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How to give pocket money to their children and teach children how to handle money

10/21/2013

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Shirley and Andrew with children: teaching pouparDeixar brushing teeth only costs R$ 0.25 . Forget the lights out for as little as R$ 0.50. But disobeying his father or mother , catastrophic failure , costing the small R$ 3 . It works like a discount table in allowances R$ 50 of the children that the judge Vitor Yamada , 37 , implemented . The method that was successful in social networks , is criticized by experts in financial education .

- You can not " punish " or " reward " children for behaviors that are actually items citizenship. With the financial reward , we risk creating adults who did not give due weight to issues such as saving water and electricity - says Ricardo Pereira , author of " Dinheirama " .

Even those innocent due to financial rewards good behavior or good grades are in check . The financial educator Reinaldo Sundays criticizes families who adopt a business model in the home:

- The relationship with the family can not pay, using money as a benefit or punishment. Thus , it is more likely to form a stingy person or consumerist too ahead.

Yamada , who posted the photo just to show the family , accepts the criticism . But the judge believes that , so let your kids better prepared for " the real world " .
- If someone miss work and not justified , will be discounted . It's important that they understand this already - he explains . - When my daughter asked to start receiving pocket money , we decided that we would set some conditions . To earn money , they must meet certain obligations daily , but kid stuff .

Table with discounts

Table with discounts for " bad behavior " of children
At the home of Shirley Viana , 35 , and Andre Luiz , 49 , an allowance of four children does not depend on their behavior .

- We can not encourage young people and help them fulfill their obligations only to get more . When you fail to do its function , do not cut the money , but the fun - Shirley account . - How were guarding throughout the year , in December 2012 , the boys bought electronic items , such as a tablet , while Thamires preferred to spend their savings on shopping .

Tips to make allowance
Experts are divided on the ideal age to start giving pocket money , but usually recommend that children from 7 years to begin to live with money. The financial educator Reinaldo Sundays suggests that over a month , father and mother write down all the money that the kids ask for your wishes , like buying candy, and toy figurine . If they are small , it is good to include the value of the school lunch allowance.

The amount varies according to family income . The ideal is to give 50 % of total consumption by children habitually . Parents should meet with the children and explain that will start giving pocket money and that children should use the money in 30 days . Sundays recommends that parents meet with a child at a time . The values of allowances may vary by spending each.

Then it is good to ask for the child desires or dreams which want to accomplish. Parents should offer to save the other 50 % to achieve this goal . It is important to actualize it , so that the child understands the power of holding money and create the habit of saving . Regardless of the value , it is essential that the family of the children accompany spending . For financial educator Ricardo Domingos , children often repeat their parents' behavior .


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Source : Extra - online

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