This kind of poor child is so terrible

Suppose you take your child shopping and the child takes a fancy to a very expensive toy and forces you to buy it, but there are already a lot of toys at home. What will you do at this time? ① I muttered a few words, but I couldn’t stand the child’s fussing and crying, so I bought it anyway. ②Say bluntly: \”If you don\’t have money at home, don\’t buy it!\” ③Tell your children: \”It\’s okay if you want to buy it. Let\’s plan together how much your weekly pocket money is and how long you need to save, and then we can buy it. .\” Among the above three options, which one would you choose? 9 101 ways to raise outstanding babies through 1-minute education. Mobi chooses the first one. Regardless of whether the family has money or not, children are treated more leniently, which is a kind of material \”richness\”, but it is also easy for children to develop a spendthrift attitude. Habit. Choosing the second option, directly ignoring the child\’s desires and suppressing his wishes will lower the child\’s expectations for life and material things. If things go on like this, the child may form the idea of ​​\”I don\’t deserve it.\” Choose the third one to guide your children to manage and control money correctly, and use limited money to satisfy a few of the most important wishes. Since raising children, I have found that parents really need to have the ability to \”money\”. Because children’s wishes are endless. When they see something they like, they want to take it home. But after all, our strength is limited and it is impossible to satisfy every wish of our children. Rejection is inevitable. But when we stop our children by bluntly saying \”no money\”, \”can\’t afford it\”, \”too expensive\”, what does he hear? 1: Be careful of raising a child\’s heart to be poor. Ever since she opened a toy store downstairs, the most common thing Bu Niu said to me was: \”Mom, I want this.\” Those 5- and 10-dollar gadgets Son, can I really not afford it? of course not. However, when children want to possess things endlessly, no matter how cheap things are, one day I will not be able to afford them. Therefore, many parents \”cry poverty\” and do not buy for their children, not because they are really poor, but because they are worried. I worry that my children don’t know how to cherish, I worry that my children will develop the habit of spending money, I worry that my children don’t know how to exercise restraint, and I worry that my family budget will overrun. However, blindly using \”can\’t afford it\” or \”the family is poor\” to prevent children from buying or buying, although the effect is immediate, the impact is far-reaching and long-lasting. For example, some netizens said that when they were young, they only wore old clothes worn by their mothers, which led to excessive frugality. When they grew up, they were reluctant to buy good-looking clothes, and only bought clothes that did not fit or look good but were on sale. Some children develop a low self-esteem when they grow up because their wishes are never fulfilled. Even if you are rich, you are poor, and you can afford to spend things, but you are reluctant to treat yourself better. Children who have been told that \”their families are poor\”, \”have no money\” and \”can\’t afford\”, what they hear is \”I don\’t deserve such good things\” and \”I don\’t deserve what I want\”. After hearing these words too much and getting used to them, the child will become timid and unconfident. When they grow up, they are either extremely frugal and reluctant to be nice to themselves; or they go to the other extreme and buy things out of revenge, whether they need them or not, as long as they like them. Therefore, it doesn’t matter if we are poor materially, what we are afraid of is that we will raise our children’s hearts to be poor. If we don’t have to cry about povertyIf there is no way to prevent children from buying, how can we make them sensible and consume in a controlled manner? After all, if you buy this unnecessary toy, there will be the next one, and the next one, and the cycle will be endless. 2: Cultivation of financial intelligence affects children’s life-long happiness. In fact, today’s children have been exposed to money very early, and they have much more contact with it than we did back then. Not only will they point to something in the mall and say, \”Mom, I want to buy this.\” They may also use your phone to play games and place an order or recharge without you paying attention. Even if you beat and scold, the child still doesn\’t understand, why can\’t I spend money? Why can I buy that but not this? Their habit of spending extravagantly and impulsively has not changed. This is because children live in a wealthy material life but fail to develop the ability to control money. That is, the ability that can affect a child’s lifelong happiness—financial intelligence. Robert Kiyosaki mentioned in \”Rich Dad Improves Your Financial IQ\” that there are 5 types of financial quotient, and we can consciously cultivate our children\’s abilities in 5 aspects. ①The first type of financial intelligence: make more money. You might say, are you kidding me about letting your children make money? It’s really not a joke. Children can’t make money, maybe because we don’t want to. In the financial and business picture book I took Bu Niu to read, there was a story about a child making money. The boy Qiuqiu likes to buy toys and does not cherish his own toys. In order to let Qiuqiu understand that making money is not easy, grandma took him to pick up bottles and sell them for money. Qiuqiu felt embarrassed at first, but his grandma told him: \”There is no shame in making money through your own labor.\” It was through the process of \”making money\” that Qiuqiu understood that it was not easy to get money. There is a girl in fifth grade in our community. She told me that she often writes poems and submits them for publication in newspapers. I asked her, how much does it cost to publish an article? She replied: \”20 yuan per article, but I will also rent out the books I bought and collect rent. I earn my monthly pocket money by myself.\” You see, it\’s not that children can\’t make money, It\’s just that we are not keen on business opportunities. ②The second type of financial intelligence: keep your money. If a child has no concept of money, it will be difficult for him to keep his own money. When he grows up and makes money, he may spend it uncontrollably and not know where the money is spent. We can cultivate the habit of keeping accounts in children from an early age. For example, give him a fixed pocket money every month or week, and then let him record every expenditure by himself. Through the income and expenditure details, children can clearly see which money should be spent and which money should not be spent. With such an awareness, children can slowly learn to manage money and use it wisely without being extravagant or wasteful. ③The third type of financial intelligence: budget your money. When we give a child pocket money, we can ask him: \”How do you plan to allocate this pocket money?\” Children often have no idea about this. He may say to buy snacks, stationery, or favorite gadgets. Then when it comes time to actually spend money, there is no plan at all, just buy what you want and wait until you finish spending. At this time, we can teach our children to make plans: \”Mom thinks, you can use one-third of this money to buy stationery, one-third to buy snacks or small toys, and the remaining one-third can be saved.. Think about it, if you can save a little money every month, how much money will you have in a few years? \”Teaching children to plan is to improve their ability to control money, and to develop a sense of storage from an early age, so as not to become a \”moonlight\” person. ④ The fourth financial quotient: leverage your money. When the child has a certain amount of savings, we You can teach him how to \”make money with money\”. For example, go to the bank to buy some basic products, or put a certain treasure to get some extra income. ⑤ The fifth financial quotient: Improve your financial information. In fact, if the child understands the previous aspects Once done, his financial ability will be very high. As the child gets older, he will need to manage more and more money, and his ability requirements will become higher and higher. At this time, we can buy Some basic books allow children to master professional knowledge and continuously improve themselves. With knowledge at hand and good habits developed since childhood, children will be more confident and calm when facing money in the future, and will not be easily trapped by money. You Will you cultivate financial intelligence in your children, and how do you usually do it?