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Allowance : ask questions about this tool for financial education

29/08/2013

This article was translated by an automatic translation system, and was therefore not reviewed by people.

 

 

 

 



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Give allowance is more than ' shut up ' of children growing thrown into savagery of the consumer market , bombarded by advertisements and members as decisive in the choice of buying the family.

Therefore, teaching early administration of own finances can be an important mechanism for the financial education of a lifetime . Parents , in general, have many questions regarding the allowance. The questions are mainly about when to start , how and with what frequency .

Financial education specialist and author of children's books on this universe , Álvaro Modernell answers below to frequently asked questions on the subject and explains the details of the matter .

There is an ideal age to start giving allowance?

" It depends on the maturity of the child and family lifestyle , but in general I see the range between 6 and 7 years as the best time because it is the age at which children begin to be literate and begin to deal more intensively with numbers. It's nice when the child asks or suggests thus value more , are more receptive to guidance and feel they are gaining something . "



How to give allowance ? Each age group should receive a different value ?

" There is no set value or formula that works properly for all profiles of families . Parents should observe the possibilities of your budget, the habits of the child and family and from that point seek a parameter to start . However, it is important to note that even if there is the possibility of giving a high allowance , this should be avoided . In terms of financial education , scarcity teaches more than plenty and in the event of financial distress of the family children will not feel much . It is interesting that parents talk to the parents of the closest friends of their children and take an average , a similar range , so there is a value exorbitant, but neither frustrates the child with a very low value . Besides the value should be combined , followed and respected by d wo parties frequency and payment rules and use. "

The school lunch money should be included in the allowance?

" In childhood , no. The lunch money should never be included in the allowance because it runs the risk of leaving the child to eat not to spend your money . If the family chooses to give money to children to buy lunch at school , the values must be separated from the allowance and, if the child chooses not to eat that day or if you still change, should be returned to parents . For teenagers , it can happen , but with clear rules . "

And conditional allowance with school performance ?

" It is also not recommended ! This may stimulate a mercenary mentality . A child can fall in a production period knowing that later , with an improvement in the notes , you will receive a financial reward . Furthermore, we find cases of parents who outsourced the money the responsibility for monitoring the tasks and school performance , which is actually quite harmful to children's education. "

How parents should pay the allowance?

" Although the name allowance , ideal for younger children which is not monthly , because they still have trouble dealing with distant horizons . Earlier , from 6 to 8 years , I suggest weekly . Between 8 and 10 years can opt for a transitional period , with quinzenada . From 10 or 11 years , depending on the maturity of the child , one can establish the allowance itself , with monthly , which will be of most financial cycles that will live into adulthood .

It is also important that parents keep decisions from the moment they decide to give pocket money , how to pay on the day and the amount agreed . Allowance is serious stuff ! And , if possible , must pay with exact change , encouraging them to save a portion whenever they receive some money. "

What is the main lesson is for the child and for the parents who opt for allowance?

" To the children will experience , learning with errors and successes, will have to make choices , live with limits . Learn to manage, find prices , saving , planning purchases . Many will develop skills , attitudes and postures important that , as adults , have a life and quiet with good financial prospects . For parents , the perception that it is not enough to give the instrument - the allowance. Also need to give guidance and financial education itself.
Also find that it is more economical and more productive to set limits for their children also in financial matters . "


Source : UOL - Modern Consumer

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This article was translated by an automatic translation system, and was therefore not reviewed by people.

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