The first accumulation

child is still difficult to understand that the money - it's the equivalent of paper goods, services and comfort.However, avoid talking on this subject is impossible.The sooner you talk to him about finances, the faster it will start to cultivate rationality.After all, children are quite capable to imagine where the money come from and how they can get.

Experts say that since 3 years old baby should be explained that the amount of sweets and toys has limitations.A great example: show your child that the next packet of sweets is not bought, because he broke the car.The child understands that and sweets lose and not get a new toy.

Below - a few simple tips that, how to teach children to appreciate and save money.

turn everything into a game

best way to instill skill accumulation of money - to make the process fun.As in most cases, is a good example of parents is the most effective way so you do not hurt too involved in this game.

Mini Bank

Buy a child a toy piggy bank.Well, if you can not be

out of it to get the accumulated funds, when it wants.Some of them have a mechanism that swallows money and makes funny sounds.In short, the more difficult it is to get back coin - the better.

Piggy Bank - an essential attribute of parenting skills distribute financial flows.Explain to your child that only accumulated, you can get what you want.This will teach your child patience and economy.He must understand the relationship between toys and real "pieces of paper".

Every time record amount lowered into a piggy bank.After a month, offer the child an amount equal to that which he was able to save.This will create the necessary motivation.

Pocket Money

Determine the amount of pocket money that you will be given a child once a day / week / month.Let him earn.For pupils it may be working in the garden, in the yard, on the house.This is a good lesson so the children will understand that the money gets through hard work, and their waste - not too successful way of capital accumulation.In addition, it will help to develop children's pride and raise self-esteem.

Once you become a child to give pocket money to buy him stop all new toys, CDs, sweets.It is better to increase the amount of pocket money that he was able to save to the desired item.In addition, it teaches the child to separate the important from the secondary.

proceed to the next level

When a child has understood the principle of economy, it is possible to have a second piggy bank.First stay and will serve as a way of saving money on a variety of toys that the child can not buy immediately.The second piggy bank - a reserve fund.If the baby was a reward for the work, he learns to save half / third of the amounts for future expenses.At this stage, you can develop a child's financial stability and put the interest.To make a contribution, the investor receives the monthly interest.This can be explained in visual games with dolls and a bank.This game will show your child how to proceed "adult" financial processes and teach the vision and the ability to not niggle.

to try on the role of social

pobudet Let the child and the investor, and the cashier, and the borrower.Direct all his actions, explain that contributes to the growth of capital activities are not one person but a whole team.


If the child does not have enough willpower, and he spends the money right and left, and teach him to invest.Let your children will be an investment to enable them to observe and analyze the rise and fall of money.The Fall of the securities market - still a good lesson.It will also help the child to understand that the money can be nowhere to invest and save for the future.


teach a child responsibility and accuracy you can.For example, child is not removed in the room and throwing toys around the house.Hide the item and do not give a couple of days.Or offer to redeem for a nominal sum.This will bring up a child accuracy: he will understand that it is better to clean toys in place, you pay the money from her piggy bank.

ethical component

necessary to show your child that you can not be greedy.Offer him the money saved to buy gifts to relatives and friends.You also need to awaken compassion for people who need financial assistance.Participate with your child in charitable events.

living example

Explain to your child about the benefits of savings on the example of a particular person.Maybe it will be a story about a father who set aside one-third of the salary for a few years and then buy the desired "typewriter".

In short, the sooner you start talking about finances - the more savvy on this issue will be your child.

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