Training children's financial intelligence and understanding and understanding of "wealth"
to cultivate the children's financial business and to understand and understand "money". Mother sounded the financial world's son 8 year old financial business,.2011, 01 month 07, on 07 days of children's financial and business training, is a relatively strange field of many families at present. My major is economics, so I am also concerned about children's understanding and learning of wealth. Just sometimes very puzzled: how to cultivate children's understanding of money, money, material, economy, finance, and so on in life..
I have seen this article, I have a lot of income, now attached to the space with everyone to learn, experience..., practice... ~
mother sound earthquake son 8 year old financial business
Lin Manyun, a financial elite who is active in famous international banks such as standard chartered, Citigroup and HSBC, and also a mother with tender love. Lin Manyun is now the managing director of the retail banking department of China Standard Chartered Bank (China) Ltd., a senior management position in Citigroup, HSBC and other well-known international banks, and deals with "finance and economics" every day. She knows how the financial business has an impact on the life of the people.
then, when her son was very young, she gave the child a unique financial education with his own unique perspective: the love of parents to their children was not to inherit wealth to the next generation, but to teach their children the right outlook on wealth and values. The youngest son is only 9 years old now. He has his own salary and bonus, and he knows how to manage his own consumption desire. Lin Manyun confidently said, with his son's financial quotient, he will not enter the "moonlight clan" after 20 years.
savings is a virtue
- save the pocket money for the "year-end award"
children's financial and business education begins with the management of pocket money, the most realistic and most effective. We must let children have access to money, which is very important for their future life, but after they understand what money is.
- Lin Manyun
in 2000, with the arrival of second sons, Lin Manyun's shoulder was loaded with a heavy burden on her mother. The mother's greatest wish is to let her children grow up healthily and happily. When the little boy went to primary school, all kinds of toys in the family had everything, so he could open a small toy shop. Lin Manyun often sighs with other parents around him: "now the children are too happy to have wind and wind, rain and rain."
in the year when his son was in primary school, Lin Manyun was deeply touched by a thing beside him. A friend's son was admitted to a famous university in the United States. The boy has been used to spending money for a long time. After going abroad, he simply takes his parents as a "cash machine" to ask for money at home. Not only that, but also the credit card is often brushing. Later, the boy could not afford a ticket to return to the country because of the debt.
in the story of a friend's bitter heart, Lin Man Yun realized that to satisfy his children's endless desire for consumption would harm him. Lenovo to the "moonlight clan" who made thousands of flowers, the dandy "rich only three generations", Lin Manyun thought, the youngest son is 8 years old, it is time to teach him how to use money. Of course, first of all, let children understand what money is.
one day, the little son came home from school and reported to Lin Manyun. "Today I see a super cute Altman at the toy store. I want to buy it, but I have no money." Mom, my classmates all have pocket money. Can you give me some pocket money, too? " Looking at his son's red face, he was filled with yearning. Lin Man Yun moved in his heart: "well, mom is thinking of giving you pocket money." How much do you want me to give you? " The son had not thought about it yet. Lin Manyun suggested: "you go to class to do a survey to see the students' wealth level". And then we'll talk about it, how? " The son said well.
second days, the son went home to report the survey results: "Zhao Xiaoxiao is 7 yuan a week, Li Yang is 4 yuan a week..." After discussing with his son, Lin Manyun gave a price quote: 5 yuan a week. Mother and son agreed: the right to use the money is decided by him himself. Big expenses such as birthday gifts, clothes and so on are still paid by parents.
for the first time to get pocket money, his son was in a great mood, and the second day began to enjoy the "economic autonomy" of his mother's delegation. However, it doesn't work well. On the third night, when he was having dinner, he blinked his eyes and said in his mouth, "why do you say this 5 yuan is so useless?" Lin Manyun could not help but laugh. The son plucked up his courage and said, "Mom, if I discuss with you, can I advance the pocket money next week? I have spent the money this week. " See him poor Baba, she wanted to promise him, but still cruel: "no, we have pulled the hook, say a good week, can not go back, the words to count." Seeing her son's face lost, she comforted again, "you are already a big boy, and many things can be decided by yourself. But if you spend your money ahead of time, it's your own decision. You have to take responsibility for your decisions. " After
, Lin Manyun didn't expect that his son should have the habit of keeping accounts. When he was young, he would have "calculated" to live. Lin Man Yun could not help feeling that his painstaking efforts were not in vain.
Lin Manyun wants his son to know that saving is a virtue. So, she gave her son a password box: "if one year, 90% of the money saved, mom will send you the" year-end bonus. " This fixed amount of money and incentives to raise the money system, stimulate the children's interest and motivation to manage money, the son began to learn to control their own desire for consumption, with the remaining pocket money, put them in the money box.
encourage labor to make money
- the driving force of a bicycle -
money is not only the learning of money, but also the learning of money and money. Not only to tell children how to spend money, but also to let children earn their wealth through their own efforts, so that children will treasure their income.
- Lin Manyun
when his eldest son was in middle school, he did well in his studies, and he still worked for money. On the day of pay, he bought a bicycle to reward himself. Looking at his brother's triumphant appearance, the youngest son envied, "if only I could make money to buy a car, that would be great." Lin Manyun's mind glimpses: it's time to encourage children to earn money by labour. "Do you want to make money, too?" She asked her son. The son nodded vigorously, but his voice was dim. "Who will pay me?" "Mom gives you a hair!"
the enthusiasm of his son was immediately mobilized, and after consulting Lin Manyun, he made a Excel form listing the "working" items: washing up, sweeping the floor, reading extracurricular books, practicing the piano... Lin Manyun set salaries for each project: washing dishes at 5 yuan a week, practicing piano 10 yuan a week.
usually it's easy for parents to wash their dishes, but it's not easy for children to shake hands. "Alas!" A slippery hand, the bowl fell on the side of the pool, broken. Seeing his son's face depressed, Lin Man Yun gave him the urge: "Mom's first time was like this. It's okay. Just do it earnestly. There's nothing you can't do." Gradually, the son overcame his fear and his arms and legs became bad. After a period of experience, his son cooked, swept the floor and washed dishes, and all the household chores were well done.
weekend, grandma is coming to dinner. The little boy helped in the kitchen early in the morning, picking vegetables and washing dishes, just like a chef assistant. When Lin Manyun's mother-in-law entered the room, she exclaimed: "ouch, how can you let the children do this? He's so small! " Before Lin Manyun could explain, the little boy answered loudly, "sweat your own sweat, eat your own rice, and rely on the earth to lean on your ancestors." Seeing grandson's proud look, grandma did nothing to say.
according to the type of work listed in the table, children do a tick. Not only do we learn two jobs, but we can do work and rest. At the end of the week, the son took the form to check out with Lin Manyun. A month later, the child had a monthly salary of 100 yuan.
after having tasted the sweetness, the son's energy is more sufficient. Half a year later, he finally got his wish, he wrote in his diary, "today I finally have a new bicycle, which I bought with the money I earned, and I want to cherish it."
money with
- learning to manage consumption desire
let the children work hard and understand the difficulty of making money, and cherish the income of labor. This kind of correct idea infusion can prevent children from becoming moonlight clan.
- Lin Manyun
after having their own money, the child begins to have a concept of money, but he will treasure it more. He used to buy things and want to see good, but now he will think carefully, whether this thing must be bought now; if you have to buy it, you will also choose to buy a discount.
Lin Manyun was conscious of his son when he went shopping to let his son have a chance to understand the market, and the second children had their own preferences and opinions, and they should give him the right to choose. Gradually, the son bought clothes to form a theory of his own: his own clothes were chosen by themselves; only the right ones were not bought; not all the clothes were branded, and the cheap clothes could wear out their personality. Lin Manyun is proud of the fact that 9 year old sons show less rational and calm children of the same age, not only the three, but also the rational management of their desire for consumption and shopping in accordance with actual needs.
once, son and Lin Man Yun went to the mall to buy shoes. Two pairs of shoes were exquisite and unique. When she was going to buy the two pairs together, her son reminded her, "Mom, only buy one pair according to the plan, and the other is not late when the other season is discounted." Lin Manyun was embarrassed to say that she suddenly realized that parents should set an example by themselves, and major consumption should be implemented according to plan.
on the way home, she repeatedly praised her son, saying that he must be a good financial manager. Unexpectedly, the son was not happy because his mother praised him. Instead, his mood became very low. He walked along, and tears began to spin around his eyes. Lin Manyun didn't know why. He quickly asked him what was wrong, and his son said it. When he left the shoe store, his son heard the salesman of the shoe shop talking about him: he is a real little guy. When he grows up, he must be a small fan. Lin Manyun hastened to comfort him: "aunt did not know you, that's what I said. This is not a stingy, but a waste. You see, every summer vacation, we go to the poor mountainous areas to visit our younger brother and sister. You never hesitate to take all your savings to support them. You are very generous. Mom said that money should be used on the knife edge. You did a good job. It doesn't matter what others say. The key is what you think, and the most important is to be rich in heart. A guide from Lin Manyun made his son laugh at his tears.
Lin Manyun has a chance to teach the children basic financial knowledge, what is the interest, the difference in the country's currency, the opening of their own bank account, and teaching them to contact the Internet bank. "The Spring River Plumbing duck prophet", children's knowledge of basic financial knowledge is always faster than their peers. "Why can't we use RMB abroad?" "Why is there a exchange rate?" For every reason, she thought it was a great opportunity to educate her son. Once the family went to Europe to travel. In the supermarket, his son picked up a bottle of mineral water and put it down. He said, "1 euros are equivalent to 10 yuan, and you can buy a few bottles in Shanghai." The 9 year old son has unknowingly converted the exchange rate.
the old "little master" broke the pupa butterfly, as if it had matured overnight. One Sunday afternoon, Lin Manyun sent his son to learn Taekwondo. He said he would go home after class. However, it was getting dark and left and right did not see his son return. I didn't know where he went when I called my son's classmates and teachers. Lin Manyun was in a hurry, and walked back and forth along the way of the class several times without seeing the child. Under the helplessness, we had to go home and wait. At seven, the son came back at last. Lin Manyun was angry and anxious. He asked, "where have you been?" Do you know that we are all worried about you? " The son stood at the door, and suddenly came up with a charming rose from his back. "Mom, happy mother's Day!" This is the cheapest but beautiful flower I've been looking for in several streets. " It turned out that after class, the son went to his mother to buy a gift for mother's day. Because the Rose Rose generally at that time, 20 yuan a branch, he transferred several streets, bought the good quality and inexpensive, 10 yuan money one rose. At that moment, Lin Man Yun's heart was warm. She was very pleased that her son finally grew up.