3 khái niệm cơ bản về tiền bạc cần dạy cho trẻ từ 0-6 tuổi

Truyền cho trẻ hiểu về “tư duy tài chính” sẽ dễ dàng hơn với 3 khái niệm sau đây.

Hiện nay, rất nhiều bạn trẻ dù chỉ mới ở độ tuổi 18, đôi mươi đã lâm vào cảnh nợ nần hoặc luôn trong tình trạng túng thiếu vì không biết quản lý tài chính cá nhân. Vì vậy, trách nhiệm của những bậc làm cha mẹ là không để tình trạng thiếu hiểu biết về tiền bạc, tài chính xảy đến với con trẻ. Thay vì né tránh nói với con về tiền bạc, hãy chỉ dạy cho các con những hiểu biết về tiền, cách kiếm tiền từ rất sớm để con hiểu rằng tiền không phải tự nhiên mà có, từ đó con cái sẽ có trách nhiệm hơn với đồng tiền, sử dụng nó một cách hữu ích.

Dạy trẻ từ 0-6 tuổi về các tư duy về tài chính nghĩa là cần dạy cho trẻ hiểu:

Tiền là gì?

Mẹ đưa bé đi cùng khi đến siêu thị, cửa hàng mua sắm và hãy giải thích cho bé hiểu rằng: Tiền sẽ được sử dụng để mua những thứ mà gia đình đang sử dụng mỗi ngày bằng cách nói giá lên cho bé biết. Chẳng hạn như: Hộp sữa tươi con uống mỗi ngày là 7.000 đồng, cây kem con thích ăn 8.000 đồng,…

Đọc thêm: Dòng tâm sự của mẹ và con gái gây xúc động.

Làm thế nào để có tiền?

Thông thường các gia đình thường cho trẻ một khoản tiền tiêu vặt hàng tháng. Cha mẹ nên quy định trẻ chỉ được nhận tiền tiêu vặt nếu hoàn thành một số việc cụ thể mà cha mẹ phân công. Việc này giúp trẻ hiểu được phương thức “làm mới được trả công”.

Phụ huynh nên phân ra hai loại công việc giao cho trẻ. Một loại là việc mà con phải tự làm và không bao giờ được trả tiền như đánh răng, ăn uống, học giỏi…bởi đây là các hoạt động liên quan trực tiếp tới cá nhân, bắt buộc trẻ phải tự làm và chịu trách nhiệm với tư cách của một thành viên gia đình.

Loại việc bố mẹ sẽ trả tiền cho con như tưới cây, dọn dẹp phòng, lau bàn ghế, lau bàn….nhằm khuyến khích tinh thần lao động và trách nhiệm của chúng với đồng tiền.

Cha mẹ nên chỉ cho con các cách có thể kiếm tiền:

  • Tiền công: làm việc và được trả công. Trẻ có thể đã hiểu tiền tiêu vặt hàng tháng chính là tiền công của trẻ.
  • Tiền lợi tức thu được từ việc đầu tư: đồng tiền làm việc theo “yêu cầu” của người chủ. Cách kiếm tiền này đòi hỏi nhiều kiến thức hơn so với cách làm trên. Tất cả những người giàu có trên thế giới đều kiếm tiền qua phương thức này.
Trí thông minh của con hoàn toàn do gen từ cha mẹ?
Cách rèn luyện trí nhớ cho trẻ dưới 6 tuổi.

Cách chi tiêu tiền như thế nào cho phù hợp?

Chúng ta trở nên giàu có hay nghèo đói phụ thuộc vào cách chúng ta tiêu tiền. Cách chi tiêu của trẻ nên thực hiện theo phương thức S.O.S:

  • Tiết kiệm (Saving): trẻ cần trích một khoản từ tiền tiêu vặt dành cho mục đích tiết kiệm ngắn hạn lẫn dài hạn. Khoản tiền này vốn để trẻ đầu tư và có thêm một phương thức kiếm tiền ngoài phương thức làm công.
  • Ủng hộ – biếu tặng (Offering): khuyên trẻ nên dành một phần tiền để quyên góp cho các tổ chức từ thiện hay những người kém may mắn hơn
  • Chi tiêu (Spending): phần tiền này trẻ được quyền chi tiêu nhưng cha mẹ nên hỗ trợ trẻ lập ra những kế hoạch cho các khoản chi tiêu và chi tiêu trong sự giám sát của gia đình.

Tư duy tài chính là một tư duy khó và cần có trải nghiệm, tuy nhiên khi bé còn nhỏ từ 0-6 tuổi, bạn nên cho trẻ tiếp xúc với những khái niệm cơ sở được đề cập trong bài viết trên đây.

Đọc thêm:

5 bài tập vận động siêu tốt cho trẻ dưới 1 tuổi.
Những nỗi sợ rất tự nhiên ám ảnh trẻ 0-6 tuổi.
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27 thoughts on “3 khái niệm cơ bản về tiền bạc cần dạy cho trẻ từ 0-6 tuổi

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