樹立孩子一生的金錢觀 Teaching Children Money Habits for Life

The life-long benefits of teaching children good money habits make it well worth the effort. Children who are not taught these lessons pay the consequences for a life-time. Some parents don't teach children about money because they think they shouldn't talk about money with children, don't have the time, or think they don't have enough money. Parents should take the time to teach children about money regardless of their income and should start when children are young.

Most people have strong feelings and opinions about money, based on childhood experiences and the values and beliefs of their families. Most often, these experiences, values, and beliefs are different for each parent. It is vital for the healthy development of children that parents talk about these feelings and opinions and establish a consistent approach to teaching children about money.

Here are some guidelines parents can keep in mind as they begin the financial socialization of their children:

Guide and advise rather than direct and dictate how the child's money should be used.

Encourage and praise the child rather than criticize and rebuke actions taken.

Allow children to learn by mistakes and by successes.

Be consistent while taking children's differences into account.

Include all family members in money management discussions, decision making, and activities as appropriate for their age.

Explain to children what they can and cannot do and the consequences of violating the limits.

As children get older increasingly include them in discussions of limits and consequences.

Expect all family members to perform unpaid, routine household chores based on their abilities.

Express your desire to have things you can't afford. Children need to know that parents say “no” to themselves, too.

　　花些力氣教會(huì)孩子們良好的花錢習(xí)慣是非常值得的，因其帶來(lái)的好處是使他們受益一生的。沒(méi)有受過(guò)這些金錢教育的孩子們將一輩子為此付出代價(jià)。有些父母不和子女談?wù)摻疱X，因?yàn)樗麄冇X(jué)得不應(yīng)該和小孩子談?wù)摻疱X，覺(jué)得沒(méi)有時(shí)間，或者是認(rèn)為他們沒(méi)有足夠的錢。作為父母，不論他們的收入如何都應(yīng)該花時(shí)間教導(dǎo)子女有關(guān)錢的問(wèn)題。

　　大部分人對(duì)金錢所持有的固有的感受和看法都是基于兒時(shí)的經(jīng)歷以及家庭的價(jià)值觀和信念。多數(shù)情況下，每個(gè)父母的這些經(jīng)歷、價(jià)值觀和信念都是不同的。父母談?wù)撨@些感受和看法并建立起一條前后一致的樹立子女金錢觀的途徑對(duì)于孩子的健康成長(zhǎng)非常重要。

　　父母在同子女進(jìn)行金錢交流時(shí)應(yīng)該記住以下幾點(diǎn)：

　　引導(dǎo)和建議而不是指揮和命令孩子如何花錢。

　　鼓勵(lì)和表?yè)P(yáng)孩子而不是批評(píng)和指責(zé)孩子的行為。

　　允許孩子們通過(guò)失敗和成功來(lái)學(xué)習(xí)。

　　在考慮每個(gè)孩子的不同特點(diǎn)的情況下，保持（觀點(diǎn)和方法的）前后一致。

　　讓每個(gè)家庭成員都參加與其年齡相適應(yīng)的金錢管理的討論、決定等活動(dòng)。

　　向孩子們說(shuō)明什么能做，什么不能做以及超出限制帶來(lái)的后果。

　　隨著子女的成長(zhǎng)，更多地讓他們參與關(guān)于限制及后果的討論。

　　期待每個(gè)家庭成員都無(wú)償?shù)刈鲆恍┡c他們能力相符的家務(wù)勞動(dòng)。

　　表達(dá)你對(duì)買不起的東西的渴望。子女需要知道，父母也要對(duì)自己（的需要）說(shuō)“不”。