At that children spend their money and how to control it

How much money do Russian children and what they spend

In our childhood, the phrase "pocket money" sounded except in Hollywood films about wealthy teenagers. Today, however, 87% of children in Russia areWhat students know about the money? pocket money from their parents. On average, parents giveDigital kids. The future is here and now! 355 rubles a week.

That's what their children spendAs young people about money:

• sweets - 59%;
• chips and crackers - 38%;
• juices and soda - 37%;
• eating out - 35%;
• Entertainment - 17%.

We asked children Layfhakera employees what they leave the pocket money.

Parents give me money, but not often. Usually, it is a trifle, or 100-200 rubles.

Since I do not use the money almost, to me this is enough. I own money to buy tickets to the movies, go to class in the theater and a zoo. If my friends birthday gift buying for their money.

Every week they give me 300 rubles. Mom says that if you give me more, then I'll start to buy any nonsense. Usually do not ask me what I spend my money.

Pocket money they give me about 350 rubles a week. I think parents do not give children a lot of money, because they think that they will merge them all nonsense.

Usually I spend money on myself, buy clothes, paint and brushes for art school. Sometimes I buy gifts for loved ones.

At my school, a soup kitchen, so not much to spend to me.

Perhaps that's why they give me money is not often - usually no more than 500 rubles a week. I spend on their books at the bookstore. Sometimes I am asked to go on the way to the grocery, where I also buy things for the house on their own.

How to teach a child to handle money wisely

Talk to your children about money

Often kids think that money is the parents are taken out of the air and there is no special expenditure.

Show the children that this is not so:

• Count together how much money is spent on utilities, travel and food for each family member.
• Calculate how much you spend on products.
• Estimate a budget family holiday.

So the child will understand that free money from their parents is really a bit.

Encourage your child to help with household spending

Preschooler can search for products in the store, or check with the list of purchases. Junior high school student thinks the price of goods on a calculator, a teenager can monitor what products are over the house, and make a shopping list. So they are through the game and help adults understand that the limited resources of the family.

Do not take away money that has already given or pledged

I broke the window school? Week will not get a dime. I received in three quarters? Give the money that my grandmother gave. Fines do not teach a child to manage money, but undermine the credibility of the parents.

Taking pocket money, you actually rob him. Property and children, and adults, must be inviolable.

Do not ask a child what he spends money

Imagine that you got paid, but in the next month should report the boss, what do you spend it, and he will comment on your spending. How do you feel? At the same child.

Initially, it will be pointless buying - fast food or unwanted toys. But only after money on nonsense, your child can spend usefully.

Be aware of the child's expenses will help children a credit card tied to your account. For example, "Tinkoff Bank" is Junior card for children from 6 to 14 years. Own cards and personal bank account to spend money to stimulate more deliberately than a couple of bills in his pocket.

Teach your stash

Map save more convenient than cash set aside: less tempted to spend accumulated. On the mobile app Tinkoff Junior the child can open a savings account and transfer money on it. Income on this account - 5% per annum. By the account can add a target - the app will calculate how much to set aside each month to accumulate on it.

What's more useful is at Tinkoff Junior

Several design options

The child can choose how it will look his card.

free service

The month with the card can be removed without a commission up to 20 000 rubles at any ATM.

Quests in the game form

The bank application, you can give the child jobs and pay, if he fulfills them. Orders can come up with your own, or choose from the list.

Built-in navigation

If a child has a smartphone, the app will show you where it is.

Keshbek

For any purchase of bank charges keshbek in points:

• 2% of the purchase price for payment in shops;
• to 30% by special offers bank partners;
• 1% for all other purchases.

One point is equal to 1 RUB. Points you can spend on trips to the coffee shop, or shopping on the Internet.

Here's how it works: Let's say a child has accumulated 3000 rubles and saw a special offer from the bank's partner - keshbek 30% in store quadrocopter. If he buys quadrocopter for 3000 rubles in the store, the bank will return it 900 points keshbeka. These scores a child can spend in the application: to compensate for buying them, committed to the online shops and cafes.

Free delivery to your home or office

If you do not have a debit card Tinkoff, along with a children's card you will receive your Tinkoff Black - to the account it has to be linked Tinkoff Junior.

Order map

Thank psychologist and psychotherapist Larissa Milov and the candidate of psychological sciences, the editor psi-center.ru Innu Semikashevu for assistance in preparing the material.