HOW TO TEACH CHILDREN THE IMPORTANCE OF SAVING
I remember that, since very small, my mother told me: you have to learn how to save so that you always have! That phrase applied it to everything, for example if we untábamos cheese bread-cast was without excesses, not by stingy but because I wanted to show me things have their price. From a very small gave me a piggy bank pig where I was putting my coin-shaped.
Put attention to these tips to help.
Establishes a pay monthly or weekly. So learn to manage their money, as they have to do parents with your paycheck, you have to face all the household expenses.
Is suitable that the children will realize that money is limited and that if they choose to spend it on one thing, they are giving up to use it otherwise. So will learn that they must think well what spending it and use it properly.
Explain from where comes the money, of the effort to do the parents each month to get it. You must create awareness in them to have money you have to work so hard and so we must not waste it.
Teach them to create a budget based on your pays monthly and review it with them to the end of the month.
Sign the monthly expenses is a good way to better control the money, and to realize the amount of expenses that we do on a daily basis without giving us.
Talk of the advantages of saving and the important thing is to tell with a mattress for contingencies.
Teach them the difference in value of coins and banknotes through games. You should also explain that what you pay with a card, even if it is a piece of plastic, is still money.
To make them see that money carries a effort associatedor, you can make the next game: when they need some extra money for a toy, for example, explain that as an additional cost to their pay, they will have to earn it. To do so, should help you in a number of housekeeping and in return, give him that money. But eye, that this does not become a habit: must get used to spend what they have, not more.
Do you see the difference between the expenses and the superfluous. Children are very capricious and it is difficult to make them understand these concepts. You can use simple examples to let you see the difference. For example, explain to him that you can't go to school without dress - necessary expenditure-, but yes it can go without always bringing the latest model of brand sneakers - superfluous-.
The best advice, as always, is to lead by example. Children learn everything and copy the behaviour of their parents, so on one hand you talk to them the importance of saving, but you can't prove it with your own saving, will be difficult that you create.
informative!
Congrats for the text! It's very informative and it remind of when my father always said that to me. But he never followed his own advices. lol