The expert told how to control the pocket money from children
Tight control of the pocket money children will not allow to teach them to make informed decisions in this matter with the child it is very important to negotiate and explain what the purchase would have been more helpful, told RIA Novosti adviser to the project Director of the Ministry of Finance of the Russian Federation on financial literacy Ekaterina Lavrenova.
The expert notes that tight control does not allow you to learn at times, and mistakes, make informed decisions, to take responsibility for their actions, and when the child grows up, he will wait that someone is on to his finances. "It is important to negotiate with your child about the amount of pocket money and the timing of their issuance. It should be a small amount, even if your budget allows you to give more. This way you will encourage your child to plan. It is important to give the opportunity especially for the first time to spend the money on what he wants, even if it were, well, really do not like", - she added.
A spokesman said that after the child has carried out its first personal expenses you will need to discuss these purchases is to talk to him on the subject of what to buy for him could be more helpful and explain that the more expensive purchases he can make, if you learn how to save with pocket money. Quite simple and straightforward scheme will contribute to its development, autonomy and rationality, but do not expect that the result will come instantly.
"Simulation games in financial literacy show that children, when they begin to game the budget, allocate spending, to take in their opinion the best solution, quite differently you begin to look at adult life," she added.
"We need to discuss with your child that there are mandatory expenses, the amount of so-and-so. Income is so much. Is the money that is left after deduction of necessary expenses. It turns out - so much. Let's make a list of who and what he wants. Wow, it turns out a lot, we desired spending can only make the same amount. What do we do? Constantly discuss, choose. It is important that the child felt by the subject that he learned to analyze, compare and had the opportunity to make decisions", - concluded the expert.