什么时候开始教孩子储蓄?｜育儿谈之理财篇

#教孩子“理💰”,
#离不开“储蓄”二字‼️🤑
#什么时候开始教孩子储蓄❓
#就从“零用钱”开始吧！
Elly分享，零用钱是一个最佳引导孩子理财的切入点。
#零用钱是孩子理财的关键资源。
“#没有零用钱的孩子根本没机会去学习储蓄和消费"。
Elly从小学开始给孩子们零用钱，还设定一个小银行给三个孩子记账。
她以循序渐进的方式去给孩子零用钱，例如：从每一天、每个星期、整个月、甚至到大学时期是一年一次性把学费和生活费交由孩子处理。
过程中，三个孩子对储蓄与金钱的定义不一。
#夫妻俩从中以各自实践的经验去引导孩子们对金钱的概念。
有了零用钱，才能发动孩子金钱管理的引擎。
Elly 共勉之💕
𝗪𝗵𝗲𝗻 𝘄𝗲 𝘁𝗲𝗮𝗰𝗵 𝗰𝗵𝗶𝗹𝗱𝗿𝗲𝗻 𝗮𝗯𝗼𝘂𝘁 "𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗺𝗮𝗻𝗮𝗴𝗲𝗺𝗲𝗻𝘁",
𝗶𝘁 𝗺𝘂𝘀𝘁 𝗵𝗮𝘃𝗲 𝘁𝗵𝗲 𝗰𝗼𝗻𝗰𝗲𝗽𝘁 𝗼𝗳 "𝘀𝗮𝘃𝗶𝗻𝗴𝘀"‼️ 🤑
From where should we start teaching the kids to save❓
𝗟𝗲𝘁’𝘀 𝘀𝘁𝗮𝗿𝘁 𝘄𝗶𝘁𝗵 "𝗽𝗼𝗰𝗸𝗲𝘁 𝗺𝗼𝗻𝗲𝘆"!
Elly mentioned that pocket money is the best entry point to guide children on financial management.
Pocket money acts as a key resource to teach about financial management.
"Children who do not have pocket money get no chance to learn about saving and expenses."
Elly started to give her children pocket money since elementary school and set up a small banking record to keep financial accounts for her children.
She uses a step-by-step approach while giving them pocket money. For example: starting from daily to weekly, then slowly move towards monthly. By the time they go to university, the sum of the yearly tuition fees was handed over to the child.
Through the process, parents get to observe the different financial behaviour and perspective on each child. Elly and her husband used their own practical experience to guide the children about concept of money.
𝘾𝙝𝙞𝙡𝙙𝙧𝙚𝙣 𝙘𝙤𝙪𝙡𝙙 𝙤𝙣𝙡𝙮 𝙨𝙩𝙖𝙧𝙩 𝙩𝙤 𝙡𝙚𝙖𝙧𝙣 𝙖𝙗𝙤𝙪𝙩 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙢𝙖𝙣𝙖𝙜𝙚𝙢𝙚𝙣𝙩 𝙬𝙝𝙚𝙣 𝙩𝙝𝙚𝙮 𝙜𝙚𝙩 𝙖 𝙙𝙚𝙜𝙧𝙚𝙚 𝙤𝙛 𝙘𝙤𝙣𝙩𝙧𝙤𝙡 𝙤𝙫𝙚𝙧 𝙩𝙝𝙚𝙞𝙧 𝙤𝙬𝙣 𝙥𝙤𝙘𝙠𝙚𝙩 𝙢𝙤𝙣𝙚𝙮.
Let's all learn together 💕