When did the baby begin to know the "magic" of money? If the baby has money, will it be squandered by his temper? Can we treat pocket money as a reward for children, giving it when the baby behaves well and not giving it when making mistakes? Can you inspire children to make money through housework? Can we make up for the guilt of busy parents with money instead of our company with children? Give pocket money, how much, how to give it, and do you want to interfere with your child's spending plan? Should children be encouraged to save all their money?
This question was also hotly discussed in our smart parents' QQ group this morning. Now let me tell you something:
What is pocket money?
Pocket money, that is, pocket money, is money that parents or elders can give to their children and younger generations at will. Usually they don't give much. Children like to get pocket money so that they can buy what they want, such as comics, candy, beautiful clothes, magazines and CDs. In short, you can't have too much pocket money.
(1) Do you know how to give children pocket money?
Most psychologists in the west come to the conclusion that the sooner children have money in their pockets, the faster they can adapt to the life of adults. Some data show that even very young children are proud of having a small wallet. This kind of pocket money for children is called "pocket money" in Britain and "pocket money" in America.
I know a 7-year-old German boy. He kept all his change in the bank. He has his own account in the bank. In the west, it is not uncommon for parents to open bank accounts for young children. American experts suggest that 3-year-old children pay $3 a week and 6-year-old children pay $6 a week. In other words, the allowance is increased by one dollar a year.
There are four ways to give money to children:
1. As long as you have money, just give it to your child;
2. Pay the child's money completely as labor remuneration;
3. Give money regularly without any additional conditions;
4. Give money regularly and ask children to spend money very responsibly.
Of the above methods, the first three are all wrong, and only the last one is right.
At the same time, it should also do:
Parents and children discuss how to spend the money in advance;
Pay children regularly every week, and children above 1 1 can pay monthly;
You can't deduct money just because the child is at fault, and you can't influence his behavior by increasing or decreasing; Discuss in advance what housework children should complete;
Revise the agreement every birthday, formulate new "allowance" standards, and determine new labor services.
Of course, it should be forbidden to use this money to buy cigarettes and wine.
Parents' University Hall reminds you to participate in the topic discussion. You can join our QQ group: 374397380, 2808523 17. Verification information: smart parents+baby age.
▋ (2) How to give children pocket money?
When giving pocket money to children, the most important thing is that you should understand that pocket money can help children gain life experience. When giving pocket money to children, you can consider the following criteria.
The younger the child, the shorter the interval. The younger a child is, the worse his planning and control ability is. So the interval between giving pocket money is shorter. Generally speaking, children before 10 are given once a week, and children after 10 can be given once every half a month or once a month, depending on the situation, until it is extended to once a semester.
The determination of the basic amount should be discussed with the child.
If you want to establish a reasonable basic amount, you can talk to your child about how big the amount will be and what it will include. What you have to ask your children is, how will they spend the money? What if they overspend? Will they plan to save? By giving children some income regularly every month or week, let them learn how to manage money, the value of money and how to plan to spend money. Children may make some mistakes when spending money, but this is actually the best education for them. By determining the basic amount, you can avoid becoming a child's ATM, and you will find it easier to control the child's expenses. Of course, the final size of this amount should also take into account the income of your family, the age of the children and the content that must be spent.
Children should be encouraged to save money.
If your child has the idea of saving money, no matter how much he saves, even if he saves only a few dollars a week, you should encourage him, because this is the beginning for him to learn to spend money in a planned way.
Don't give too much.
If your children always think they have money to buy anything they need, then you must give them too much pocket money. Too much money will bring unrealistic expectations to children, so that you can't distinguish between good and bad when spending and make the right choice.
Set a fixed payment date.
It is also important to set a fixed date to give money to children and stick to it. If you give money to your children late, it will ruin their original plans, just as your failure to pay will affect your financial planning. You should give money to your children every month or early every week, so that they have a chance to make a budget for a period of time.
▋: Why should I give my baby pocket money?
Let the baby share family resources, participate in family management, have a sense of independence, and avoid the habit of lying and stealing because of excessive repression in spending money.
If the baby has realized the benefits of money, there is not a dime in his pocket, and there will be problems in the long run. From a small point of view, if his peers have pocket money and your children don't, the baby will try to avoid mentioning it in front of kindergartens and primary school students. He will be alone, afraid that he will be embarrassed when he meets AA consumption projects with his peers, which is not good for interpersonal communication; In addition, if children have never enjoyed the pleasure of buying independently, they will be attracted by this pleasure, so that the coins put by their parents will disappear. Facts have proved that children who have no pocket money since childhood will pay too much attention to the energy of money when they grow up, and are more likely to be rejected by their parents because of money. Therefore, giving your baby an appropriate amount of pocket money is only a prerequisite for your baby to develop a more enlightened view of money.
2. Let children learn to control their desires, learn to plan consumption, and spend wisely.
For children over 4 years old, parents can try to give pocket money once a week or once a month to let the children know how much money they can spend freely for a period of time. This is a good way to help children "delay satisfaction" and "control desire".
As the child grows up, parents can help him to agree on the scope of use of the money, make a general plan, and form the habit of living within our means. If the baby's self-control is poor, parents can give less pocket money and only let the child use the money to solve the expenses such as snacks, hairpins and small gifts. After the baby's self-control is established, we can give more pocket money and expand his "out-of-pocket scope". In this way, once the baby tries to buy his long-cherished toy car, roller skates, or children's books and dolls that match TV cartoons, he will know to control some other purchase plans and save money to achieve his own goals, which will naturally produce a sense of saving. Parents give away their children's piggy bank, and even take their children who are about to go to primary school to open an account in the bank, and deposit the money he has saved, so as to finally realize one of his consumption wishes. When children have the concept of saving money, they will be happy to accept some of your "smart consumption" suggestions, such as how to buy promotional poster products at preferential prices in supermarkets; How to compare the prices of the same snack; If you observe the freshness and shelf life of food; And how to cut coupons for KFC and McDonald's from newspapers or download them from the Internet.
3. Let children understand the concept and function of money and know that all money is the reward of labor.
Generally speaking, two or three-year-old babies have no complete concept of money. When they first became interested in money, most of them thought the patterns on coins were beautiful and fun, and some children even folded colorful "paper planes" with paper money. At this time, the primary task of parents is to help their children establish a relatively complete view of money.
Parents may wish to explain the concept of money to their children from the simplest exchange of money and goods in a language that their baby can understand, supplemented by family games, and understand several major monetary values. After that, parents can try to get their baby to pay for one or two snacks of their choice, such as potato chips, chocolate candy, biscuits and so on. And gradually help the baby to establish the concept that you have to pay for things, and your parents' ability to pay is limited, so the money in your wallet will be gone and you can't satisfy your wishes indefinitely.
Recognizing this fact will make the baby mature a lot, and many families will get rid of the embarrassing situation that the child is crying in front of the toy cabinet. Instilling the concept of money as soon as possible can prevent the baby from mistakenly thinking that everything is at your fingertips, causing the problem that on the one hand, the desire expands, on the other hand, the goods are quickly damaged and abandoned after being bought back; Instilling the idea that money comes from parents' hard work not only implants the concept of "moderate consumption and cherish money" in the baby's mind from an early age, but also relieves the baby's separation anxiety when entering the park:
Since when should babies have pocket money? What is the principle of pocket money?
Babies of different ages should pay pocket money in different ways.
For infants aged 2-3:
Babies aged 2 ~ 3 have learned to distinguish the patterns of banknotes and coins, and understand the purchase and circulation functions of coins. However, babies of this age have no planning and self-control. Some babies will give him some money temporarily when they have the desire to spend immediately, and remind him to get change and cashier receipt. Parents can explain the importance of change and invoice to their children in easy-to-understand language, especially buying a lollipop or an orange with change immediately, so that children can intuitively see the purpose of change.
Because children aged 2 ~ 3 have the habit of putting all kinds of things into their mouths to taste, it is much safer to give them paper money than coins, and teach them to wash their hands after paying and before eating snacks.
For infants aged 4-5:
Babies aged 4 ~ 5 can give pocket money every week. At this stage, children have certain plans, but sometimes they can't avoid spending money and impulsive consumption with friends. Paying pocket money once a week not only controls the amount of his impulsive consumption, but also makes him wait for a long time to "return empty-handed". Giving pocket money regularly is equivalent to giving children a "salary". You can put forward certain requirements for your children in this "salary income", such as being polite, tidying up your room, dressing yourself, tying your shoelaces, not sleeping late, not watching cartoons overtime and so on. You can help your child develop good habits step by step, but if the baby has repeated during this period and will make old mistakes, there is no need to deduct pocket money to punish him. We should make pocket money an incentive mechanism, not a punishment mechanism.
For infants over 6 years old:
Babies over 6 years old have been able to list their schedules in an orderly way, knowing that there are 30 days or 3 1 day in a month, including more than 4 weeks; I know there are 12 months in a year, and red envelopes are only available during the New Year. Children at this stage can try to pay pocket money once a month; If he practices it, he will be "penniless" in the second half of the month, and he will divide his pocket money into two parts and pay it every half month. With the expansion of baby's activities and the enhancement of communication ability, his purchase plan will gradually increase. At the same time, the baby will come back and complain that the price of a can of coke has increased to two yuan. "Mom, shouldn't we also increase our pocket money?" Don't think this is unreasonable. Parents and babies sit down to discuss it carefully and reach an agreement on the new amount of pocket money, which is a remarkable progress for the baby. From this, babies can learn how to find evidence to support their views, how to put facts and reason to fight for their rights and interests. The baby's "salary increase proposal" may not be satisfied with 100%, which will also inspire the baby: negotiation means mutual compromise, mutual understanding and mutual concessions. Baby's pocket money has increased. In order to prevent the baby from endlessly spending pocket money on changing game cards, game coins and "junk food", you can ask the baby of this age to set up their own small account book so that parents can monitor their children's consumption at any time. The wider the scope of children's consumption, the more necessary it is for parents to monitor and intervene. Because 6 years old is the key stage of children's independent consciousness, it is very important to tell him what is allowed to buy and help him distinguish what is "wanted". The former is to tell him family values and consumption views, while the latter is to let him know what is essential for him from the complicated material desires.
Parents' University Hall reminds you to participate in the topic discussion. You can join our QQ group: 374397380, 2808523 17. Verification information: smart parents+baby age.
How do parents guide their children to use pocket money?
1. Give suggestions on the basis of respecting wishes:
Pocket money can be used by children to satisfy our "disapproval" consumption desire. In other words, parents can give some suggestions on the basis of respecting their children's independent consumption. If parents are too strict, children have to listen to their parents when they buy anything, then children, like a piggy bank, completely lose the significance of cultivating smart consumption and financial instinct with pocket money. Parents should be clear that taking some detours in spending pocket money is also the only way for children to accumulate experience. For example, the child was attracted by the propaganda of "winning the prize in drinking", and he took out all his money to buy drinks in one breath. Finally, he found that he did not win the prize, and he would reflect on the impulse just now; If a child is attracted by "eating crispy noodles, collecting pictures and winning a trip to Hainan", we might as well let him try again. He will wake up when he finds that he can't collect the pictures of 18.
2. "Safe consumption" education:
With pocket money, the education of "safe consumption" is essential. Children like to buy novel stationery with strange fragrance and fluorescence, plastic toys with fancy colors of unknown origin, which will "explode" or dye their tongues with green and blue sugar. From the age of 4, we can teach him to find and identify the "QS" quality and safety signs on food packaging bags, which are similar to the green food signs of "green watermelons rising from the grassland", teach him to identify the frontispiece in reputable supermarkets, and tell him not to buy particularly bright drinks and cold drinks, nor to buy sugar that can dye his tongue green and orange. Let children understand the importance of the quality and safety of food, toys and stationery to their health, and tell him that it is much safer to choose a supermarket chain than a roadside stall when your discriminating ability is limited.
3. Don't let children become "selfish ghosts";
Parents should avoid spending their baby's pocket money only on themselves. Some babies are stingy and selfish when they get pocket money. They only buy things for themselves and say to their parents, "This is my money, don't try!" " At this time, parents must not laugh, but tell the baby that love is mutual. At home, among friends, only babies who know how to share will be welcomed. Parents should encourage and inspire their babies to show their love with some pocket money, such as buying some small gifts for grandparents' birthdays, putting some change in the "Hope Project Donation Box" next to the supermarket checkout counter, or using the money saved to buy a new schoolbag for the "poor schoolchildren" reported in the newspaper. I believe that these love education will plant the seeds of kindness and sharing in the baby's spiritual space. When the baby grows up, these seeds will naturally blossom and bear fruit.