What happened to children who have not got pocket money since they were young?

There is a hot topic on Zhihu: What is the experience of pocket money from small to major?

Some people say: "I have lived in the state of‘ others have me ’. I have inferiority when I grow up.”

Some people: "In the eyes of adults, pocket money is equivalent to spending money, so I can only save money and lie."

Some people say:

"After growing up, my money collapsed.

Now that I am very sensitive to money, I am very tired, and I am very tired. I am also a sense of security and do not trust them.

If they are good to me, I will feel very hypocritical. "

Nowadays, more and more parents know that they should respect their children's psychological boundaries and leave them to them.

But at the same time, few parents can teach healthy money to their children.

They think that the child is still young, what kind of pocket money is needed?

If you want to buy, just tell your parents. If you develop the bad problems of spending money, you will lose money.

In fact, for children, pocket money not only represents their current happiness and happiness, but also affects how far and high the children can go in the future.

When I was young, I was envious of those children who had money in their pockets and felt that they were so happy.

On the way home from school every day, when they see their favorite cards and candy, they always take out a few coins from their pockets, pat it hard, and then hold up their thin breasts:

"Give me a popsicle, the kind of chocolate."

Watching him eating popsicles satisfied with satisfaction, his eyes exuding a happy light, and the children around him envious.

In the eyes of young children, the child who came to the road, the children in their pockets were really happy.

They can buy what they like, they can gain the worship of other children, and they can do their best to help other children in need.

It is said that money can bring people with peace of mind and confidence, which is the same for children.

Although the child's circle is small, it will also encounter many things and relationships that need to be dealt with.

If you have money, you will relax and relax your child.

Just like in the TV series "Juvenile School", Lin Miaomiao said when looking for pocket money to find his mother:

"Children also need money to press their pockets, so that their bodies can stand up.

What I miss is the happiness and freedom of choosing. "

Mel Linda Gates also mentioned in an interview that if the child becomes very stingy, it must be because they do not have enough money to dominate.

What the children are eager to own is not the money itself, but the joy of sharing food and toys with friends. It is a sense of accomplishment that can control life and can have a sense of "big wealth".

"Free Children's Most Consciousness" said: Letting children have a sense of abundance, so that he will have more sense of happiness and security, and it is more conducive to the child's health concept of money.

Among the small pocket money, the child's happiness and peace of mind are hidden. The refraction is their richness and security of their hearts.

Child education is a comprehensive system. Only in comprehensive, balanced, and multi -angle education can lay a solid foundation for the child's future growth.

But unfortunately, at the moment, many parents are wealthy and wealthy businessmen. They always think that prematurely talking about money is not good for children. When they grow up, they will naturally understand.

Such cognition is a bit biased.

Harvard Professor Harvard has made financial business, IQ and EQ into the three indispensable quality of modern society.

Give children pocket money not only to buy them what they like, but also to teach children how to get money, use money, allocate money, how to balance money and desire.

This meaning is much higher than the money itself.

At the 2018 Buffett shareholders' meeting, a 8 -year -old girl Daphne "became famous".

She asked: Why do many investment deviate from your early light asset investment?

Buffett thought carefully, and then replied honestly: You really asked me this time.

Many children of the same age are still coquettish in their parents, eating snacks carefree. When watching the cartoon, this young girl who has a immature face has stood at the peak and became the company's shareholder.

Her achievements come from the financial and business education given by her parents as a child.

When she was 5 years old, she started reading Buffett's biography and sold lemonade in the park to earn pocket money.

From a young age, we have given money to make money education, so that they can understand the meaning of obtaining and lost, and how to make cost -effective choices. Such children will not be bad in the future.

With money, understanding, and making money, this process is also the process of adopting righteousness, high self -discipline, obeying the rules, and expanding the field of vision.

This process is not only the polishing of time, but also the accumulation of abilities, but also the pavement of the future.

Some parents will worry that children are small, and after pocket money, will they spend it messy?

A mother in Australia is worth learning from.

She asked her 14 -year -old daughter Olivia to take care of her family finances and promised her daughter. If she had more than this month, she could be freely dominated.

The happy daughter began her financial management work seriously.

She first carefully analyzed the consumption structure of the family, reduced a lot of unreasonable expenditures, and optimized a lot of living habits, such as saving water and turning off the lights during the day.

It is not a simple matter to teach children to know money and use money. Among them, it contains the great wisdom of parents.

1. When will it be given?

In an interview, a reporter asked Buffett: "Do you think that parents can talk to them when they are how many years old?" He replied, "The sooner the better."

After research, the University of Madison of the United States has found that children have different sensitivity at every stage of growth, and the best time to conduct money education during elementary school.

☆ 3-5 years old: Teach children to understand the meaning of money.

☆ 6-7 years old: cultivate children's purchasing power through a small amount of pocket money.

☆ 8-9 years old: Let children know how to spend money and save money correctly.

2. How much?

As for the specific amount of pocket money, it can be determined according to the age of the child and the actual needs of the family.

The young children give less, such as ten yuan, older children, can increase appropriately.

But there are three points to pay attention to:

☆ To discuss with your children the amount and frequency of pocket money, do not give too much frequency.

☆ Parents must take the initiative to make pocket money a happy thing.

☆ To adhere to principles, we cannot overdraw, and in special circumstances, you need to treat it special.

3. How to use?

After the child has pocket money, it is the key to guide them to use correctly.

In this process, parents' guidance and help are required.

Similarly, three aspects need to be paid attention to:

☆ Respect children's autonomy for money.

☆ Give your child a chance to try and error, don't criticize, but let them understand why they are wrong.

☆ Teach children to distinguish between "want" and "necessary", and learn to balance the relationship between money and desire.

The book "Chinese Children's Money Education" divides the development of children's money awareness into six levels:

In the first floor, there is no awareness of money, thinking that money is a kind of toy. On the second floor, the hazy money consciousness, only know that it can be used to change things. On the third floor, simple money awareness will use money to buy things. The fourth layer, complex money awareness, recognize the multiple exchange functions of money. Fifth layer, comprehensive money awareness, recognize the material, spiritual, and social functions of money. In the sixth floor, innovative money awareness realizes that money can become more and more.

Starting from childhood, money awareness will accompany every day they grow.

In fact, the essence of pocket money for children is to allow children to treat "get" and "lose" correctly.

Only those children who have pocket money in their hands and have a wealth of financial management will be at ease, practical and happy.

May our child:

When you have no money, do not inferior and work hard to make money;

When you have money, do not spend the money, try to save money;

When you are rich, you are not complacent, and your efforts are better.

Author | Xia Xiaoyu, a senior financial woman who loves life, has the only two ideals in this life, a pen and a beam of light.

Picture | Network (if there is any infringement, please contact delete)

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