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聰明父母正確應答寶寶“錢問題＂小竅門

出處：媽媽育兒網(wǎng)日期：2013-10-15 14:32:10編輯：Chen

俗話說“你不理財，財不理你”。孩子的金錢觀念和理財方法在童年時期建立，將得益一輩子。

兒童心理學家指出：小寶寶對金錢的興趣可以說是與生俱來的，早期的金錢教育對兒童樹立一個正確積極的金錢觀，形成良好的理財習慣與技巧有著不可估量的潛在作用。那么，爸媽要怎么和寶寶談錢？怎么幫助寶寶從小養(yǎng)成良好的儲蓄習慣？給孩子多少零用錢合適，哪些精囊妙計又能幫助孩子培養(yǎng)理財能力呢？

第一階段：讓孩子知道什么是錢

在對寶寶進行金錢教育時，首先要幫助他們樹立幾個重要的觀念： 

1.金錢來之不易(告訴孩子要有計劃地慎重理財)。 

2.金錢并不能換來你想要的所有東西（提醒孩子不要一味地沉迷于金錢世界）。 

3.付出才會有收獲（不要有不勞而獲的懶惰思想）。 

4.收入是為了支付全家人的開銷，任何對金錢的濫用都可能影響全家人的生活（培養(yǎng)孩子的責任心）。 

5.不要讓自己成為別人勒索的對象（教育孩子“錢不露白”的道理）。

糖果實驗：你的孩子是哪種金錢觀

美國心理學家對3～6歲的小朋友做了一個延遲欲望的心理測驗，在五彩繽紛的糖果面前，孩子們有兩個選擇。選擇一：可以立刻把其中1粒糖果吃掉；選擇二：現(xiàn)在不吃，在等10分鐘后，可以連續(xù)吃3粒，你的孩子會怎么選擇呢？

理財訓練

把各種大小不同、面值不等的錢幣擺在寶寶面前，逐一地告訴他，這是多少錢，那是多少錢？上面的圖案是什么？是什么時候制造出來的？有什么特別的原因或故事？講解完后，可以挑幾種錢幣，看看小寶寶是否記得它們各自的價值。

從和金錢有關的故事入手

可以給孩子講諸如《金錢島》《索羅門的寶藏》《阿里巴巴和四十大盜》等故事激發(fā)寶寶對金錢的興趣；也可以通過《蘇秦列傳》等故事告訴孩子金錢就像一面鏡子，可以照出世間的人情冷暖；還可以講述寶寶身邊的故事，不失時機地對寶寶進行金錢教育。

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