3.
How can parents help kids have a healthy relationship to money? Well, here are good ways you can teach your kids about money. Firstly, talk about money with kids. Kids always want to know more about money and tend to ask questions about it. Besides, it’s important for us to tell them information about family finances (财力). This will help kids understand what it actually costs to pay for thins the family has and how money works.
Secondly, give children money to manage on their own. An allowance (零用钱) helps kids learn to save and spend money. However, once you decide on giving your kids an allowance, you’ll need a system to help them. Actually, you can divide the allowance into three parts and then put it into three different plastic containers: one each for spending, giving and saving. Dividing the money introduces kids to the idea that some money is for spending soon, some is for giving, and some is to be kept for when we need something later.
Thirdly, help kids learn to spend money in a wise way. It’s a good idea to teach kids about making good use of their money, too. Research shows that spending on experiences tends to bring more happiness than spending on goods, and we can talk to kids about testing out this idea themselves. Have them check in with you months after a purchase to report how much they still use and enjoy what they’ve bought. Often, this teaches them that the pleasure of a purchase is flying by, while a pleasurable experience stays longer in their memories.
Fourthly, put kids to work. All kids should have chores (家务) at home, because it helps them build confidence, and reminds them that we’re all part of a family, and that we should be responsible for it. When kids get older, encouraging them to do part-time jobs to earn money can also be a great experience.
Lastly, get kids to realize that it is really important to give. If parents give, kids tend to give as well. However, you have to explain to them why giving money to help others is a good thing to do. For one thing, it is as a sort of duty, and for another, the amount we give away is a great predictor (预测) of how happy we are. Finally, teach them that communities are stronger when people know they can depend on one another.
How to help kids have a healthy relationship to money |
Passage outline |
Supporting details |
Talk about money with kids. |
◆ Kids are (81) ▲ about money so you should answer their questions about money honestly. ◆ (82) ▲ your family finances and the use of them with your kids. |
Let kids (83) ▲ money by themselves. |
Create a system where your kids learn to (84) ▲ money into three different parts. |
Teach kids to spend money (85) ▲ . |
Try to make your kids realize (86) ▲ are better worth spending money on. |
Let kids work. |
◆ Kids can become (87) ▲ and responsible by doing housework. ◆ Kids can get some part-time jobs to earn money. |
Teach kids the (88) ▲ of giving. |
◆ Make kids realize it is a(n) (89) ▲ to help others with money. ◆ Let kids know the more we give, the (90) ▲ we are. |