Teaching Children Money Habits for Life
The life-long benefits of teaching children good money habits make it well worth the effort. Children who are not taught these lessons pay the consequences for a life-time. Some parents don't teach children about money because they think they shouldn't talk about money with children, don't have the time, or think they don't have enough money. Parents should take the time to teach children about money regardless of their income and should start when children are young.
Most people have strong feelings and opinions about money, based on childhood experiences and the values and beliefs of their families. Most often, these experiences, values, and beliefs are different for each parent. It is vital for the healthy development of children that parents talk about these feelings and opinions and establish a consistent approach to teaching children about money.
Here are some guidelines parents can keep in mind as they begin the financial socialization of their children:
Guide and advise rather than direct and dictate1 how the child's money should be used.
Encourage and praise the child rather than criticize and rebuke2 actions taken.
Allow children to learn by mistakes and by successes.
Be consistent while taking children's differences into account.
Include all family members in money management discussions, decision making, and activities as appropriate for their age.
Explain to children what they can and cannot do and the consequences of violating the limits.
As children get older increasingly include them in discussions of limits and consequences.
Expect all family members to perform unpaid3, routine household chores based on their abilities.
Express your desire to have things you can't afford. Children need to know that parents say no to themselves, too.
中文：
花些力气教会孩子们好的烧钱习惯是很值得的，因其带来有哪些好处是使他们受益一生的。没受过这类资金教育的孩子们将一辈子为此付出代价。有的爸爸妈妈不和子女谈论资金，由于他们感觉不应该和孩子子谈论资金，感觉没时间，或者是觉得他们没足够的钱。作为爸爸妈妈，不论他们的收入怎么样都要花时间教会子女有关钱的问题。
大多数人对资金所持有些固有些感受和怎么看都是基于儿时的历程与家庭的价值观和信念。多数状况下，每一个爸爸妈妈的这类历程、价值观和信念都是不一样的。爸爸妈妈谈论这类感受和怎么看并打造起一条前后一致的树立子女资金观的渠道对于孩子的健康成长尤为重要。
爸爸妈妈在同子女进行资金交流时应该记住以下几个方面：
引导和建议而不是指挥和命令孩子怎么样烧钱。
鼓励和表彰孩子而不是批评和指责孩子的行为。
允许孩子们通过失败和成功来学习。
在考虑每一个孩子的不同特征的状况下，维持（看法和办法的）前后一致。
让每一个家庭成员都参加与其年龄相适应的资金管理的讨论、决定等活动。
向孩子们说明什么能做，什么不可以做与超出限制带来的后果。
伴随子女的成长，更多地让他们参与关于限制及后果的讨论。
期待每一个家庭成员都免费地做一些与他们能力相符的家务劳动。
表达你对买不起的东西的渴望。子女需要了解，爸爸妈妈也要对自己（的需要）说不。
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