pocket money
This is the amount allocated to children for their own needs.
The child will not be able to make the right choice
Money can “spoil” a child.
He can spend it on unnecessary things
If you give him money regularly, he will become capricious, spoiled, incapable
restrain your desires
no need for pocket money
To feel like a person who is not humiliated to live in a world of self-sufficient adults
At least so that he can
satisfy your needs, which adults cannot always foresee
Only when children receive money do they learn to save it, spend it, count it
1. Do you need pocket money?
YES - 85% NO – 15% (1-5 grades)
2. How often do they give you money?
never - 1 person (but I really want to!)
daily -38% (from 10 to 150 rub.)
1-2 times a week – 25% (from 100 to 600 rubles)
1-2 times a month – 8% (from 200 to 1000 rubles)
on holidays, on birthdays - 19% (up to 2500 rub.)
sometimes – 9% (from 100 to 500 rubles)
3. Do you have enough pocket money?
YES - 72% NO - 8%
4.What do you spend your pocket money on?
For food, travel – 45%
For personal needs (telephone, stationery, CDs, sweets, toys, cosmetics) - 28%
I collect, I save – 18%
Gifts to family and friends – 9%
5. Do your parents explain to you how to spend money correctly?
YES – 65% NO – 32% SOMETIMES – 3%
6.If you are punished, will you be deprived of your pocket money?
YES - 26% NO - 70% SOMETIMES - 4%
7. Do your parents give you money for good grades?
YES - 16% NO - 59% SOMETIMES - 25%
Pocket money. My income. 10th grade student of the MBOU "Secondary School in the village of Chapaevo" Natalya Dolotova.
What is pocket money? Pocket money is not a reward for good behavior and study. This is one of the parenting techniques that has a clear goal - to teach a child how to handle money and spend it correctly.
At what age should you start giving your child money? Preschoolers, starting from 4-5 years old. They may have a piggy bank where adults put the change they have in their pockets. It’s a good idea for a junior student to have a small amount of money for personal expenses. A teenager simply needs pocket money. If for a younger student money is an opportunity to buy something, then for a teenager it is an opportunity to spend time with friends.
Pocket money: pros and cons. Advantage: Independence Self-confidence Ability to handle finances Responsibility Disadvantages: The child begins to get used to money Parents are afraid that their child will spend money on cigarettes and alcohol The child manages money incorrectly and thoughtlessly The child develops the wrong attitude towards money
Parent survey: should children be given pocket money? From 1st to 5th grade: “I give my child pocket money, because I don’t worry that my child might buy something to his detriment.” “I don’t worry about my child, when he buys something for himself, he always shares with me and this way I know that he didn’t buy something useless. From 6th to 10th grade: “I understand that the child needs money for pocket money, but I'm afraid that he might spend it on alcohol or cigarettes." "I don't limit my child's money, because he himself can earn pocket money, but I'm still afraid that my child will spend money for alcohol and cigarettes."
Should children be taught how to earn money? First of all, you need to teach children the value of money. The child himself must understand whether he wants to earn money or not.
My first earnings. My first income was when I worked part-time at school as a technician - this is not such a difficult job, especially when you feel that you are needed here and are grateful for it. I had a variety of tasks: paint the radiators, water the flowers, wash the floors, set the tables for the children who go to the playground. I didn't sit idle and I liked it. At the age of 15, I purposefully went to work at OJSC State Farm Teplichny. Firstly, from a young age I was wondering where my dad worked, by whom and how? Secondly, I wanted to earn extra money so I could buy something and not ask my parents for money. After three months of work, I was joyful and happy, because I saw how my dad worked and I could buy something that I had long dreamed of, but didn’t tell my parents. This year I will also work at Teplichny to gain some experience.
What have I learned? Firstly, I learned how to manage money and save. Thirdly, I learned to fill out documents correctly and realized that money is earned through hard work. Secondly, I learned to understand my parents and not ask for too much.
Conclusions I believe that children themselves can earn a certain amount of pocket money. Parents can help you find a job. You need to spend the money you earn wisely.
Thank you for watching!
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“Money and monetary circulation” - The evolution of money. Function of means of payment. Optimization of money circulation. Signs of gold. Gold. Excess money. Condition. State. The buyer as a representative of society. Speed of circulation of money. Means of circulation. Jewelry. Functioning of the national economy. Uniformity. Instrument of payment.
“Product, money, price” - Distribution. Characteristics of the essence of money. Structure of the money supply. Properties of a monetary commodity. Exchange. Consumption. Manufacturing in a broad sense. Goods and money in a free market system. Market economy. Cost form. Products of labor. Price. Metal theory. The ability of a product to satisfy any human need.
“Functions and properties of money” - Electronic money. Paper money. The embryo of the monetary form. Money concept. Market. Types of money. Basic functions of money. Measure of value. Means of circulation. Properties of money. Main conclusions. Money: concept, properties and functions. A means of storage. Questions and comments. Recommendations. A product is like money.
"Monetary Theories" - Criticism of the "real bills" doctrine. David Ricardo. Dispute between monetary and banking schools. How many banknotes do you need? David Hume's slip. Banknote. Turnover of bills. Forced savings. Low emission effect. Interest rates. Emission effect. Conditions for healthy handling. Paper money. Money and money capital.
“The essence of money” - Money supply. World economic crisis. Public deposits. The essence of money. Keynesian approach. Low interest rate. Differences in the number and content of aggregates. Means of circulation. Cash outside the banking system. Offer of money. Money market. Bill of exchange. Negative dependence.
There are a total of 30 presentations in the topic
How to spend money? Bondarenko Yulia Averyanovna 16 years old MAU Secondary School No. 9 10 “A” class
What causes money problems? Obviously, problems with money do not arise out of nowhere; there are always some reasons.
The main reasons are: Insufficient income; Wrong approach to expenses; Lack of real idea of costs; Poor accounting; Inadequate planning. Of course, sometimes financial difficulties arise simply due to the law of meanness - the car breaks down and urgent repairs are required. There are many more situations and needs that can arise suddenly, however, if you take a closer look, it will become clear that, first of all, problems with planning and accounting.
Professional opinions:
I also liked the judgment of my mother’s friend, who told me how she had been successfully running the household with a strong hand for many years. I would like to learn these tricks, but it takes time. My mom's friend explained to me that I was treating my own budget incorrectly. After I asked different people for different opinions, I came to the conclusion that I don’t have the right attitude towards my income and its distribution. At the moment, I try to distribute the income that I receive correctly and wisely.
Forming the right attitude towards money The value of money is a relative concept, and in order to understand how not to waste it, you need to find your own measure of the value of money.
What can be done to find that very measure of money values? Calculate the cost of your working time; Learn to quickly calculate how many things you can buy in just a month; Calculate the final cost of each use of things.
1) Learning to calculate the cost of your working time is useful for everyone. Once you figure out how much your hour of work is “worth,” you will begin to look at things differently. For example, a jacket will cost you four working hours, and a gadget will cost you as much as six days. Interesting, right? It helps you feel how much things cost if you pay for them with your knowledge, effort and free time.
2) Learning to quickly calculate how much you can buy of certain things is also not difficult. If you want something worth your entire salary, then this is clearly a very bad and rash idea. You need to be able to calculate your budget so that you don’t get attached and feed on sunlight.
3) Learning to calculate the final cost of a one-time use of this or that thing is somewhat more difficult, but it is very useful. Once you learn to do this, you will spend much less, simply because you will stop making unprofitable purchases.
Learn how to plan your budget correctly!
To figure out how to stop wasting money, you first need to understand how you spend it in principle. Learning to budget is not that difficult. To begin with, write down in a separate notebook or file those expenses that are monthly and constant - utilities, tuition or rent, transportation costs, food, clothing, entertainment, treatment and others needed. Already at this stage you will find many discoveries if you start thinking. The next step that will help you plan your budget is constant accounting. Learn to record your expenses and then analyze them. Try charting your income and expenses; monthly payments and comparison of expenses and income.
Examples of my family diagrams:
Conclusion: Becoming a person who spends money easily is very easy. The most important thing is to learn how to save without getting into debt, as they create the need to repay the funds. Manage your income wisely and then your expenses will be more than rational. Remember the most important rule, money earns money and this has been proven in my experience, invest money and receive additional income.
Form of conduct: conversation.
The purpose of the class hour: to discuss the problem of forming the economic consciousness and behavior of schoolchildren.
Classroom objectives:
- Determine the value of pocket money for a teenager.
- Summarize the experience of family education in the family.
Target audience: parents of students.
Preliminary preparation: survey of class students, collection of information.
Class progress
I. Opening speech by the class teacher.
In our country, the attitude of many parents towards pocket money and their child’s independent earnings still remains ambivalent. On the one hand, many are afraid that money will “spoil” the child, on the other hand, children must learn to “communicate” with money and know how to count it. I suggest that at our meeting today we discuss the topic “Pocket money” and answer the question: should we give children pocket money or not?
You may ask, why do children need money at all if their parents already buy them everything they need: food, clothes, toys, telephone, Internet? But pocket money is the child’s personal funds, which he has the right to spend at his own discretion. Experts believe that children absolutely need them, primarily so that they learn how to handle finances on their own. You won’t go shopping with your child all your life, will you? In addition, they will teach the child to be thrifty: having a limited amount on hand, he will think about what to buy first and what second.
II. Test for parents “Child and money”. Annex 1 .
Test yourself! How is your family dealing with the problem being discussed? Our little test will help answer this question.
III. Results of a survey of class students on the topic of the meeting.
Now let's look at and discuss the results of your children's survey. The guys were asked to answer three questions:
- Do you need pocket money?
- Do your parents give you pocket money?
- What do you spend the money you receive from your parents on?
IV. When and how much to give.
So, the question of whether to give money or not is not even worth it - of course, give it! Another thing is when and how much. What do you think about it? ( parents' answers)
Psychologists are unanimous about “when” - from the moment the child starts school, that is, from 6-7 years old. But the amount of the “subsidy” depends on your financial capabilities and the age of the child. How much do you allocate to your child for pocket expenses? (parents' answers)
According to the survey results, the average amount that parents give to high school students for pocket money is 800 rubles. per month, not counting mobile phone and Internet payments. But you cannot give too much, otherwise the child will not understand the value of money and will not learn how to manage it wisely.
V. Control is canceled.
Should you control what your child spends his pocket money on?
(Parents' answers)
Of course, you shouldn’t control how much money your child spent and on what. Otherwise, he may decide that you don't trust him. Moreover, you shouldn’t be indignant if he wastes money on all sorts of nonsense.
VI. 5 “pocket bans”.
Memo for parents:
- You cannot give money as a reward for washed dishes, good behavior, or an A in your diary. (Pocket money is one of the methods of fostering independence, and not a reward. In the same way, you should not deprive a child of finances if he received a bad mark or did not take out the trash - this already looks like manipulation).
- It is forbidden scold the child if he spent the entire amount at once and asks for more. (Take this with understanding: the child is just learning how to manage finances. If such cases repeat, give the child money in small portions, but more often. But we do not recommend compensating for what has been spent.Let him wait patiently for the next “salary”).
- It is forbidden Sponsor a child depending on your mood or well-being. (By doing this, you are imposing on the child the role of a supplicant, which is humiliating. The child’s desire to replenish his budget is legal. Since you have decided to give him a certain amount, keep your word. The exception is the situation when there is objectively no extra money).
- It is forbidden give the child money for personal needs, indicating at the same time: “You can, of course, buy chewing gum or chocolate. But you need to carve out money from this amount for your trip.” (The ability to manage your pocket money implies the right to choose, and in this case you are depriving it).
- It is forbidden increase the amount of “subsidies” if the child finished the quarter without C grades or won a competition. (In this case, again, pocket money is tied to the child’s successes, and these concepts should not be confused. If you want to please him, buy a gift).
VII. Summing up the meeting.
So, dear parents, money for children is a good teaching aid before adulthood. Pocket money is the best financial independence trainer for our children. Let's summarize when you can give your child money and when you can't.
You can give money if...
... he understands that it was not easy for his father and mother, grandparents. In families where their older members tell the younger ones about their work and labor problems, they can show proper understanding already in the 1st grade.
... he knows why he needs money, and can quite clearly answer what he will spend it on. Whether he buys chewing gum, a treat every day, or puts rubles into a piggy bank, the main thing is that the spending is thoughtful and appropriate.
... he knows how to purchase what he needs at retail outlets. Check this out practically: let him make small purchases for the home, calculating the amount received so that it is enough for what he needs to buy.
A child is not old enough to have pocket money if...
...he has little idea of where and how his parents work, what wages are and where they come from. Moreover, such naivety is typical not only for the children of wealthy parents, but also for the children of those mothers and fathers who have extremely low and hard-to-earn incomes, but try to hide it from others.
...he does not know how to give up small desires for the sake of a “high goal.” He does not like to limit himself in his whims; he refuses to save money for any major purchase.
...he is not controllable. If he behaves badly, does not keep his word, likes to lie, the money allocated will do him a disservice.
I thank you for these minutes of communication and look forward to meeting you in the future. Thank you!
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