable part of financial education. Parents actively engage and encourage children to participate in public welfare activities, such as disaster relief, poverty alleviation, and caring for children with disabilities. Guiding children to make charitable donations can not only enhance the child"s sense of responsibility to the society, but also cultivate the child"s compassion, and let the child learn to be grateful and cherish the hard-won happy life. Warren Buffett once said: "I am very grateful to my father. I learned from him how to have a correct view of money when I was young. Saving money is a very important course he taught me. " They all say that parents are the first teachers of their children.
Finance and business education, like other education, is an educational process of words and deeds. The teachings of parents are often more effective than any business school curriculum.