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打造孩子金錢(qián)觀 零花錢(qián)是關(guān)鍵

出處：網(wǎng)絡(luò)收集日期：2025-01-14 16:09:56編輯：秩名
打造孩子金錢(qián)觀 零花錢(qián)是關(guān)鍵
 
　　父母?jìng)兌枷Ｍ⒆幽軗碛泻玫慕疱X(qián)觀。有好的金錢(qián)觀，雖不意味著是會(huì)掙錢(qián)，但能讓孩子不輕易被金錢(qián)利益所誘惑，懂得怎樣合理利用金錢(qián)，能讓自己和家人的生活更幸福。
 
　　而零用錢(qián)是培養(yǎng)孩子金錢(qián)觀的第一步，有時(shí)候家長(zhǎng)自以為很有“教育意義”給零花錢(qián)方式，反而是在摧毀孩子的金錢(qián)觀
 
 
　　孩子沒(méi)有支配零花錢(qián)的自由嗎?
 
　　今年春節(jié)時(shí)，有位朋友在微信向我傾訴
 
　　——跟孩子商量好過(guò)年的利是錢(qián)由我保管，孩子答應(yīng)了，卻偷偷地藏起部分錢(qián)。這么小就看那么看重錢(qián)，甚至為了錢(qián)撒謊，我該怎么辦?
 
　　——你平常有給孩子零花錢(qián)嗎?
 
　　——沒(méi)有，我不想孩子亂花錢(qián)，但跟孩子說(shuō)過(guò)需要花錢(qián)時(shí)，就找爸爸媽媽。
 
　　問(wèn)題就在這!你以為對(duì)孩子很大方，但他想買的東西都需要經(jīng)過(guò)父母的批準(zhǔn)!其實(shí)是剝奪了孩子消費(fèi)的自由!這種嚴(yán)苛的消費(fèi)控制，讓孩子童年在金錢(qián)上過(guò)于匱乏，他可能會(huì)慢慢地變得對(duì)金錢(qián)斤斤計(jì)較，甚至對(duì)金錢(qián)表現(xiàn)得貪婪。
 
　　讓孩子用干家務(wù)的方式獲取零花錢(qián)
 
　　朋友娜娜非常崇尚外國(guó)的教育方法，她學(xué)習(xí)外國(guó)家庭，給家里的每個(gè)家務(wù)標(biāo)價(jià)，讓孩子通過(guò)做家務(wù)的方式掙取零花錢(qián)。她家孩子從小就非常獨(dú)立，家務(wù)能力也不錯(cuò)。但缺點(diǎn)是非常個(gè)人主義，對(duì)于沒(méi)標(biāo)價(jià)的家務(wù)，例如爸媽的衣服掉地上了，紙巾盒里面沒(méi)紙了，孩子都會(huì)直接無(wú)視。
 
　　很多時(shí)候，讓大多數(shù)人堅(jiān)持干家務(wù)的不是金錢(qián)，而是對(duì)家人的責(zé)任和情感。將家務(wù)明碼標(biāo)價(jià)，在孩子眼里，家務(wù)就不是家人的互助，而是利益交換。如果孩子連對(duì)家人的幫助都斤斤計(jì)較，那么他有可能成長(zhǎng)為一個(gè)唯利是圖的人。
 
　　將零花錢(qián)當(dāng)成賞罰孩子的手段
 
　　前不久，拜訪一位親戚，發(fā)現(xiàn)他家孩子在客人面前特別乖，表現(xiàn)超越同年齡的孩子。問(wèn)他怎樣做到的，他自豪地告訴我，他跟孩子定下很多規(guī)則，如果孩子做得好就能得到獎(jiǎng)金。
 
　　乖乖聽(tīng)話爸爸就獎(jiǎng)勵(lì)，努力學(xué)習(xí)爸爸就給你多少錢(qián)……表面上看既省功夫又能教育孩子，這些獎(jiǎng)罰把金錢(qián)化為孩子學(xué)習(xí)、變好的內(nèi)動(dòng)力。但假如有一天沒(méi)有金錢(qián)獎(jiǎng)勵(lì)了，或金錢(qián)獎(jiǎng)勵(lì)不夠吸引了，孩子們不就失去了做個(gè)“好孩子”的動(dòng)力?
 
　　零花錢(qián)遠(yuǎn)超孩子需要的范圍
 
　　有次，跟一位朋友感慨，從小有固定零花錢(qián)的人，更會(huì)管理金錢(qián)。立馬遭到這位朋友的反駁。他說(shuō)他也從小有零花錢(qián)，現(xiàn)在依然不會(huì)管理錢(qián)，花錢(qián)大手大腳。細(xì)問(wèn)之下，這位朋友的零花錢(qián)從小要比一般同年齡的人多。因?yàn)榧议L(zhǎng)希望他為人大方一點(diǎn)。
 
　　金錢(qián)就像權(quán)力，對(duì)于毫無(wú)經(jīng)驗(yàn)的人來(lái)說(shuō)，容易處理失當(dāng)?？傊瑢?duì)于沒(méi)有經(jīng)驗(yàn)的孩子而言，零花錢(qián)不能超過(guò)他們能控制的范圍。過(guò)多的零花錢(qián)，會(huì)讓零花錢(qián)失去意義，孩子買什么東西都很充裕，他們根本學(xué)不到如何規(guī)劃金錢(qián)和控制自己的欲望。正確的方式是，父母根據(jù)孩子的年齡，大致估算下他們的各種開(kāi)支，將零花錢(qián)定在合理范圍內(nèi)。孩子如果超支，則需要跟父母討論決策。

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