If the child's pocket money evaporate faster than you earn, arrange it such Challenge.
1. Determine the purpose of
This should be the most-the most cherished desire of those that can be done for money. Challenge to load, the goal should be more attractive than the snacks and fun with friends. Ask your child to write down the goal in a prominent place. Next to sign, how much it costs.
If the expensive items and stash him have too long agreed that a child has to collect part of the amount, and the rest you add.
2. Break the goal into steps
Decide how much to save in Week. To do this, the child must decide when he wants to get the thing, and divide its price by the number of weeks.
3. Find money-eaters
According to statistics, young people spend the most pocket money on going to the movies, snacks and soda, paid mobile phones. Move the target value that is often the child buys, such as pizza or a bottle of soda. This will help make the path to the goal of visible and obvious: for example, to buy giroskuter, we must abandon the 15 pizzas.
Encourage your child to look at what "black holes" fly away his money. For this we need to write down what he spent last week, and identify items, without which it could do. This is the eater of money. If you refuse them, will be able to save more and accumulate more quickly.
Show your child that he has a choice. He decides that it is important for the here and now. If, for example, a teenager is more important to go to the movies with a girl that he likes, then the acquisition of bike You can wait for later.
4. Prompt how to save more than
Here are a few techniques that will help you not to spend money on little things (by the way, methods of work and for adults).
- notebook method. Ask your child to write each transaction, but not for you, but for themselves (no need to show the recording). It is important that he himself I was able to see the extra costs and calculate money spent in vain.
- Method nekuplennyh goods. The next time, when the child strongly wanted to buy something, persuade him to postpone the purchase of a couple of days. Emotions calm down, and he will be able to make an informed decision.
- 1/10 method. Offer to postpone 10% of each amount that enters the child's hands, so that they do not become superfluous chocolate.
- Method of working time. If your child has experience podrabotok, even translated into the purchase of office hours: Calculate how much will have to work to buy, for example, another hoodie. Such a thought makes spending less enjoyable.
5. Find the best deals
When the desired amount is collected, ask your child to review the proposals in the different stores, look for discounts and actions and to choose the most profitable option.
6. Buy and Celebrate
When a thing is bought, fix fond memories: arrange a family celebration or a friendly party, take photos and video memory. This will help create a chain in the brain: to save and achieve nice goals. Then the next time the child himself wants to save up for a dream.
Based on the data pad-Challenge for Teens "your financesยป. Inside the notebook - exercise, life hacking, tasks and tips that will teach a child to handle correctly money, save and spend wisely, to identify fraud attempts, and even be business plans.
see also
- How to teach a child to handle money โ
- How to teach a child to eat right โ
- 8 tips to parents on how to help your child choose a profession โ