The child went to school. This event changes a lot in family life - the regime, duties, habits. As well as financial ratios. It was the beginning of the first class is logical to coincide with the start of the issuance of pocket money
Schoolboy comes from a family of the world with its usual economic system and faced with the fact that the money has to spend himself, for example, in the school cafeteria. You can start later, but most importantly, realize that whether you like it or not, your offspring to appear pocket money. This, above all, a question of education. And along with pocket money and there are questions.
1. How to prepare your child's
Tell him about the money expenditure of rules adopted in the family. For example: "We are not buying harmful products." Not the fact that the child does not disturb them, but it is an occasion for another conversation.
Budget planning and dispensing select a specific day of the week, such as Monday. If the child is not enough, and he begins to ask for more, I remind him that on Monday he will get on a schedule.
Discuss with your child deemed to be his expenses. Some of them will be required (eg, at school lunches and transportation), some - on request (for example, toys and sweets). It is important to let him know that desire can be limitless, but the money very quickly come to an end. Therefore, we first need to spend pocket the mandatory reserves, and on the desire and pleasure - only that which remains.
2. How much money to give
The total size of pocket money - mandatory spending plus the amount "to desire." On the one hand, the money should not be too much, on the other - the child should have the freedom of choice. To keep things really, limit the amount that you are spending on his desires. For example, in a shop, he asks you for chocolate. Instead of paying for the chocolate from her purse, you say that he has his money and he can dispose of them at its discretion.
The next level of treatment with pocket money - to teach a child to distribute them to several "envelopes".
- One - obligatory needs and desires.
- The second - a piggy bank for future large purchase.
- Third - what can be sacrificed for the good deeds.
5 urgent questions about the children's pocket money / istockphoto.com
3. How often to give pocket money
The first pocket money to give your child the best every day. It is important that he felt the process. Then move on to the weekly issue and planning. Older child, especially if he already has experience in planning and controlling costs can be issued once a month pocket.
Important to regularly to develop the habit of constant money management: receive, plan, spend, save.
4. Where to store pocket money
You should begin with the cash. Of course, today it is not the most modern method of payment. But for a better understanding of the process of exchange of money for goods and services, the child should feel their reality, to feel, to know what they look like. Only after passing the stage of cash, you can open a bank card.
We need a separate purse, which is better to choose with your child.
It is important to explain to him the cash storage and use rules to talk about swindlers and warn of the dangers.
5. How to learn to budget
From the first moment of the issuance of pocket money explain to the child how to budget: record income and expenditure. You can use the notepad to start a financial blog or download the application, for example, Monetkiny designed for children. It is important that children understand their responsibility: parents trust him to dispose of the money. And this is not a game.
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