Does your child spend money lavishly? Is your child extravagant and wasteful? If so, then you need to give your child a piggy bank, suggesting that your child will save it when he has pocket money, which can cultivate his conscious saving habit.
Why do many children develop the habit of spending money and become a new generation of "shopaholics"? The problem is mainly with us as parents. The child has too much pocket money. Whether it is New Year's Eve money, or the pocket money given by parents, or the pocket money secretly given by grandparents, children have a lot of money at their disposal.
When children were very young, they had no concept of money. They just imitated the behavior of adults and gradually formed the habit of spending money. If we can teach children how to manage money when they are just sensible, children may change spending money into managing money, and restrict their spending behavior to avoid unplanned consumption.
Roosevelt was the only president in American history to be re-elected for four terms. He not only governs the country but also teaches his children well.
Roosevelt was very opposed to his son's dependence on his parents and never gave them any additional support. When the eldest son James was in college, he traveled to Europe with his classmates. In Europe, he fell in love with a horse, so he bought it with travel expenses, and wanted to travel on horseback to advertise to merchants. To this end, he telegraphed his father to send him money so that he could go home.
If you were Roosevelt, what would you do? You might think: The child is far away in Europe and it is too difficult to go out, so send him the money. I believe most parents will choose to send money to their children. With the first time, the child will have the second time. If you go on endlessly, there will be a time when you can't meet your requirements, and the child's habit of being big-handed has long been developed. President Roosevelt didn't think so. He sent a telegram back to his son.
The telegram said: "Congratulations, you made a profitable investment. If you lose, I suggest you swim back to the United States!" After receiving this telegram, James knew that his father did not agree to spend money at will. In doing so, I quickly sold the horse and returned to the United States by boat with my classmates.
After returning home, his father gave some of their brothers a jar, telling them that this is a piggy bank. If there is extra money, put it in, make a plan to spend the money, and reserve funds for their future careers.
From then on, the children not only learned to be independent but also learned to manage their savings in a reasonable plan.
Giving your child a piggy bank will allow the child to curb the idea of spending money, arouse the desire to save money, and develop a conscious saving. When children see more money in the piggy bank, they will have a sense of accomplishment and will suppress their desire to spend money even more. In addition, they can establish the concept of saving first and then consuming. If children have things they want to buy, it makes more sense to save money. An economist suggested that children should be encouraged to set short-term goals so that they can save pocket money so that they can buy toys, books, and school supplies in two or three weeks. Wait, then let the child turn to a bigger goal, save money for a few months, or even save it for a year, to achieve the bigger goal. The economist also said that the method of saving is to allow children to see hope, to make children feel that their goals and progress are not far away from them, to put their goals on their goals through savings, and to let them control their own consciousness through goal hints. Spending behavior. The most important lesson children need to learn is to be responsible for their own expenses.
To give children a piggy bank is to help them understand how to be responsible for their own consumption through the suggestive effect of the piggy bank, and learn to better finance their finances.
Suggestive education classroom
Giving a piggy bank to a child implies that the child should learn to save, arrange his pocket money reasonably, and consume it reasonably.
Regarding reasonable savings, there is a best-selling book in the United States called "Children, No Pie in the Sky". When talking about the principle of savings, the author Godfrey pointed out: Children can put their pocket money in three jars.
The money in the first jar is used for daily expenses, buying the “necessities” seen in supermarkets and stores.
The money in the second jar is used for short-term savings to accumulate funds for the purchase of "Barbie" and other more expensive items.
The money in the third jar is kept in the bank for a long time.
This method clearly distinguishes the uses of pocket money, which is more conducive to the development of good savings and financial management habits for children.
For young children, we can give them one or several creative piggy banks based on their curiosity and thirst for knowledge. For example, it can be the piggy bank of the child's zodiac sign, which makes the child more friendly; it can also be a high-tech mini ATM teller machine piggy bank, which can deposit, withdraw, set, _ check balance, modify password, etc., simple operation Steps make saving for children very interesting. Under the enticement of the creative piggy bank, it is possible to cultivate the good habit of saving consciously.
Communicate more with your child, remind your child what he can buy with the money he saves, and motivate him to save money through goal hints.
When a child slowly saves a dime and a dollar, he can also deeply feel how difficult it is for the money to come so that he can better understand the hardship of his parents to make money, and the child's habit of conscious saving will gradually start.
The "piggy bank" not only stores the child's pocket money but also implies that the child forms a correct view of financial management and stores life's worry-free and happiness.