The child is impossible forever with the parents to live in together, sooner or later is must live independently, therefore raises child's independent life consciousness and ability is since childhood very important. Has a look at around us the NEET, you knew that now many young people independent viability misses, they cannot live independently the most primary cause is the finance can be independent, the child has been from infancy to maturity accustomed to the finance relies on the parents, does not have consciousness which and custom the independence makes money. If we are the parents, raised child's managing finances custom in childhood from the child, raised child's independent life (is mainly refers to financial autonomy) to realize, then after child grown-up, will not depend at home eats the parents. What a pity we are the parents several not to be able such raise child, only could swallow the bitter fruit in the end.
Many guardians lack the managing finances education to the child, felt that begins without knowing where to begin. Actually this is not difficult. Teaches the child to manage finances teaches the child to live, teaches the child the personhood. Below I share me with everybody to educate the son in the managing finances aspect a experience:
(1) lets the son understand the money important and makes money difficulty
Many parents are not willing to work as child's surface was saying the money, thought that such will cause the child will change is vulgar. Actually this is incorrect, because nobody can deny that the money is in this world the most useful thing. Is very small in the son, I said frequently to him: Must want to buy the toy, if wants to put on the attractive clothes, you must be rich. And so on son big spots, I said to him: Must want to live in the big house, if wants to drive the automobile, if wants to marry the attractive wife, you must be rich. When and so on sons go to the elementary school, I said to him: Must want to work as a rich man, you must read the book now. I also frequently lead the son to go to the rich friend family to play, let the villa and the bold vehicle have in the visual stimulation directly to him, lets his heart live envies. After going home, I speak these friend's difficult undertaking again to the son, gets rich through hard work the story, will tell the son to make money to put in difficult diligently and the industrious work, the space will not fall the meat pie.
(2) teaches by personal example
Front has said that teaches the child to manage finances teaches the child to live, teaches the child the personhood. Therefore, parents' teaching by personal example is very important to the child. Here, I an own experience with everybody share:
1st, before going to the supermarket shopping, to write the shopping detailed list. Before each time goes to the supermarket, I the thing which must buy write down with wife, list the detailed list. If together goes to the supermarket with the son, lets the son take the detailed list (to go to elementary school from son to start). After entering the supermarket, we defer to the goods which in the detailed list arranges in order to purchase item by item, then asked that the son does have forgot should buy the thing (son has strong sense of participation). Has not included the detailed list the goods not to purchase (is not as far as possible absolute), the goal is tells the son: The expense must have the plan.
2nd, works as son's surface to give the parents the money. At holidays, we except give the bilateral parents to go shopping, but also gives them frequently the red package. We work as son's surface to give mostly. Once celebrates the Spring Festival, I give my mother a red package, my son said afterward to me: Does daddy, how you give paternal grandmother these many money? I said: Daddy is paternal grandmother lives, is grandfather paternal grandmother fosters in a big way, daddy for grandfather paternal grandmother the how much money is should .2008 the end of the year's one day, the son said suddenly to me: Daddy, I gives you 50 dollars. (from son 9 years old, I for him 300 Yuan pocket moneys I asks him every month): Why? He said: The quick new year, I have wanted to give you and mother 50 dollars, is the new year's money. I at that time was moved result in the tear to flow down, I said to wife: The son is such small knew that was filial piety the parents, this son really did not have raises in vain. I happily have accepted these 50 dollar new year's money with wives. You should remember a point: How do you are treat your parents, how your child will treat you.
3rd, works as son's surface to give wife the money. I work as son's surface the money to spend frequently for wife,baby blanket knitting pattern, I must tell the son a truth: The man spends for his woman money is the perfectly justified matter. Once, the television station interviews my son, asks him: What do you grow up make money do? My son said: Future wife and the child will be colored for me, will certainly also have my parents.
4th, buys the gift to the friend. I and wife work as frequently son's surface is buying the gift to the friend, and tells him this is sees somebody off with. The kindergarten starts from the son, son's good friend celebrates a birthday, I can lead the son to buy the birthday present to give them. I said to the son: Gives the gift to be possible to improve your relationship, causes your relations to be better. Others celebrate a birthday you to give the gift, you celebrate a birthday also will receive others' gift. Some people said to me: The child is such small, you teach him to give a present this set, will teach people bad things the child. I said: You do not teach, to wait for him now to grow up must teach, this is sooner or later must teach. In China, gives a present is one kind of folk custom, will pay a man back in his own coin forever will not change. We will now compare the matter which the children will do are the children future must do.
(3) management pocket money.
From a son 9 year old of start,top toddler toys, I on 14th issue him every month 300 Yuan pocket moneys, simultaneously stipulated that the pocket money cannot pay in advance, the money use includes: The purchase between-meal snack, the extracurricular book, the magazine, the mechanical games, the compact disc, asks the child to eat meal, gives the child the gift and so on. The son has 300 Yuan complete right to control, each disbursement must keep accounts. The son has the accounting book, above is recording the date which each time spends, the use and the amount. Pays out money in each month, I must inspect his previous month the account item, had a look to spend how many, spent to any place, but also remained how many. I ever do not fall behind son's pocket money, every month on time provides. The sons earnestly record each account, the similar each month has the surplus. Managing finances is one custom, the accounting is one good custom, the plan expends is also one good custom,unique baby gifts ideas, the son forms these good habits since childhood, will grow up later does not need me to worry.
(4) uses the new year's money to invest
Every year the son from the birth, has several thousand Yuan new year's money .2008 years (son 9 years old) after the Spring Festival, I in the bank to the son have opened a cartoon, stores in the card tens of thousands Yuan new year's moneies. I agree with the son: The later every year's new year's money stores this card; The new year's money can only use in investing, cannot use in expending; Before the son is 18 years old, I am the account household investment supervisor, after the son is 18 years old, by son manages the account household; The investment yield and the loss undertake by the son; I in invests the stock for the son, the fund, before the bond,（Related Articleskids shoes LOL heroic alliance Warwick bloodthirst）, must win son's approval. I and wife plan the account indoors fund remaining sum use in paying son's college fee and the living expenses. I want to undergo near 10 year investment management, while obtains the reasonable investment yield, the son can also learn many investment aspect knowledge with me.
(5) investment stock
I plan from the son the junior middle school start, when is his 12 years old, for him some money, lets him start to invest the stock, like this is in him 22 year old of university graduates, has 10 year stock age, should be a quite mature investor. Because of any stock investor, ever not maturely to relatively mature, must pass through 10 year informed and experienced at least, nobody can the exception.
The managing finances education needs certainly to work from the baby, because fosters since childhood the managing finances custom will be will accompany the child life. Hoped heartfeltly each child lifetime is happy.
No comments:
Post a Comment