The poor are poor, the rich are rich

Chapter 91 4 Teaching Children Money Management Like Playing a Game
Chapter 194 Teach children to manage money like a game
A banker's son converted to Christianity after earning his Ph.D.The incident hurt the Jewish man deeply, and despite the frequent visits of his two grandchildren, he remained morose.

One day, the banker saw two grandchildren playing cards and asked them what game they were playing.

"We're playing with the banker's money," said Sun Tzu without hesitation.

Hearing this, the old man was overjoyed: "My grandson is still in my blood!"

The Jews pay attention to money and believe that money is the almighty God in reality.Money is extremely sacred in their eyes, but when earning money, they regard money as a very fun item, making money like playing a game.

In fact, when parents teach their children how to manage money, they can also regard money as a fun thing and teach children how to manage money as a game, as the Jews did, and integrate financial management knowledge or concepts into the game process.

Arguably, parents play multiple roles, sometimes as teachers, when it comes to developing their children's financial skills.Sometimes collaborators.Sometimes even playmates.Simply preaching may not have the desired effect at all, so parents should learn to infiltrate their children with financial management concepts little by little during the process of playing with their children, and the effect will be better than earnest teaching.

Let's see how Wenwen's grandma did it:

I read books about children's education, saying that when developing intelligence, we should also pay attention to emotional intelligence and financial intelligence.Emotional intelligence refers to the way of getting along with people. I don’t know much about financial intelligence, but since I have my granddaughter Wenwen, I have also started to try to develop her financial intelligence.

After Wenwen was two years old, he was able to understand the value of currency and knew how to buy things with money.At this time, I decided to provide her with financial and business education on recognizing money, knowing money, spending money, earning money and saving money in due course.

Recognize the money.When Wenwen was two years old, he would throw whatever he was playing with, sometimes even money.I told her: This is money, and it is the labor income of my father and mother, so we should cherish it.

spend money.After all children are sensible, they will know that money is a good thing, which can be exchanged for food, play, clothing, and use, but how to make children have a clear and rational determination of spending money and establish some relatively correct concepts is very important.

When I buy snacks for Wenwen, I often ask her to pay for it herself.For example, buying cream ice cream, fruit juice, yogurt, etc. is 1 yuan per serving, and I tried to ask her to pay for it herself: if she wants to buy 1 serving, she will pay 1 yuan.Going one step further, if you give her 1 yuan, she also knows to get 2 yuan back.To buy ordinary popsicles, you can buy two for 1 yuan. She eats one for herself and gives me one.

know money.When Wenwen was 3 and a half years old, he once liked to pretend to be a salesperson, selling everything in the house and learning how to bargain, while I played the role of customer.

"Wenwen, how much is this thing?"

"1000 bucks!"

"It's too expensive! Can you make it cheaper?"

"Okay, how much do you say?"

"One dollar!"

"Okay! Here you go!"

make money. Wenwen went to kindergarten when she was 4 and a half years old. She knew that her father and mother went to work to earn money every day, and sometimes she would say, "When I grow up, I have to go to work to earn money!" Work to earn money.” So, Wenwen and I packed up the cans and juice bottles at home, took them downstairs to sell to waste collectors, and exchanged money for small food.From then on, Wenwen took the initiative to save these things and sell them for money, and learned the meaning of "exchanging waste products for money".

save money. At the age of 6, Wenwen started to go to preschool. Her family gave her lucky money during the Spring Festival, and her mother sold a piggy bank.I told Wenwen, "The money will belong to you from now on, and you will control it. But you have to pay attention to saving, and grandma will check the accounts at the end of the year." As a result, Wenwen bought a small ledger and recorded every consumption in the ledger superior.At the end of the year, I joined her mother to "check the accounts": not only was there no deficit in the accounts, but there was also a surplus of 215 yuan.I raised the requirement again: "Your tuition and miscellaneous expenses should be borne by yourself." As a result, from the first grade of elementary school to the graduation of junior high school, Wenwen's tuition and miscellaneous expenses and pocket money were all paid by herself with the lucky money.Sometimes we let her decide what to buy.

From the experience of Grandma Wenwen, I believe that parents can get enlightenment: In fact, the financial education of children does not necessarily have to be very deliberate, which may arouse children's resentment.Teaching children how to manage money can be permeated into daily family life. A word, a small matter or a small game are all good opportunities, and children will gradually form good financial management habits.

(End of this chapter)