Money does not grow on trees
Modern kids think that banknotesParents simply take it out of the ATM. In the same way, we once believed that rubles grow on trees. The sooner a child stops believing in such a myth, the better. Therefore, you can start spending money correctly from the age of 4-5. It is at this age that children begin to understand what money is and what it is needed for, but where it comes from is not important to them yet. If your child thinks like this, tell them that you go to work, and for a reason. You have to perform official duties. This is what they pay you for.
Photo:Getty ImagesTo make it easier for your child to understand what you are talking about, try to draw a diagram on paper. For example, a child wants a bicycle, and the monthly income of mom and dad is 70,000. Parents work about 336 hours a month (21 days for 8 hours). Accordingly, if you divide the salary by the number of working hours, it turns out that parents receive 208 rubles per hour. With a bicycle costing 10,000 rubles, mom and dad will have to work 48 hours on it. This is about 6 days. It would seem that this is not so much? But this is a misconception. After all, you need to buy more than just a bicycle. In every family, in addition to income, there are necessary expenses and desired expenses. This is a budget. For example, expenses on food, payment of utilities, travel on public transport are obligatory expenses. Desired expenses are going to the cinema, a cafe, a water park. Explain to your child that from a monthly income of, for example, 70,000 rubles, you need to subtract mandatory expenses. Is there anything left? That means you can afford what you want. And what it will be depends on the available amount. But, most likely, you will have to sacrifice something. You most likely won’t be able to afford everything at once – a bicycle, a water park, a cafe, and a movie. There simply won’t be enough money. The child needs to choose what he wants most. And, by the way, you need to take into account the wishes of the parents, they also have optional expenses.
Your wallet
It is useful to give older children money forpocket money. This is an important point, thanks to which the child will be able to learn how to manage funds. The amount should not be large, the money should be enough for basic needs, as well as the ability to put aside. Talk to your son or daughter in advance about what you should not save on. Try not to tell the child what he or she should spend this money on, otherwise what's the point? Has the money run out ahead of time? Do not rush to increase the amount of pocket money, otherwise he or she will not learn to save.
Young Winner
Some parents prefer to encouragechild for doing chores around the house. This is wrong. The child should understand that walking the dog and washing the dishes are common responsibilities. And you can't do without them. Besides, mom doesn't ask for money for cooking dinner. Part-time work is another matter. A teenager distributes newspapers at the metro for several hours a day and gets a salary? Great. Children value the money they earned themselves more than the money they received from their parents.
Photo: Getty Images
Small banker
It is necessary to teach your son or daughter about moneygradually, according to age. A child aged 6–8 is given the opportunity to make simple purchases. At the same time, you can say that money can be saved and accumulated. Although children of this age cannot yet plan their expenses for a long period. A schoolchild aged 9–11 is taught to compare prices for goods. What is cheaper and what is more expensive, how this affects the quality. At the same time, it is worth explaining such concepts as "expiration date". It makes sense to take a child of this age with you to the store for groceries. Shopping with you, he will quickly understand where the money goes. A teenager aged 12–14 can be taught to plan expenses for a short period, for example, for a week. They also explain how to save. For example, you can save up for the same bicycle all winter, putting aside a small amount every week. Children aged 15–16 are taught to plan expenses for a long period, for example, for a month. For this, the teenager can be asked to fill out payment receipts, make a family budget for a month. This way, the child will see how income and expenses are formed. What you shouldn't doIt happens that children spend all their savings ahead of time. You shouldn't scold a spendthrift child. You just need to find out where the money went.You can't constantly tell children: "No money." Such a phrase will form in the child a feeling that he is poor. Then it will go into adulthood and become the cause of many undesirable habits.Money given or earned by the child should remain with him. But so that he does not lose or squander it, dad or mom can offer themselves as a responsible custodian. You can open a bank deposit in the child's name. Moreover, you should definitely go to the bank, deposit and withdraw money with your son or daughter.If you cannot give your child pocket money, explain the reason (you are saving up for something, there were unplanned expenses). It will be bad if the child considers you an ordinary greedy person. Also interesting:
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