如何教孩子节约和投资？

A

Awarded

my innovative way...

son.
Daddy, give me money for chips.

Me
Sort yourself out, today until 6pm I will give you in 3 installments starting with 5 zł, then after 2 hours you will get 2 zł - I will pay you the rest at 6pm... If you are greedy, you will spend 5 zł immediately and won't have any chips. After a few tries, you will understand that it's worth it. Let's agree that you get chips once a week. It's best not to give more than 10 zł to children up to 10 years old... I know that's enough for chips... but if you give a child 100 zł, they will never learn how to save!!! They will buy 3 packs of chips that they can't eat all at once... they will buy candies, sandwiches, drinks at school. - This teaches wastefulness. (It's better to buy it for them).

son
Daddy, give me money for chips... will you?

Me
Alright, you have it, son. - In my opinion, this teaches wastefulness. It came easy, it went easy.

A piggy bank, yes, it can help, but it doesn't prevent spending on nonsense... it secures the money for a while, but without a specific purpose... the temptation to break the piggy bank is still strong ;)

My son has become so frugal that even when I give him 5 zł, he is reluctant to spend it and takes it to his grandma... - He claims that he is saving for vacations, so that he doesn't regret not having enough money for vacations. (Throughout the year, I buy him everything (snacks, drinks, sandwiches are homemade) there is no temptation, if he wants something... he simply informs me - can I buy him what he wants. (I buy it and he has it at school) my son is only 9 years old... but he has been taught the stage of saving since he was 5 years old.

my innovative way...

son.
Daddy, give me money for chips.

Me
Sort yourself out, today until 6pm I will give you in 3 installments starting with 5 zł, then after 2 hours you will get 2 zł - I will pay you the rest at 6pm... If you are greedy, you will spend 5 zł immediately and won't have any chips. After a few tries, you will understand that it's worth it. Let's agree that you get chips once a week. It's best not to give more than 10 zł to children up to 10 years old... I know that's enough for chips... but if you give a child 100 zł, they will never learn how to save!!! They will buy 3 packs of chips that they can't eat all at once... they will buy candies, sandwiches, drinks at school. - This teaches wastefulness. (It's better to buy it for them).

son
Daddy, give me money for chips... will you?

Me
Alright, you have it, son. - In my opinion, this teaches wastefulness. It came easy, it went easy.

A piggy bank, yes, it can help, but it doesn't prevent spending on nonsense... it secures the money for a while, but without a specific purpose... the temptation to break the piggy bank is still strong ;)

My son has become so frugal that even when I give him 5 zł, he is reluctant to spend it and takes it to his grandma... - He claims that he is saving for vacations, so that he doesn't regret not having enough money for vacations. (Throughout the year, I buy him everything (snacks, drinks, sandwiches are homemade) there is no temptation, if he wants something... he simply informs me - can I buy him what he wants. (I buy it and he has it at school) my son is only 9 years old... but he has been taught the stage of saving since he was 5 years old.

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3 likes

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Mariusz Kępiński

Awarded

"At the beginning, I would start by reading books about money and saving to children. I recommend the series 'Miś expertuś' by author Tomasz Krupa, published by Expertia. In the next step, when they are older, I would buy them business-related games (such as Eurobiznes). And finally, I would try to get them interested in games like Transport Tycoon, where you have to manage money."

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Anna Litwinczuk

Awarded

You should teach children about saving money from a very young age. It is known that the best results can be achieved through learning through play. With young children, you can play store using plastic coins, for example. This way, they can learn the value of money, which can be exchanged for things that the child buys during play. You can also plan shopping trips with children, collect money for a certain goal, like buying a dream toy. It is also interesting to teach through playing games like Monopoly or Eurobiznes, involving the whole family in the game, so we have a lot of fun while combining the pleasant with the useful.

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Cüneyt Akar

Awarded

Using a piggy bank is a convenient method.

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Mateusz Kosa

Awarded

According to me, the best way is to set an example. I know this from my own experience, I remember that my parents never wasted money on silly toys like a 10k TV, expensive phone, or expensive bags. I saw it myself, and they themselves gave me advice on what is worth buying and what is completely unnecessary and worthless. Children have a tendency to closely observe their parents' behaviors and mimic them, so it is definitely worth taking care of one's saving habits from the beginning.

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2 likes

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Weronika P.

Awarded

"In my opinion, a cool idea is to create a money box on an online account so that the child knows from a young age that if they really like something and want to buy it, they can always use the funds saved in that account.

In Santander or Credit Agricole, there is an option that I also use. Basically, for every amount spent, you can activate the service of "saving money in a savings account through the last part of the transaction." For example, if I spend 1.10, that last part of my money is saved in the savings account. It's a very cool option, and before I knew it, I had saved up, for example, 50 PLN from these small things ;)

"

"In my opinion, a cool idea is to create a money box on an online account so that the child knows from a young age that if they really like something and want to buy it, they can always use the funds saved in that account.

In Santander or Credit Agricole, there is an option that I also use. Basically, for every amount spent, you can activate the service of "saving money in a savings account through the last part of the transaction." For example, if I spend 1.10, that last part of my money is saved in the savings account. It's a very cool option, and before I knew it, I had saved up, for example, 50 PLN from these small things ;)

"

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pave

Awarded

Book knowledge can be helpful. Several books have already been mentioned here - among others from: https://expertia.com.pl/ksiazki-dla-dzieci/

That's why I won't list them - you can read about them on the provided website.

Book knowledge can be helpful. Several books have already been mentioned here - among others from: https://expertia.com.pl/ksiazki-dla-dzieci/

That's why I won't list them - you can read about them on the provided website.

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https://expertia.com.pl/ksia...

2 likes

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Oliwia Szostek

Awarded

My opinion is that children should be taught to save money from a young age. Sometimes, children should be given responsibility rather than being spoiled.

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1 likes

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Alan Adamczak

Awarded

An ideal way to teach children about saving is to use... a game! Toy cash registers with tokens or plastic coins will help the child grasp the concept of money and show how exchanges work. Slightly older children can play Eurobusiness and Monopoly with their parents.

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Mateusz Chmiel

Awarded

Teaching children about saving and investing is an important skill that can help them in the future. Here are a few ways to do it: 1. Lead by example: Be a good example for your children. By showing them that you save and invest, you provide them with a role model to follow. 2. Allowances and savings: Help your children open a personal savings account. You can also establish allowances and encourage them to save a portion of their money for the future. 3. Financial education: Talk to your children about basic financial concepts such as household budgets, interest rates, investments, etc., adjusting the level of difficulty to their age and understanding. 4. Educational games: Use board games or educational apps that teach financial management. This is a great way to learn in a practical manner. 5. Real-life experiences: Involve children in everyday financial decisions, such as shopping, comparing prices, and making decisions about spending money. 6. Investments: If you are confident they understand the basics, you can experiment with simple forms of investment together, such as buying shares in a company they believe in. 7. Foster accuracy and patience: Help children understand that saving and investing is a long-term process that requires patience and discipline. 8. Valuing the worth of money: Help children understand that money doesn't grow on trees and is the result of hard work. This helps build respect for the efforts of others and the value of money. 9. Conversations and questions: Always encourage children to ask questions and talk about finances. Answering their questions will help them better understand the subject. 10. Savings rewards: You can introduce a system of rewards for regular saving. This can motivate children to continue good habits. It is worth teaching children healthy financial habits at a young age, as it will benefit their future and enable better money management.

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Kacper Piotnowski

Teaching children about saving and investing is an important and valuable skill. Here are a few practical tips: 1. Common goals: Propose shared goals to your child that are worth saving for, such as buying their favorite toy, going on a trip, or any other reward. Help them determine how much money they need and how much they can save each week. 2. Allowance: Give your child a small amount of pocket money regularly and encourage them to divide it into three parts: spending, saving, and investing. 3. Piggy bank: Buy a traditional piggy bank or use a savings tracking app. Your child can put money in there and observe how the amount grows. 4. Learning through play: Use board games that teach investment principles and financial management, such as "Monopoly" or "Game of Life." 5. Saving with profit: Suggest to your child that you will voluntarily contribute a certain percentage to their savings to encourage regular money-saving. 6. Joint investment decisions: If you are an advanced investor, you can choose a few stocks or investment funds together with your child to invest a symbolic amount and monitor their changes over time. 7. Books and education: Introduce your child to basic financial concepts using age-appropriate books and educational materials. 8. Child entrepreneur: Encourage your child to consider a small business idea or a way to earn their own money, which can enhance their understanding of financial value. Remember that patience is key. Children may make mistakes, but that is part of the learning process. By introducing these practices and values from an early age, you help them build healthy financial habits for the future.

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Najprościej jak się da

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Duplikat SamegoSiebie

"In the case of small children from 0 to approximately 5-6 years old, it is absolutely not advisable to take them shopping in order to avoid reinforcing terrorist habits in children and not to test their supposedly strong will when it comes to unjustified children's whims. After coming home, you can show the child what purchases have been made and explain their usefulness, as well as show exactly what budget we have for a given period (for example, a week) to make the child aware that expenses are made according to the family's needs list and not individual whims. This will help the child realize that they should save separately for their individual whims (or older needs)."

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Daria Loin

I introduced a different system, if someone wants to teach a child to save, they must remember that it is still a child and has its own whims. So, you have to teach from a very young age, preferably when the child earns it themselves, for example by helping at home/garden/family. My child asked me if I could help him sell lemonade. So, I set up a table for my child in the park and he sold lemonade, he had fun doing it and many people approached. He bought what he wanted with the money and saved the rest in a piggy bank, which he will open when he's older. When he no longer played with certain toys, he went to the market and sold toys that were still in great condition but he no longer played with. Thanks to this, he was able to invest in something else, but he saved more on his own. Everything is learned from home when we set an example for our child, the child models after us and knows they can gain something from it. The most important thing is to show that they don't need everything. And we try to provide for some dreams ourselves by setting aside money separately. And all of this was instilled in the child from a young age, while spending time playing with them.

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Sebastian Strzyga

Teaching children about saving and investing is an important part of their financial education. Here are a few ways to do it: 1. Start with the basics: Begin by teaching children basic financial concepts such as money, budget, saving, investing, percentages, etc. Explain to them what money is and how the economy works. 2. Set an allowance: Help children understand how to manage their own finances by giving them an allowance. Assist them in determining how much money they want to spend, save, and invest. 3. Saving: Teach children the value of saving. You can help them open a savings account and encourage regular deposits. 4. Investing: Introduce the concept of investing to children in a simple and understandable way. Show them how money can work for them by investing in stocks, bonds, or other investment forms. 5. Personal example: Children often learn through observation and imitation. If you save and invest yourself, show them how you do it and why it is important. 6. Household chores: Assign household chores to children that they can get paid for. This can help them understand that work is a source of income. 7. Family budget: Introduce the concept of a family budget that children can participate in. Help them understand the family's fixed expenses and how to plan for the future. 8. Educational games: There are many board games and educational apps that can help children understand finance, saving, and investing in a fun way. 9. Books and educational materials: Introduce children to literature and educational materials about finances. There are many books and movies specifically aimed at teaching children about money management. 10. Long-term thinking: Teach children to think about finances in the long term. Show them that saving and investing are strategies for the future. 11. Expense control: Help children understand that not all expenses are necessary and teach them to control their purchases. 12. Money conversations: Be open to conversations about finances with children. Encourage them to ask questions and share their concerns. Remember that it is crucial to adapt the teaching to the child's age and level of understanding. Introduce financial concepts gradually to avoid overwhelming the child with information. Financial education from a young age can help children develop healthy financial habits and prepare them for responsible money management in the future.

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Wiktor Pawłowski

"Teaching children about saving and investing is an important part of financial education that can help them in the future. Here are a few practical ways to teach children good money management practices: Set an allowance and savings goals: Help children understand that money is not unlimited. Assist them in setting a regular allowance and savings goals to which they can allocate a portion of their money. For example, saving up for their favorite toy. Lead by example: Your own financial behavior and attitude towards money will serve as an example for children. If you practice healthy financial management, it will be easier to persuade them to do the same. Teach planning: Assist children in creating a budget plan for their allowances. Teach them that money can be divided into three parts: saving, spending, and giving (e.g., for charitable purposes). Play household: Toys such as cash registers and pretend store sets can help children learn about counting and understanding how money works. Invest in educational board games: Choose board games that teach children financial management skills, such as "Monopoly" or "The Game of Life." Share information about investments: Explain to children in a simple way what investments are and why they are important. You can use examples, such as investing in a piggy bank for the future. Open savings accounts for children: If possible, open savings accounts for children at a bank. This will help them understand how the banking system works. Encourage investing in educational goals: Motivate children to invest a portion of their allowance in educational goals, such as books, online courses, or musical instruments. Reward saving: Reward children for saving towards the goals they have set for themselves. This can be a small reward or praise for their efforts. Allow for mistakes: Give children the opportunity to make financial mistakes and teach them how to learn from those mistakes. It is part of the learning process. Remember that teaching children about money management requires patience and consistency. Introduce these practices gradually and adapt them to the age and understanding level of children. This way, they will learn valuable financial skills that they can use in adulthood."

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Lukasz Bokuniewicz

From the very beginning, a child should be taught to respect money and save, then it will succeed.

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Daniel Kubiak

To help the child choose a goal that interests him, then reward him financially through helping others or parents, for example in the garden. I think he will quickly learn to save and be more helpful.

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seba Bogdanowicz

Teaching children about investing and saving is important for building their financial knowledge and skills. Here are a few ways you can do this: 1. Talk to them about money: Have open conversations with children about money, budgets, and financial values. Explain to them how money works, what saving and investing are. 2. Set financial goals: Help your child establish financial goals, such as saving for a new bike or a vacation. This can motivate them to save. 3. Allowance and chores: Teach children that they can earn an allowance for completing specific tasks at home. This can help them understand that they need to work to earn money. 4. Open a savings account: Assist your child in opening a savings account and encourage them to regularly save a portion of their allowance or other income. Source text.

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seba Bogdanowicz

Teaching children about investing and saving is important for building their financial knowledge and skills. Here are a few ways to do it: 1. Talk to them about money: Have open conversations with children about money, budgets, and financial values. Explain to them how money works, what saving and investing mean. 2. Set financial goals: Help your child set financial goals, such as saving for a new bike or a vacation. This can motivate them to save. 3. Allowance and chores: Teach children that they can earn an allowance for performing certain tasks at home. This can help them understand the concept of working to earn money. 4. Open a savings account: Help your child open a savings account and encourage them to regularly save a portion of their allowance or other income.

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OpenAI BOT

Teaching children about saving and investing is extremely important and can be achieved through various practical activities and games. Here are a few suggestions: 1. Savings jar: Provide your child with an empty box or can that will serve as a piggy bank. Encourage them to regularly put some of their money in there and watch their savings grow. This will help them understand the concept of saving. 2. Setting goals: Help your child set specific goals that they would like to save their money for. It could be buying their favorite toy or going to the movies. Keep them motivated by regularly asking about their progress in saving. 3. Opening a bank account: If your child is a bit older, consider opening a special savings account for children. This will show them how banks work and how to use a bank account. 4. Household scenarios: Suggest various household scenarios to your child that involve spending money. For example, ask them to do virtual shopping in an online store and choose items that fit within their budget. 5. Board games: During board games such as Monopoly, your child can learn the basic principles of investing. Explain to them how buying and selling properties or investing in buildings or stocks works. 6. Books and movies: Recommend books, movies, or cartoons to your child that aim to educate about finances. There are many materials available that can help children better understand the world of money and investments. All of these methods can be useful in enriching your child's financial knowledge. Remember that patience and consistency are among the most important aspects when teaching children about saving and investing.

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Oskar Brzeziński

I don't have a child, but what I do is I open a piggy bank in an e bank and try not to take money from it.

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Sisi SisiSisi

I provide you with the translation of the Polish text into English: "I opened an account for my daughter Kąto and every month I transfer her pocket money there, and my daughter manages it so that it lasts for the whole month 🤗"

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Artur Mroczek

it doesn't always work out

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