A lot of parents live in a kind to control pendulous in contradictory state of mind, hope oneself child becomes tycoon in the future namely, fear the child indulges prematurely again at the same time money, delayed school work. Actually the education of the money business to the child and independent viability is a blind area that Chinese family teachs. Parents always feel the child is small, talk about money with them, seem to be about to teach them bad, or the child becomes immediately " lay " . Actually money business also is to want from what want education, late regretful.
The friend's child a few days ago the hand holds great of 100 yuan of money in both hands to show off saying is him in school gain. This friend is not put however, resembled pressing a heavy like big stone in the heart. The purest friendship is between the classmate, how can you earn the classmate's money? Light was wanting to make money, is study absorption? Pin money can put forward not quite, disaccord parents discusses to earn classmate money, the child cannot so early! The news on the net blots out the sky and cover up the earth is the controversy that should make money about pupil. I am tracked again watched period of time, the channel that this child makes money is his a few toys and books written in ancient times, go for instance Kendeji is obtained freely those who give is small place, the caricature that has looked, magazine, actually this is reasonable and lawful, need not much Lv.
The friend fears the child learns energy dispersedly this also not without the truth, I connected teenage activity center, helped him sign up " flea market " activity. After the friend hears of, very glad, the psychology that satisfied the child to want to use old other people to make money already so avoided to sell the behavior of the thing in the school again, it is kill two birds with one stone really.
The advantage of flea market is to let children pass personal practice and experience, the economical, love that develops children, dedication and own and free-standing consciousness, the fun that also lets them realize creation value from inside labor at the same time and the hardships that experience the parent. Nevertheless this still cannot say its are taught for money business, so true money business education is what kind of, what is the ultimate goal that money business teachs? How should we be below the pressure with heavy school work, is the money business that develops the child taught? What to let our look on coldly saw these countries be done in this respect? The article analysed the country such as the United States, Jew, England how the money business of open child, fall from the external condition of pressure of Chinese onerous study, begin to the university is analysed one by one and coach from nursery school how the money business of open China child, have specific example, also have the expert's point of view, the hope helps great master
The United States with all-purpose money -- why does the parent abandon profiteering accompany the child to gain penny?
The long-distance running team of American school wants buy team to take, probably 50 dollars. Some parent says: The child is growing everyday tall, I have 3 children, his team is taken, wear a year trashy, honest too wasteful.
We want raise donations to buy a team to take to children, lest parent keeps spending money, but the dress should be protected well, assure to the child below is sent after be being worn. Nevertheless, 50 dollars, two children, also want on 1000 money. How raise donations? Woman of law court of beautiful still state covers old game of more than 100 years then: Scone is in the home works, take market next or sell on public activity. Parents are aroused to rise, each show one's skill, bake piece most the biscuit of expert. The organization with careful repass, let children go out to sell. Sell that day, still issueing spit, children do sth over and over again one morning, combat success is brilliant, at a draught income hundreds of, but insufficient still. Finally do sth over and over again a few, eventually success.
Two teams are taken, more than 1000 money, the labor of at least ten parents and children, these child labour people labor price for the moment does not calculate, add up the man-hour of parents only, whether can earn a minimum wage to be afraid very it's hard to say. Perhaps someone can say: Economic Zhang cannot so calculate, those housewife, stay in the home to also do not have a thing anyway. But in fact, that initiated mother, devoted energy is most, plan, harmonious, supervise operation, receive the money, team that order to take, it is her thing completely. These are herself do sth over and over again, cannot find a person temporarily, derive from personal top to go up. Additional, long-distance running group also joins when she is young, often still become compulsory coach to children now, had chaired summer camp of a long-distance running even. It is a housewife, whether does energy also have a place too superfluous?
However, what pour person thunder truly is: The family is a doctor! Check check public data to know, american doctor, if average yearly salary imposes the sentence of all sorts of welfare, exceeded 200 thousand dollar. Although salary is high but very painstaking, a week works 60 hours above. It is thus clear that this mom is not idle must do not have the thing, person that has big time turn from side to side absolutely.
This economy Zhang how algorithmic? busy the doctor of on sb's head, putting the money of ten times to earn without kongfu, come home learning child labour people does appearance sell cookie? But, this is not a doctor is risked foolish angry isolated phenomenon, to the United States those learn an area richly to look, this is consuetudinary. Not only the doctor is so dry, even those banker that can calculate fund most, investor, also can follow so do sth over and over again.
Everybody says family education the word says: Our familiar China pattern gives action is the parent goes evening early to put in busy move 's charge to make money everyday, did not accompany child confabulate play for nothing, the child is not quite outstanding still can plaint: I everyday of tired dead tired work for you, you how so sneaking? American type is paid is to abandon profiteering for company child goes do sth over and over again, when the child heat fell in love with labor, lane knew working ethics, enjoyed human those who communicate is happy, after harvesting profitable achievement, american parent feels the child's face to say: "Of good appearance, next time what does our do sth over and over again nod? Next time what does our do sth over and over again nod??
The Jew that is good at be in business -- moneybags is to be able to force come out
Israel arrives at the beginning of 3 children that mom of a China is bringing him when, got many neighbour people accusing. It is before when home, hold to the principle that cannot suffer from the child again painstakingly all the time, arrived after Israel, she is doing eligible Chinese type mom as before: Send the school to read children first in the morning, sell spring roll to the street again next. Arrived to classes are over afternoon when, receive the child spring roll booth, stop to do business, in the noodle below wonton is made to them above small furnace. Such scene is in in China did not pass usually, but the severe reprimand that children received local however: "You had been big child, should learn to help your mother, is not to look at your mother business here, oneself resemble trash same. " the mother also gets rebuke: "Do not take the Chinese type education that the sort of lagging behind to Israel, do not feel unripe the child you are a mother... "
Jewish word very injure a person, after coming home, mom comforts children: "Do not have a thing, mom can be propped up, I like to take care of you. " but, the child says: "Perhaps, she says rightly. Mom, let me try. Let me try..
The following day the child sits by him, learning his appearance to get on the spring roll portfolio that has made stuffing, roll into finished product, go into oily boiler next scamper. His movement is a little awakward at the beginning, but more and more skilled later...
Besides the side mom makes spring roll, still put forward to take the spring roll that has made to go to the school selling a classmate by them. Every morning, 3 children take 20 spring roll to go to the school each, classes are over when coming back, meeting everybody of 10 Xie Ke Er sell spring roll income to hand in mom entirely.
The kind that 3 children sell spring roll actually disparate: Old 3 franker, according to old price, the name of a river in Shaanxi and Henan provinces of 50 elegant dagger retail, gain the name of a river in Shaanxi and Henan provinces of 400 elegant dagger; The second used wholesale method, the name of a river in Shaanxi and Henan provinces of 40 elegant dagger sold entirely directly school dining-room, although have the profit of the name of a river in Shaanxi and Henan provinces of 200 elegant dagger only, but he tells me dining-room agrees to let him send 100 spring roll everyday; The means of the old is more unexpected, he held in the school " take you to walk into China " lecture, by the information of home of China of his give a lecture, the stunt of the lecture depends on can sampling freely delicate Chinese spring roll, but need buys a ticket, each the name of a river in Shaanxi and Henan provinces of 10 elegant dagger, every spring roll was broken up 10 meticulously by him, he recieved 200 audience, ticket income the name of a river in Shaanxi and Henan provinces of 2000 elegant dagger, be in school of turn over to the higher authorities 500 Yageluo's field after charge, profit the name of a river in Shaanxi and Henan provinces of 1500 elegant dagger.
Let a person do not have expect, it is only between short number day, the child suddenly change one's identity that stick together mom meets act like a spoiled child only previously became nimble young Judaic trader.
This mom also concluded like Jewish family later paid life mechanism, the any in the home no longer free is used, include a mother to offerred food is fed and serve. The meal eats in the home, need pays me 100 cost fee of Yageluo, wash the dress to need to pay 50 elegant dagger the name of a river in Shaanxi and Henan provinces... in collection charge while, also give them profitable chance, with every spring roll the price of the name of a river in Shaanxi and Henan provinces of 30 elegant dagger is approved send them, after they head the school, can add valence to sell by oneself, profit share can be controlled freely.
Everybody says family education the word says: The Jew does not feel to make money is the activity that a need reachs certain age ability to begin, with China " education grabs from baby " same, they feel from beginning to end " make money to grab from baby " just be best educational means. In Jewish family, children are mixed without free food take care of, pron any thing has the price, every child must learn to make money, ability obtains everything what he needs. Namely such a kind " callous " mother love, got the child's rich and generous get one's own back however.
The Englishman of careful calculation and strict budgeting -- pin money is to be able to lay money
The bank of Mu of soup of 15 years old of boys blocks England the money on account exceeds his parents quickly, money where of so much comes ah? Since so he opens account from 6 years old, his pocket money and work income begins to stock a bank. As the growth that money counts, he begins to consider to have the knack that conduct financial transactions invests. He 15 years old has had investment experience of 4 years, although also invest failure sometimes, but the pin money that still allows him finally times fast growth.
Policy for education of conduct financial transactions is to advocate rational consumption, encourage careful calculation and strict budgeting, and them idea of this kind of conduct financial transactions imparts to leave generation. Be in England, deposit and conduct financial transactions are the obligatory course of student of British middle and primary school. Children deposit account is more and more popular, most bank opened special account for 16 years old of the following children, the British children that has 1/3 mixes their pocket money work income stocks the financial orgnaization with bank and leasehold deposit.
England should know the different origin of money 5 years old to children of 7 years old, know money to be able to be used at a variety of purposes; 7 years old of children that come 11 years old should learn the fund that manages his, realise deposit the action to contented future demand; The expenditure that 11 years old of students that reach 14 years old want to know people and deposit suffer what element effect, know how to increase individual economy capacity; 14 years old of students that reach 16 years old want study to use Wu of kimono of tool of a few finance, include how to undertake budget, deposit and abecedarian invest.
Everybody says family education the word says: Chinese parent is not willing to talk about money with the child, also not be willing to take them to learn investment, a reason is them feel such meetings guide the child the excessive pursuit to money. Actually pursuit fortune is not evildoing, but should teaching children to handle money correctly just is the homework that parents do surely.
The China of housekeeping of hardworking and thrifty -- how is business of education child money done? (the following data sources the money business teacher at major)
Grow individually in the light of Chinese child the characteristic of period, for their set the subject that different conduct financial transactions teachs, undertook through particular case the expert is commented on, believe to be able to provide certain reference for parents.
Nursery school phase:
1, the source that recognizes money
From where does ● money come? Is what the sky falls down still father mother job is earned come?
What about does ● money grow? Familiar cent, horn, yuan coin and soft design and number.
Dry what can ● money use? Can buy toy, car, house...
How is ● become with soft collect 10, 20, 50, 100 wait for integer? Learn simple addition.
Beautiful money of ● what thing is much? What thing beautiful money is little? With the life medium article is exemple, learn simple measurement to compare.
The daughter of Ms. Cao will be about to entered elementary school phase to learn on September 1 this year, she told about herself to be between child infancy to the reporter, how to develop the child understanding to money conciously.
Recognize the source of money
"The daughter just went up 3 years old nursery school that year, the class is later below my gentleman, she asks me with respect to old love, why does father often come back so late. I tell her, father should work, want to make money. She can ask, does father make money what to do? I tell her, father earned money, can shop, can buy good-looking dress to wear to darling, buy big house to live to darling. She some have only vague idea.
When middle shift of the nursery school on the daughter when, I was taking her to arrive to grow the office field together of purpose, let her look at me to give garden to grow tuition. I tell her, these money give garden is long, the teacher of nursery school had salary, the child of nursery school can have a toy to play, paintbrush is used, this money still can be used as to construct the amuse oneself little room that children like most by nursery school. Let her know, must reach the nursery school on cash ability. In the meantime, I still tell her, these money are father mother works hard everyday work to come, only working ability gets money. The child ability of effort study has great ability, ability finds good job to make more money. Ability finds good job to make more money..
The expert comments on:
◆ domestic income is high now, always satisfy the requirement that the child raises of parenthood as far as possible, the result brings about dot to be not known cherish property, attaint, wasteful, extravagant phenomenon is very serious, always think the parent's money is from the bank (information, forum) in change come out, for instance the parent is being gotten go bazaar, the child sees delicious be about amusedly to buy, do not give buy blubber, if do not hope child nurturance this kind of bad habit. Should tell the child money comes from where after all, let the child have the consciousness that values money, know the hardship that makes allowances for parents.
2, the use that understands money
{! - - PGC_COLUMN- - }Understand the use of money
After knowing money comes from where, also want to tell the child money to able what is used.
To the problem of this respect, ms. Cao is having her experience: "The child went up after nursery school, I let her know coin and soft, let her accomplish the size that can distinguish money. Go facilitating when inn, I can take her to go together. I use when a yuan of coin buys egg of a tea, can let her intentionally see. When facilitate the next time together, when I take 3 a yuan coin to buy a bottle of drink, also can let her know I spent how many money designedly. Go selling greatly occasionally, I also can let her learning to identify the ticket price of the goods that often buys. When buying a toy, also let the child go together as far as possible, let her know, the toy also takes money to be changed. The toy also takes money to be changed..
Anyhow, should change namely method lets the child know, qian Ke exchanges the life that he needs and study article with be being used.
The expert comments on:
◆ lets the child know the value of money, know dry what money can use, also be cheeper conduct financial transactions (information, forum, product) in education important one pace. Than
Be like, parents like to prepare lovely deposit canister for the child, foster the deposit consciousness of children. Actually, be opposite to let the child deepen " penny " , " big money " consciousness of figure sense organ, might as well let the child have two deposit pot, let her learn to discern thereby the size of money, more or less to differ with utility. If the deposit canister of a green gives the child to be used,put one horn, pentagonal on coin, accumulate certain numerary time, take pocket money, change a yuan coin with parents, put in red deposit canister next. Tell the child, accumulated how many after a yuan of coin, can buy a toy to oneself.
◆ besides let the child know money can buy a thing, best also can let the child know as a child, money also can be helped other
Child. For instance, can tell the child, do not rise on the child that still has a lot of places learn, can not afford a book, play without the toy. The save money of gules deposit canister that becomes the child is enough when coin of 50 a yuan of money, the child that can help impoverished area goes reading elementary school one grade, let them sit in the classroom, etc.
3, preliminary study is used small pocket money
"The eye looks at the child to be about to go up elementary school, I also plan to increase a few difficulty to the child, make herself preliminary learning to use fund independently. " Ms. Cao says.
"Summer arrived recently, what I often let her take the coin of 5 wool to go to a village is automatic water water is hit in machine machine, put in 5 hair, can come out one tun is pure water, make her independent finish. Occasionally I can give her a piece of 20 yuan biscuit ticket, let her buy on a few loaf to family in the bakery of village doorway, just began the child to still not be willing to go, courage is small, bashful, I accompany her to go in later, she is looked at to see the number on each biscuit label by, calculate which a few to add up as it happens is equal to 20 yuan next, if calculate much or little cannot pass a barrier. If calculate much or little cannot pass a barrier..
The expert comments on:
◆ is brought up slowly as the child's age, the cheeper before the elementary school on now also had certain computational capacity. At the moment, increase cheeper conduct financial transactions to teach the inning of content just about. Such method is worth Ms. Cao very much draw lessons from. The key is not controlling how many fund at making the child true, let children know his to OK allocation and made spend money however, also be in at the same time imperceptible in practiced simple addition.
◆ at the same time, also can rear the child in this one phase the sense of responsibility to the family, know pair of family economy to give one component of force.
For instance, when the need in the home buys a milk of 9 yuan of money, can tell the child this milk dad to mom and darling want to drink, so everyone should give money, make the child true take out 3 yuan of money from inside deposit canister, let the child learn to spend money to shop.
Elementary school phase: Earn take and use good pin money
Conduct financial transactions teachs a subject:
Can be ● pin money used what thing to buy? Can use at proper and reasonable respect, and not random flower.
● what way can make his pin money? Through housework, play the game, do a favour to wait undertake encouragement.
It how is ● pin money earned is easier how is ● pin money earned? Housework pay a few lower, encouragement that do a good work or takes an examination of good achievement pay to have different rate some higher.
● pin money how reasonable arrangement? Can buy things of toy, study to wait, also can eat the Qian Fang of surplus deposit pot or put a bank.
How is ● pin money used significant? Mother's day buys a carnation, buy Zhang Wen to await card for the classmate that fall ill, prepare little birthday present to wait to grandfather grandma.
"Now of the child slant early, ancient clever choice is odd. Children Tong Jin is 11 year my daughter years old, I feel right to the child of such ages undertakes conduct financial transactions is taught, the parent uses the means of force-feed duck type impossibly, from the proceed with of a few little detail in the life, can have pretty good effect instead. " the experience that Ms. Chen of 37 years old told about her to teach the child.
1, learn to consume a program from pin money
"On the daughter one grade when, lunch in the school midday. Dot people together, like to take bit of small sock, girl people the little writing material such as bit of lovely rubber, pen is bought in the small shop that also likes to be on the side of the school. Then Tong Tong begins to ask to me a few pin money. " thenceforth rises, every chapel can give Ms. Chen the daughter 20 yuan of money.
"Inchoate moment, tong Tong does not have a concept to how spending pin money. " the child that become reconciled is brought up in sweet canister more is same, tong Tong does not have pilot consciousness to independent defray. The first chapel, tong Tong Zhou Er tells mother in the evening, oneself money consumed, want to want to order pin money again. "Actually 20 yuan do not calculate much, but I feel pin money is an opportunity with best education of business of money of this phase children. " the uneasiness that faces a daughter, ms. Chen did not rebuke, ask Tong Tong patiently however, her pin money used what place.
"Bought ice-cream, bought drink, bought paster... " Tong Tong comes together, it is beautiful really that Ms. Chen begins to helping a daughter analyse these pin money be necessary.
Then Ms. Chen gave Tong Tong two plan, a kind of plan is this week gives her pin money no longer, additionally one kind of plan is to give Tong Tong 10 yuan of money again, but should from next week deduct in pin money.
"Mom, at the back of my choosing a method! " spent two week " close cling to cling to " after the life, tong Tong got every week afresh 20 yuan pin money, "She is big at that time Shu Yi tone, tell me to say -- ' mom, the time with little pin money is really uneasy, I must draw a lesson later! ' "
The expert is commented on
A lot of parents may feel Ms. Chen is right the limitation of daughter pin money too too slashing, but the only way that money is not female care of expressive two pairs. To returning the children at elementary school phase people for, they do not have clear understanding to money, of parents blindly coddle, can let them form only " I want, can get " such wrong idea. Lack the control of pair of money and desire as a child, after be brought up, when they have independent ability to gain income, accomplish the life that program ground treats him very hard.
To elementary school phase, especially for the students of low grade, from pin money proceed with, it is a when undertake money business is taught good way. Nevertheless, be in when them when indisposition appearing on beautiful money, blame or parents ought not to be used is jussive snout, with lukewarm mood help they undertake an analysis, offer plan to solve a problem for them, just be good processing way.
Dot people easy generation from numerous psychology, limitation of the exceeding on pin money often can let them appear in the association with the classmate disagreement group, self-abased even psychology. Because this parents are when the standard that makes pin money, also need to consider the student's average level, define reasonable range.
2, teach him child to earn pin money
It is besides the program of pin money, ms. Chen also hopes daughter a few " open a source " consciousness. Then, ms. Chen and husband discuss under, built for the daughter " domestic pay " mechanism.
Once, tong Tong puts forward to think the Duo that buys a new fund pulls cat of A dream machine, ms. Chen tells her, "This toy needs 200 yuan about, among them I and 150 yuan of father can pay for you, it is OK that will 50 yuan of yourselves of the others earn? It is OK that will 50 yuan of yourselves of the others earn??
Tong Tong nods agreed, to increase the daughter's interest, ms. Chen offerred a more favourable program -- every wash a bowl, ms. Chen writes down on 3 yuan pay to Tong Tong, "Such, your month can make 90 money, buy a toy quite not only, the cash that comes down more still can stay him to use. The cash that comes down more still can stay him to use..
"She still does not wear that moment quite cistern, stand on taboret, wash a bowl hard with puerile both hands, feel distressed a bit really. " Ms. Chen says. After a month, tong Tong got him " salary " , bought beloved machine cat toy together with mom. She puts this child proudly in her the head of a bed, whenever kin comes over to tell them can proudly, this is this works hard earn come. "Tong Tong is met ' the job ' these two words read aloud particularly aloud, I just meet this moment feel gratified truly. I just meet this moment feel gratified truly..
The expert is commented on
Offer a few jobs to gain the opportunity of pay for children, can foster their labor consciousness not only, also can make them clear, labor and job are a kind of way that wins income. Pay only, just have get one's own back.
A few children of abroad, early begins to work through all sorts of means make pin money, be like people familiar to the ear can the example of detailed is a god Buffett, he from very small when begin to promote beverage, send a telegram... for the parents to home, can be in children people the kind that a few create to cross labor to gain income for them inside the limits of in one's power. But the standard of work reward is unfavorable make exorbitant, lest children have fall feeling in reality.
3, send to the daughter " fellowship "
Of course, while money business is taught, ms. Chen also did not loosen what learn to the daughter to supervise and urge. "Tong Tong adores big list elder sister particularly, big list elder sister studies in the United States. One day Tong Tong tells me, after she also thinks of, the United States studies. " Ms. Chen tells Tong Tong at once, watch elder sister studies in abroad should spend many money, but because her achievement is outstanding, can obtain the scholarship of the school, such need not oneself pay a lot of cash.
"Oh, then I also should obtain scholarship! " word of Tong Tong gave Ms. Chen many edificatory, she is in of Tong Tong " salary is expressed " on new listed " fellowship " project -- if Tong Tong takes the first when take an exam to class, can win 50 yuan scholarship. "Father mother pays present fellowship for you, but later you maintain all the time go down, with respect to the scholarship that can win the school to send you, you also can gain more opportunities. You also can gain more opportunities..
The expert is commented on
To parents, use money serves as motivation, in order to achieve the goal that incentive children learns, not be a kind of very well-advised practice, create children's wrong study end very easily so.
The mechanism of this kind of fellowship of follow the lead of of Ms. Chen place, be worth parents to draw lessons from however. Now more and more institution of higher learing, those who include country, abroad famous institution of higher learning, gave very favourable fellowship plan for absorbing Caidoudi. Move the pattern of fellowship in the family ahead of schedule, can let children people in the future the prompt action of more recipient fellowship. But those who be necessary to point out is, parents are in follow the lead of when this kind of mode, should explain to children, it is parents is offerring scholarship for them at present, and coming to what what they need to strive for is the drive that environment place offers.
Phase of junior high school: Institutional charge to an account manages good fund
Conduct financial transactions teachs a subject:
● cost-of-living standard of every months how many? What content to contain? The specific economic atmosphere that can inspect every family and calm.
Does ● encounter financial difficulty how to do? Analyse the reason of the problem, reduce the expenditure of certain respect.
How does ● plan to use living cost? Can use the method of charge to an account, hold to for a long time.
How can ● let " Qian Sheng money " ? Open children account, understand the principle that accrual produces.
If ● chooses deposit sort? Understanding deposit time limit and accrual the relation of how many.
Xin Hua is the one 3 students at the beginning of the name, the game that he says to in one's childhood he likes to play most is " great rich " .
"My happiest hour nothing is more... than, the champion this month is being announced in game is... " shine when the honorable aperture in game on the head of that fictitious character that operates in oneself when, "Feel very successful to feel! " and in actual life, although just go up first 3, xin Hua has solemned is his financial chamberlain.
1, charge to an account learns at the beginning first
Enter junior high school, father undertook with respect to He Xinhua " formal " chat. "Learn to begin from inside go up, I paid expenses with respect to the life that can dominate my. " Xin Hua tells a reporter, control oneself when the meaning that all lives pay expenses, besides the cost-of-living defray in tuitional, home, parents gives Xin Hua 400 yuan cost every months. Spend in this forehead in, book of daily expense of Xin Hua, study and the defray that learn articles for use are by him proper motion is controlled.
Inchoate moment, xin Hua objects. "I am not dot, is this bit of thing still done? " but soon, xin Hua suffers from the intention with respect to the fine that experienced parents.
"Party of that streak classmate is very much, everybody likes collect to have chaffy dish together, sing sing card to pull Ok. " the Xin Hua with easy skill always also is happy to be being grabbed bury sheet. Come down 9 times, 400 yuan when Xin Hua discovers him already remnant Debuduo.
Then, xin Hua began people to envisage in the business that the schoolgirl just can do -- charge to an account. "Myself designed to get Excel form simply, the item that produces the likelihood in living at ordinary times goes on the row, finish in the evening everyday time reviewing was nodded to spend what money today with respect to the flower after the homework, knock one by one go in computer. " Xin Hua says, "The gain with electronic the biggest table can have statistic at any time namely, such I cost be clear at a glance to what had happened. " the consciousness that had charge to an account, formed naturally also to the program of defray.
The expert is commented on
Enter the child of middle school school, often have a place " young adult " state of mind. Although their intelligence still does not have complete maturity, but the individual character that they hope they have independence very much, and be social place approbate. Xin Hua's father very this kind of psychology that is good at capturing adolescent, used the educational means of a kind of open mode, birch allowing a surname experiences the space that gives his to parents.
For female to this age Duan Zi parents, they yearn for esteem adolescence the desire of ego space, ground of make the best use of the circumstances undertakes money business education is very important. If use limitative method onefoldly, control their pin money, the result that reachs since fares badly instead.
In children people when Wu of independence management Zhang encounters difficulty, parents also need not break opportunity ground to offer a few proposals and way, teach them a few methods that improve financial standing.
2, the bank account that opens him child
"Whenever the Spring Festival, I also have the money given to children as a lunar New Year gift with not little brushstroke. Go up before junior high school, money given to children as a lunar New Year gift should hand in parents. But since after beginning to become financial housekeeper independently, father also puts authority to give me, can manage oneself money given to children as a lunar New Year gift freely. " inchoate moment, xin Hua's target is to use money given to children as a lunar New Year gift to buy a Psp to oneself.
But father gave Xin Hua a few proposals however, he took the deposit receipt introduction of account of a piece of children from the bank, he tells Xin Hua: "If keep money given to children as a lunar New Year gift in children account, can write on oneself name, also mean you to be able to be had like the in that way asset in great rich game, although not much, but this can be the assets with real brushstroke, still can get accrual get one's own back. If you just bought Psp, pass a few days to play be disgusted with throw aside, good of it doesn't matter. Good of it doesn't matter..
Be expenditure or saving? Under balance, xin Hua chose latter, "I want to become the champion of true great rich fortune in the life. " in father accompany below, xin Hua had the first bank account that belongs to his. Nevertheless, when choosing what kind of deposit to plan, father gave Xin Hua to choose a topic together again.
"He tells me, bank deposit has different sort, when ceasing to Fu Li, interest rate is different also. For instance current deposits money, interest rate is very low, but its advantage is can extract at any time, when if I want,spending money, can take from the bank at any time. But time deposit is different, its interest rate is higher than current, defect is to should expire talent draw money. Defect is to should expire talent draw money..
Xin Hua chose finally 3 years period time deposit, "Because pass first of one the first semester take exercise, I already gave my living cost at ordinary times via learning to control parents, I do not need this bank savings temporarily. Await me to want in those days, I attend high school after 3 years, perhaps this money to moment I can send big use. " Xin Hua tells a reporter, had put in his own account now enough 6000 yuan, "I like photography, spend period of time again, I can buy a sheet to turn over camera with my money. I can buy a sheet to turn over camera with my money..
The expert is commented on
Taking children people go engaging service of a few banking, let them experience the fun of deposit and results from which, also be this age paragraph, parents can have a of money business education serious content. For instance children account, it is a kind of very good method, see oneself are the host of account, children can have a kind of very cheerful experience.
In this moment, parents need not break opportunity ground to popularize the ABC on a few finance to children, adopt the measure of computation and example, let the difference that they exist between product of clear and different banking, give them the chance of the choice.
High school phase: How does study investment start
Conduct financial transactions teachs a subject:
From where does ● study investment start? Stock risk is higher, fund is better choice.
How does ● open investment account? Understanding opens the process of account, learn the skill such as the operation on the net.
How is psychological disease overcome in ● investment process? The attention overcomes blundering psychology, train the good state of mind of the calm.
How does ● lend money to others? Need lending money pays cost, understanding loan is initial knowledge.
What did ● earn money to be done later? Help oneself and help others, develop correct fortune concept.
In the eye of everybody, laopan is a very enlightened parent undoubtedly. He is small to the son circle in the air the requirement is, in class achievement is advanced 15, the business that oneself like can be done completely in amateurish time. Small circle in the air from on high school begins, show to investment gave very large interest. To this, laopan does not object, still undertake introductory conciously instead.
1, teach the child institutional loan
As a child small circle in the air the children account that had oneself, arrived every year when Spring Festival He Xiaoxiang spends birthday, elder people give " red bag " , small circle in the air can not move the ground one minute to be put into bank account.
But, small circle in the air be opposite it seems that loan (information, product, forum) do not have special consciousness. Last year year end when, small circle in the air want to buy computer of a notebook, he tells me, oneself have a few deposit, but if buy the word of computer to still differ 3000 yuan, he wants to lend this pen money to parents, provision arrived the Spring Festival when return them.
"Say honest, I am quite glad at that time, the son had had independent consciousness, want to shop with oneself deposit, is not to stretch his hand to want money to parents. " nevertheless, laopan or ground of make the best use of the circumstances tell small circle in the air, parents can borrow money to give him, but small circle in the air must pay certain interest.
"Pay interest even? " confront a son indissoluble, laopan takes the room in the home to borrow (information, product, forum) will cite case, "Fang Xiangyin is bought to go in the home (information, forum) the loan that applied for 300 thousand yuan, why should the bank borrow money to give us? Because they want,be from which collection loan interest. We return a room every months to borrow 2000 yuan in, having one share is the interest that gives a bank. " the data that old Pan He Xiaoxiang examined loan interest rate from the net together, if the son can pay accrual to give father and mother with the annual interest rate of 5% ,put forward, can borrow money to give him first.
"Small circle in the air calculate, he can be returned with money given to children as a lunar New Year gift after two months on the money that lends us, altogether needs to pay 25 yuan interest. " small circle in the air feel accrual does not calculate much, promised Laopan's requirement readily.
The expert is commented on
The lifestyle of credit has permeated each corner in our life gradually. Unripe to high school people for, they are brought up in the future adult, the likelihood needs to apply for to aid learn loan, housing loan, when they do poineering work, need poineering loan possibly still... accordingly, if have equal opportunity, engraft to them the knowledge of respect of a few credit also have not cannot.
What cannot 25 yuan of money perhaps calculate to parents, but from inside experience of this kind of life, parents can let children people the experience with personal generation -- the world will do not have free lunch tomorrow, use the fund that does not attribute oneself, must pay fixed cost.
2, familiar " Qian Sheng money " means
Small circle in the air having very large interest to investment all the time, as a child circle in the air after getting id card, laopan is being taken small circle in the air went handling formal bank account, the product that begins to introduce a few investment conciously gives him.
Inchoate moment, small circle in the air be very interested in the stock, but Laopan feels the stock invests and do not suit small circle in the air this age layer. "I tell him, investment share need is right the market, right industry and undertake a lot of analysises work, he has the school work that the teacher assigns, still need complement the integrated quality that the knowledge of a few extracurricular improves him, should not frying on beautiful what energy. " the opinion that the son approbated Laopan, proposal of old nevertheless Pan Ye is small circle in the air might as well can invest proceed with from fund, because fund invests to basically be operated by the expert, oneself do not need to give so much energy.
Laopan introduced the book of field of a few investment to give him, let small circle in the air the knowledge of a few investment that begins to comprehend fund. For small circle in the air get the door, laopan showed plasticity ground to invest a fund with 1000 yuan, "Everyday the net value that I can bring him to examine this fund from the net in the evening, treat the growth condition that I invest 1000 yuan this. " a month comes down, small circle in the air put forward oneself to also want to buy a fund personally, "I teach him how to open fund account, how to turn with the bank on the net Zhang, but it is by him oneself complete an operation entirely. But it is by him oneself complete an operation entirely..
Nevertheless, small circle in the air also caused Laopan in the blundering psychology in investment take seriously, "Occasionally fund net value goes up high, he is met particularly glad; Net value drops come down, he is not happy. " see this kind of case, laopan tells small circle in the air, the meeting on investment market has a lot of cannot beforehand the risk of appraise, have go up to have surely drop, do investment to be about to make the psychological preparation of good deficit, only such ability gain more opportunities. Slowly, small circle in the air staring at fund net value closely to be not put no longer, the state of mind that learned to use a calm however faces investment, half an year comes down, small circle in the air investment also has behead to obtain quite.
The reporter is commented on
High school is born to had matured with each passing day, id card can be obtained after 16 one full year of life, this also raised economy capacity to offer a chance further for them. In this moment, parents are OK the ability according to oneself, the measure that introduces a few investment timelily and method give children.
Below the premise that does not affect filial study, parents still can create the platform of harden oneself of a few practice for them, make them personal understand different investment product, redound and risk are different. Be invest and not be a spec, the guiding of this kind of state of mind is in education of business of high school unripe money is very important also.
Nevertheless, on investment education, parents ought to teach students in accordance of their aptitude. Resemble small circle in the air it is a child that is interested in investment quite, the parent can have a few education more; If your child does not have enough interest, parents also ought not to spoil things by excessive enthusiasm, bring adverse effect very easily otherwise.
University phase: Manage money to begin richly independently
Conduct financial transactions teachs a subject:
How ● becomes independent and to how ● becomes independent and arrange living expenses of every months reasonably? The society is effective " reduce expenditure " a lot of little skill.
● what channel can open a source? Through family education, part-work and part-study system, do poineering work etc, fellowship is " gain both honor and money " good channel.
How does ● use credit card correctly? Reasonable overdraw, but do not become " card slave " .
How does ● undertake calculated invests? Use the means that asset configures, the attention controls a venture.
Whether does ● need to undertake ensuring for oneself? Begin to know safe sort and effect from accident and medical treatment danger.
"I come to Shanghai read an university from Jiangsu. Condition of the economy in the home is general, every month gives pa Mom 800 yuan of my living cost, tuition and accommodation cost also are by the burden comes in the home. Although still do not have economic independence, but I always feel I go up from the age for, be adult after all, oneself are the student with big money, still be consciousness of a bit active conduct financial transactions usually so. " Xiaoxie is university of Shanghai finance and economics big 3 students, she told about the experience of conduct financial transactions during him university to us.
1, consumption: Reasonable control for the best thing to do
"Some classmates spend money to do not have sex of in a planned way very much beside me. For instance the small beauty of our dormitory, from living cost is taken over there parents, often have a fried dish next, and buy snacks, adorn taste and clothings, arrived every time by the month finally a few days, the time passes very miserably, can take bit of convenient side only, do not boil occasionally lend money to us even.
My flower money is more abstinent. Normally I every chapel takes money from bank card, go out to shop with the classmate, the word that has pocket money does not take 100 yuan of big paper money, because once was opened,I discover a piece of 100 yuan fund, very easy flower is gotten into thin air. " Xiaoxie says.
"Classmates say I am a more substantial person. Buy a book for instance, I am bought through the network as far as possible, a lot of moment can reach the discount 7 fold lower even, buy much still can earn integral to change privilege. Still have the school annual June, secondhand book can sell when 4 students graduate greatly, the book that resembles intermediate oral interpretation and tape I am clean out from old bookstall those who come, the value that elder sister of division of senior fellow apprentice gives is very favourable.
Xiaoxie introduced a few him lives to the reporter in " reduce expenditure " little skill, "Return wanted on the telephone check, I also am the discount is bought to lead highest long-distance card around the school, do not let parents be called, because parents uses the fixed phone in the home,hit long-distance should use discount card to hit than me expensive give several times. My mobile phone is M-zone uses formula of month of Wangbao of feeling region big toe, suit me so short information is much, tell short-spoken student a group of things with common features.
The expert is commented on
◆ and middle and primary school are unripe different, because the undergraduate is accommodation life, although daily living expenses originates parents, but had arrived the level that item of spending of each yuan of money, every brushstroke must govern independently by oneself, accordingly, reasonable control and arrangement consume defray, the reasonable allocation that what learn pair of money and use, society " reduce expenditure " , had become a course that they must face.
2, make money: "Knack " many good laws
Besides the life consumption should undertake reasonable control, the undergraduate also can make money through oneself, will improve oneself life quality, or it is to be what will enter social him scrape up henceforth " the first pail of gold " .
"To our undergraduate, family education is a the most general kind of profitable means, so I also once should cross family education to student of junior high school, go up twice every week, one two hours 40 yuan, a chapel has 80 yuan, be equivalent to me almost 1/2 of weekly living cost. But my discovery goes making teaching in home between extraordinary take time, want a many hour back and forth above all from my school, want to need two many hours in student home, altogether should cost 4 hours, amount to comes down my hourly income is not 20 yuan when that parent says actually, however 10 yuan. Place comes later, I did not hold to that family education. Return old home in cold summer vacation however when, in oneself two children that kin gives in the home leave coach class, a month is done, my family education gross income had exceeded 2000 yuan, this money I am OK him assemble came down.
Additional, price of sex of family education money earns to compare during I feel to earn fellowship to also attend class than be in taller. For instance, I obtain a second-class scholarship is 1500 yuan, earn is easier than teaching in home is being made in Shanghai. More important is, fellowship is belonged to " fame and gain " double close model, apply for a job in the future, there is the fellowship of higher order and degree on resume, also can add cent for oneself. Also can add cent for oneself..
The expert is commented on
◆ undergraduate conduct financial transactions, actually also nothing more than " broaden sources of income and reduce expenditure " 4 words. A source of the undergraduate is main come from part-time job of after school time. The opportunity of a few part-time jobs often can be offerred in the university now, origin has common information to be versed in frequently aid learn the office, student union and mass organizations, still have edition of Bbs part-time job, the pluralistic opportunity that nevertheless they offer has a characteristic each. To the undergraduate, should have already recommend oneself, the courage that tries hard, also want to choose appropriate platform, ability finds the pluralistic opportunity that suits his, in reasonable arrangement school work while open up exchequer, cast off economically right complete dependence of parents, gain rich social experience.
◆ still compares popular partnership to do some of dicker in university campus nowadays, include to send snack box the meal, still have open foreign trade dress to sell inn, schoolgirl act the role ofing to taste small shop to wait, but need more capital support so. If oneself are old of scrape up " case-dough " insufficient, need possibly to be sought in order to lend credit side type to parents " financing " . Also can learn like small Xietong same, go up in school work through oneself and the excellent performance in class wins scholarship for oneself, the undergraduate with domestic economy poorer condition still can apply for to aid learn loan wait.
◆ of course, the undergraduate cannot destroy health of body and mind to make money, "Open a source " want to notice at the same time: It is not to want to pay close attention to a few penny that gain currently too, important is study and experience are accumulated; 2 was to earn a few money to also be not spent, want to have proper stockpile, can use in the moment of truth so, the capital of a bit investment serves as when perhaps having an opportunity; 3 because the undergraduate makes money to basically rely on to sell his time,be, spend money very hard will make money, because this shoulds not be excessive.
