When you start \”talking about money\” with your child, he is already better than most people

Previously, \”3-yuan down jacket\” was a hot search topic, and the actual selling price was 35 yuan. The consumer group was mainly middle-aged and elderly people, and sales of tens of thousands were already made. Later, some young people reorganized the \”down jacket\” market: No. I can’t afford down jackets, but military coats/flower-padded jackets are more cost-effective. Comments from netizens: It’s good-looking and cheap, and it’s still something people of my parents’ generation can live by. Finally, I understand the reason why my parents \”made very little money, but still managed to save money.\” Chinese parents are not good at talking about \”money\” and even feel that they should not let their children be exposed to \”money\” too early. This habit continues to this day. After having children, although our family spends money every day, we keep silent about it. However, when the children grow up to a certain stage, they will blame them for \”not knowing how to cherish\”, \”spending money indiscriminately\”, \”vanity\” and \”having money\”. \”Comparison mentality\”…Children, this is very unfair! How can we solve family conflicts? Our generation has experienced a lack of resources and is in awe of money. Many people only come into contact with a small amount of disposable funds for the first time when they board in high school or leave home to go to college. Their understanding of money is very shallow, let alone their understanding of \”business\” and \”investment\”. When I work and earn wages, I spend what I should spend and save what I should save. I don’t understand “financial management” at all. After learning this lesson, we realized that money education should also occupy a place in family education, so that children can understand money as early as possible and lay a solid foundation for financial and business education. Have you ever talked about money with your children? Do your children know the family’s monthly income and expenses? Do children have any idea of ​​how money is earned and how it is spent? Before teaching children about money, parents should face up to their own views on money. 1. Don’t spend money for face or vanity. What many adults are pursuing is actually the standard of money in the social evaluation system. Even if you are not rich, you still have to pursue brands so that you can have face; even if your life is tight, you still spend money lavishly in the eyes of others; you can\’t look at the price tags generously when shopping; you don\’t dare to check out even if you get a \”** assassin\” Refuse; I want to have what others have… \”Wealth is not how much money is spent, but the money that is not spent.\” The \”Luxury Car Paradox\” mentioned in \”The Psychology of Money\”, when you drive a luxury car , hoping to gain respect and admiration from others. In fact, others only notice the luxury car and don\’t care who is sitting in the driver\’s seat. They will skip admiration and imagine how great it would be if they owned it. This is true of all our consumption and wealth, the less vanity, the more wealth. Money is our own and it is limited. It is up to you to decide what you want to pay for. 2. Get rid of money shame. As a stay-at-home mother, you dare not ask your husband for living expenses; you cannot be generous in pursuing salary at work; you are fooled into the consumption trap by \”just a cup of milk tea\”; you feel embarrassed if you don\’t lend money to others; you dare not spend money on yourself. Money…money is inherently neutral and is here to serve our lives. It can also be said that money is a tool that helps us do many things. Whether at work or at home, we should abandon \”money shame\” and talk openly about money. (1) Talking about money is not vulgar. In fact, talking about money should not be avoided in all relationships: work is to support the family and to live; working to make money is not a chore, but a way to provide for oneself.By overweight. Even if you are a stay-at-home mother, it may seem like a move without a price tag, but it actually has a price tag behind it. For families, this is also a job that requires time, labor, and energy, and deserves a \”reward\”—money, respect, and recognition. For the mother herself, she needs to weigh which option is more worthwhile in terms of lost work experience accumulation, companionship with her children, and dedication to the family. No matter how you choose, the fare is not a punishment, it is not worth the injustice or anger, it is a price worth paying. This consensus between husband and wife still needs to be there. (2) Don’t feel guilty about spending money, but let money serve us: only buy the right things, not expensive ones; don’t let emotions influence consumption; don’t let yourself make ends meet; try not to spend ahead of schedule; keep accounts of money and review it regularly ; Spend money on improving yourself and maintaining your ability to make money. (3) Saving money is not stinginess, but a kind of foresight to be prepared: when your savings ratio is high enough, you can have more room for error. The most important part of planning is to plan for when your plans don\’t keep up with changes. And saving money is the working capital of planB and planC. (4) Don’t use “spending money” to replace the effort you should put in: As long as I buy a sports suit, I can have a good figure; as long as I buy a brush, paper, easel, or even search for “should I buy an iPad to learn painting?” , I can learn to draw; as long as I enroll my child in a class, he can learn ** well… Spending money cannot make people better, only hard study, accumulation, summary, reflection, and persistence in hard work can make people better. Teach children to understand \”economics\” in daily life 1. For young children, you can teach them about currency and use money to buy simple goods. Every transaction, whether it is electronic payment or cash payment, scanning a QR code or paying paper currency, is exchanging one\’s own money for items, and exchanging value for value. 2. Take your children to the supermarket and pay attention to the price tags of each product. What are the principles when choosing products? For example, what is the approximate price of a piece of chocolate of similar weight? Why are some expensive and some cheap? What are the selection criteria? 3. When you receive the goods after online shopping, you can unpack the express delivery with your children and talk about what you bought, which are daily necessities, which ones your family wants to buy, and what proportion each of them takes. 4. Attend a flea market or experience setting up your own stall. As a \”boss\”, how to choose products, how to control costs, how to price your own products, experience this process. 5. Distribute the monthly income with the children, which should be spent on necessary items, which should be saved, and which should be spent. 6. Giving your children pocket money allows them to use their “new year’s money” on their own. Let your children experience spending randomly and shopping around, and experience spending without restraint and spending in a planned way. 7. Things in life that seem free actually have a price. When we were children, we were curious about why we could watch cartoons and TV series when we turned on the TV without charging us any money. When I grew up, I realized that TV stations rely on ratings to attract advertisers. Today’s TV and video software have the same logic. The pizza shop will set up a free children\’s play area, and there will be one in the supermarketFree food tasting, free scenic spots around the city…all are to attract traffic and achieve the purpose of selling \”goods\”. 3-year-old can identify coins and understand their value. 4-year-old can use money to buy simple goods. 5-year-old can understand the relationship between money and labor. 6-year-old can count larger amounts of money and establish the concept of savings. 7-year-old can understand product price tags and identify himself. Do you have purchasing power? At the age of 8, he can think of ways to earn pocket money on his own. At the age of 9, he can make his own money plan and be able to buy and sell independently. At the age of 10, he can be exposed to various financial products with the help of his parents and is familiar with the concept of \”money begets money\”. Take children to learn about finance. Business books about what money is, how it comes from, and how to use it, the book explains it better than we do. For ordinary families, the \”economics\” scene in life is still simple and basic. If you want to understand \”money\” comprehensively and deeply, you should learn it from books and then get it from practice. We have read such books as \”When Little Animals Get Rich\”, \”Economics Comes\”, and the more famous \”Puppy Money\” and \”Rich Dad, Poor Dad\”. You can choose according to the different reading needs of your children. In a text \”Thousand People Cake\” in the second-grade Chinese textbook, the father answered the children\’s doubts about the name of \”Thousand People Cake\” and told the children that \”an ordinary piece of cake has to go through the labor of many, many people before it can be placed in front of us.\” \”. In fact, many, many people\’s labor aspects affect the pricing of this product. The fruits grown at my grandma’s house only cost one yuan when sold to others, but the same fruit we saw in the fruit shop sold for seven or eight yuan. Flour costs 2 yuan per catty, and when made into noodles, it becomes 3 yuan per catty. With some ingredients, it becomes 19.9 yuan per catty to make biscuits. The final price of a product includes many aspects, including raw materials, transportation, packaging, preservation, manufacturing and processing, sales, personnel, etc. This is how our society works. A sentence I heard recently: \”My view on consumption: I spend a lot of money digging around.\” It sounds funny at first, but it\’s actually quite heartbreaking. For every family with children, this sentence is undoubtedly more appropriate: Who is raising a \”gold-eating beast\” who is not searching (for themselves) and spending money (for their children). Children are used to seeing other people\’s glamor on the Internet, and are used to living a life without worries about food and clothing, but they ignore the more ordinary lives that ordinary people live. Children need to know how much it costs to buy a lollipop, and they need to know that the food on the table every day is actually \”priced.\” The most ardent expectation of ordinary parents for their children: I exchange time for money. I hope you study hard and exchange money for free time in the future.