Pocket money for children

But opponents of the pocket money are confident that until the child grew up, everything necessary should ensure its parents.He is not yet able to make informed choices, so you must get rid of such responsibility.Also, too frequent delivery of money will be the reason that the child will grow up spoiled, moody and unable to restrain their "volition."

So every parent should he seek a middle ground on the issue: to give or not to give pocket money.

The success

Money - the eternal cause of disputes.Sometimes even adults can not agree among themselves.In the matter of issuance of pocket money there is no single rule for all.However, there are two very sound advice.First advice - do not give the child the money until it has grown to independently dispose of them.The second - the extradition procedure should be simple and does not cause the child any doubts.

optimum age

No need to give pocket money until then, until the child is six years old.No hurry, since small children are not yet ab

le to understand the value of money.They see no difference between 10 and 100 rubles.

However, some parents are convinced that the issue needed to start when a child starts to show interest in money as a means of trade.The signal to be questions: How many "not expensive"?Why it's worth less than what?If a child is ready for such "why" you need to start training.Each child that age a: someone thinks about money in 3 years, while others - in 7 years.The main thing - do not miss this moment.

Basics of financial literacy of parents

How to find psychiatrists, giving the child a fixed amount of it should be immediately forgotten, without controlling it, what he spends it.Such a method teaches children to plan their spending and independence.However, partial control is still required, as children, especially young children, are still too abstract, what is the value of money.Control the spending needed implicitly, without forcing them to be counted for each ruble spent.Strict control over purchase, comparison of price tags and receipts deprives the mere possession of pocket money every sense."Nonsense," to which the child spends paid in cash, they are those exclusively in the representation of adults, while for children it is a very important acquisition.

amount needed to issue more than once a month, and every week, as the time a child reaches extremely slow.

issuance of money should not depend on the behavior of children.The character should be formed at the expense of other levers of influence.Regular penalty non-extradition of money can lead to the development of personal qualities such as flattery, flattery and hypocrisy.

exact amount

about the amount that will be given pocket money, parents agree among themselves individually.It depends on the child's age and capabilities of the parents.Of course, it is worth considering that the financial needs of a teenager higher than a first grader.

enough for first 50-70 rubles a week for savings or personal expenses, although 70 rubles - that's a lot.In some families, the practice of giving teenagers to 1500-2000 rubles per month, but in view of the fact that these guys will spend the money on gifts for their friends, going to the cinema, bowling or computer clubs.And they must be retained as part of the savings.

Another option - to give children money on a weekly basis in accordance with their age.Experts note that the 6-8 year old children the average size of payment is 120 rubles a week, for 9-11 year olds - 200 rubles, for 12-17 year olds - 500 rubles.

Or, you can manually distribute the amount of 50 rubles starting from 6 years of age and every year it has increased by 50 rubles.

Articles consumption

Once you have agreed with your child about the regularity and amount of payments, it is necessary to discuss the issue of expenses.In addition to the movie tickets, the child can pay for school lunches, buy pens and notebooks.But teens are already able to pay for clothes, accessories for the computer or telephone and mobile communications.

Question savings

If your doshkolenok or junior high school student receives a weekly flat fee, the first money that he sees in his hands, he is sure to immediately spend.You should not interfere with it, let him feel significant, despite the subsequent purchase of disappointment or tears.Let the first fiasco show the kid the consequences of extravagance.It Teach your child to save and save, which is very useful to him in the future.

Explain that the amount received, not necessarily spend all at once.On the contrary, a few coins a child can put a piggy bank, and do so every week.At the same time you need to save for a reason, and on "something."To stimulate the process of accumulation of mom and dad, too, can participate in this, tossing a coin box in any detail.

Accumulation child teaches patience and financial discipline, which will be useful in the future.

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