If he wants to have a toy，give him the money and let him hand the money to the cashier (收银员)．__2__When your child grows a bit older and understands the basic function of money，you can start explaining more complex ways of using money.

　　Money lessons

　　Approach money lessons with openness and honesty.__3__If you must say no to a child’s request to spend money，explain，“You have enough toy trucks for now.” Or，if the request is for many different things，say，“You have to make a choice between this toy and that toy.”

　　__4__

　　Begin at the grocery store.Pick out two similar brands of a product—a name-brand butter and a generic (无商标产品)，for example.You can show your child how to make choices between different brands of a product so that you can save money.__5__If he chooses the cheaper brand，allow him to make another purchase with the money saved.Later，you may explain how the more expensive choice leaves less money for other purchases.

　　A．Wise decisions

　　B．The value of money

　　C．Permit the child to choose between them.

　　D．Tell your child why he can—or cannot—have certain things.

　　E．Ask yourself what things that cost money are most important to you.

　　F．Talk about how the money bought the thing after you leave the toy store.

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