Primary school students talk about how to save pocket money at home. First, ask your guardian to open a current passbook on your behalf, write your name, and deposit the unused pocket money in it. You will find that the money deposited in the passbook is usually reluctant to be withdrawn. In this way, It can help you accumulate considerable income very well. Financial management for primary school students is not about interest but about daily accumulation.

(1) Establish children’s correct view of money

Step 1. Discuss frequently in daily life. The first step in letting children clearly distinguish the concept of financial management between "needs" and "wants" is to discuss it in life situations.

Step 2. Train children in accounting habits. Once you have the habit of keeping accounts, you can not only understand where money comes from and where it is spent, but you can also learn how to allocate and manage resources when resources are limited.

When children start spending pocket money, primary school students enter important stages such as senior grades or just entering "junior high school". Because their lifestyles have changed greatly, they must be able to keep accounts for at least one month, so that they can The consumption aspect of the new life enters the child's mind. Even if he no longer keeps accounts, the child will have the concept of numbers, which will also have the effect of keeping accounts.

Step 3. Monitor spending behavior together. When your child first starts spending pocket money, he will feel that he has become "independent" and may want everything. Therefore, you should have regular account book discussions with him to gain a clearer understanding of your child's financial management

Character, ideas, and then find opportunities to follow the guidance. Parents need to be persistent and never give money to their children just because they are soft-hearted and have spent their pocket money early. Children should be taught that when their finances are overstretched, they must learn to be patient instead of asking for money.

Step 4. Learn to set goals. "It's not about saving all your pocket money, but it's about good financial management." People will constantly face problems with money choices and planning throughout their lives. Therefore, it is important to help children learn to set goals from an early age and understand that delaying enjoyment can lead to planning and achieving goals. It will be of endless use. After children have basic financial knowledge, you can ask them questions, such as "We are going to the department store next week, what do you want to buy?" "We are going to the bookstore, but we only have a budget of 200 yuan, how do you plan to arrange it?" ? ""After the children set up a plan, they are further encouraged to think about how to learn to plan step by step within the "total framework"

(2) Effective methods for cultivating children's financial intelligence

Encourage parents and children to receive early education together, which can help parents understand their children's knowledge reserves in time so that they can cooperate in real life.

1. Talk to your children before they enter primary school. Take early education financial management classes together (3-4 years old)

2. Work with your child to make a budget for his school party (5-6 years old)

3. Make housework with your child

Activity reward list (7-10 years old)

4. Discuss with the child the amount of his monthly pocket money (11 years old)

5. Apply for his children's bank card together (12 years old)

6. Make a spending plan for a family short trip with your child (13 years old)

7. Choose a family with your child Insurance case (14 years old)

8. Open his own investment account with your child (16 years old)

(3) Let your children know financial wisdom early

In order to enlighten their children, Jewish mothers will ask: "If one day your house is burned down and your property is robbed, what will you take with you to escape?" ”

Usually children will answer answers such as “diamonds” and “money”, but the mother will say at this time: “What you want to take away is not money or diamonds. What you should take away is wisdom. "Because wisdom cannot be taken away by anyone.

The most important point of Jewish financial education is to cultivate the concept of delayed enjoyment in children, which means delaying the satisfaction of one's own desires in order to pursue a better future. Big rewards.

"I am a little financial manager"

Don't think I am a little baby,

I am a little financial manager.

He is an expert in financial management.

His financial management is no worse than that of adults.

Don’t be extravagant or wasteful.

Use your brain diligently and calculate skillfully.

See far and calculate accurately.

The province’s Save, spend what you should spend,

Don’t compare, don’t spend indiscriminately,

Scientific consumption is the winner,

Everyone praises you for being diligent and thrifty.