树立孩子一生的金钱观 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 dont teach children about money because they think they shouldnt talk about money with children, dont have the time, or think they dont 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 childs 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 childrens differences into account.

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

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