My best friend studied financial management and now works as an accountant in a company. Therefore, in terms of financial management, girlfriends have always had an obsession, that is, let children inherit their own financial management mind. When the child is still young, girlfriends have been paying attention to this aspect of the child.
My best friend has paid too much on the road of learning finance. As we all know, mathematics is an essential subject for learning finance. However, my best friend has been a math idiot since she was a child, and it is not easy for her to get here today. When the children were young, she began to cultivate their knowledge about all aspects of finance and business.
Robert Qingqi, the author of Rich Dad, Poor Dad, first put forward the concept of financial quotient. Financial quotient refers to a person's cognition and control ability to the law of wealth. Financial quotient is a person's ability to handle money, which is also called IQ and EQ.
Children educators at home and abroad point out that the earlier a child comes into contact with money, the earlier he learns to manage money, and the more he will make money when he grows up. Therefore, children's "financial education" must be early!
It is very important to cultivate children's financial quotient when they are young, but parents ignore this training and education.
How should parents cultivate their children's financial quotient? Start with these five aspects. 1、? Teach children to keep accounts.
A research report from the University of Wisconsin-Madison shows that children can understand the concepts of economics, such as value and exchange, at the age of 3, although their understanding is still at a very superficial level.
5- 13 years old is a critical period for children's financial and business education. At this stage, children's ability to distinguish and learn is very clear, and it is no longer a big problem to teach children to keep accounts at this stage. Children have no concept of money, and they don't know what is saving and what is wasting. In their daily life, money is still very confused in their cognition.
The most important thing to teach children to keep accounts is to choose a good-looking book for them. Children will be very interested in good-looking books, and choosing a good-looking book for children can improve their interest.
Teaching children to keep accounts can make them know more about their consumption growth, and also make them use their money more rationally without being too extravagant and wasteful.
In order to let children learn financial business better, girlfriends bought cute little books and stickers for their children online, and the children were very happy to see these cute gadgets.
The girlfriend said to the child, "Baby, do you like it? Mom and you take this little book to keep accounts every day, okay? "
How can the child refuse? Every day, I take the initiative to ask my mother, "Mom, when shall we keep accounts today?" I remember what I did today! " "
Every day, my girlfriend and little guy make the bookkeeping book exquisite and lovely, and put cute little stickers on it, which the children like very much. It is also from this time that girlfriends slowly instilled the knowledge of financial business into children, and children also learned a lot of knowledge in such a happy and interesting environment. When other children don't know the concept of money, the little guy can spend rationally.
2、? Let children learn to save.
Now living conditions are getting better and better, and parents usually give their children a lot of pocket money. Nowadays, many parents will not keep the lucky money for their children, so the money in their children's hands is not small for them.
When children have extra money, parents should teach their children to save money, and don't let them put the money around at will or use it to buy some useless things. It is easy for children to spend money in meaningless places. At this time, teaching children to save is the best way.
Parents can prepare a piggy bank for their children and usually store some change; Parents take their children's large sums of money to the bank for storage, take their children to experience the feeling of saving money for the first time, and take their children to feel the atmosphere of storage.
3、? Establish a correct view of money
Robert t qingqi said, "if you can't teach your children about money in time, someone else will take your place in the future.". Such as creditors, police, and even liars. Let these people educate your children's financial business for you, I am afraid that you and your children will have to pay a higher price. "
There are two extremes in children's view of money when they were young, either too frugal or too wasteful. This is the case when children don't have a correct view of money.
Therefore, parents should cultivate their children's correct view of money when they are young, so that children can have a preliminary understanding and understanding of their own money, so as to better manage and plan their own money. We advocate rational consumption and green consumption, so we should cultivate the concept of money from an early age.
4、? Teach children to consume rationally
In our life, children's toys at home are bought and bought, and children's toys are scattered all over the room. Children are still young, they must get what they like and ask their parents to buy it. Even if there is a similar toy at home, the child still asks his parents to buy another one for himself.
What is the above situation? Quite simply, this is because children have not learned what rational consumption is, and parents have not consciously passed this knowledge on to their children. The child knows in his heart that he will get it if he wants it.
If parents want their children's ideal consumption, they should let them spend it themselves and let them feel whether their money can buy this thing. This is much more effective than telling him a bunch of big truths.
My little niece likes Barbie dolls very much. As long as she sees Barbie dolls, her legs can't move, and she won't leave until you buy them for her. I went shopping with her in the supermarket today, so I thought of a way and gave her 20 yuan.
I told her, "Meat, you can buy what you want with the money your aunt gave you, but if you don't have enough money, you won't have any extra money." "
The little niece replied happily, "OK, OK, I know."
Sure enough, the little girl went to the toy area and found her Barbie doll. She took a fancy to a Barbie doll in 50 yuan. I told her, "Meat, you don't have enough money to buy it. This one is very similar to yours. Are you sure you want to buy this? "
The little girl thought about it and looked at it again. The next best thing is to get a Barbie doll with a dozen dollars, which she doesn't have at home. She said to me, "Auntie, I don't have this. This is cheaper."
I smiled and answered her, "Wow, the meat is great. Which one is cheaper?" . "
Children's financial quotient is slowly cultivated from these little things in life, so that children can remember it more firmly and feel fun from such learning.
5、? The experience of making money for children.
The so-called financial education is to let children get what they want through their own efforts with a fixed amount.
However, many parents don't approve of their children touching money. They always use their children as an excuse not to take part in any money-related activities. However, if children are not allowed to know how difficult it is to make money, how can they save money and spend rationally in their later lives?
A child who lacks financial and business education has no difference between 100 yuan and 1 yuan in their eyes, because they have not been exposed to it and have not received any education. In their eyes, these are just a few zeros, a few zeros.
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Message from Ma Jing: No child is born to count, and no child is born to manage money. To acquire this knowledge, the cultivation and education of parents are essential. Parents in China urgently need financial education for their children. I hope parents can pay attention to it and implement it.
I'm Ma Jing, a girl's mother, a trainer in maternal and child industry, a multi-platform original author, a doctor, pharmacist, nutritionist and psychological counselor who has been involved in parenting, and provides parenting advice to thousands of parents. I hope my advice can help you solve the confusion and troubles in the process of taking care of your baby!