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              家庭教育:“藏富”和“哭窮”要適度

              作者:admin
              發布時間 2016年-04月-11日
              來源: 新啟航教育
              點擊:
              當孩子問你“我們家有錢嗎?”的時候,為人父母應該怎樣回答的呢?

              當孩子問你“我們家有錢嗎?”的時候,為人父母者都是怎樣回答的呢?切記,你的回答不僅會影響孩子的消費觀,更會影響孩子內心的安全感。

                美國小孩問他的富爸爸:“我們家有錢嗎?”爸爸回答他:“我有錢,你沒有。我的錢是我自己努力奮斗得來的,將來你也可以通過你的勞動獲得金錢。”

                中國小孩問他的富爸爸:“我們家有錢嗎?”爸爸回答他:“我們家有很多錢,將來這些錢都是你的。”

                孩子將傳承的是什么?

                美國小孩聽了爸爸的話會獲得以下幾方面的信息:1、自己的爸爸很有錢,但爸爸的錢是爸爸的;2、爸爸的錢是通過努力得來的;3、我如果想有錢,也得通過勞力和努力獲得。

                獲得了這些信息,這個孩子就會很努力,對人生也會有很多期許。他也想通過努力像爸爸一樣獲得財富,更重要的是一種精神財富,精神財富會讓孩子受益一生。

                中國小孩聽了爸爸的話獲得的信息是:1、我爸是有錢人,我們家有的是錢; 2、我爸的錢就是我的錢;3、我不用努力就已經有很多錢了!

                于是,當孩子長大接手父親的財富以后,便不會知道珍惜和努力,應了古語的“富不過三代”!這位中國爸爸傳給自己孩子的僅僅是物質財富,沒有精神財富作依托,物質財富是一把“雙刃劍”。

                財商≠財富能力

                我們不是刻意比較這兩種教育的好壞,但有一點需要引起家長的重視:“培養孩子的財商很重要”。實際上,財商教育之所以重要,因為它不僅是財富能力的教育,更是一種品格教育和責任教育,是讓孩子減少攀比心和虛榮心,而不是讓孩子不在乎金錢,大手大腳,更不是讓孩子坐享其成,讓孩子變成啃老族。

                家長具體可以運用以下方法對孩子進行財商教育:首先,不要把壓歲錢存起來當作教育孩子理財的唯一方法。其次,家長們要定期給孩子一些錢,要鼓勵他們到超市購買自己喜愛的零食、玩具、學習用品、禮物,甚至衣服。在孩子每次消費后,家長要和孩子及時地交流一下購物感受,如問一下孩子總結消費的經驗和教訓,慢慢地幫助孩子學會理智和科學地理財。

                理財教育帶給孩子們的不僅是一種消費觀,更重要是帶給孩子一些內心的安全感。安全感是我們近年來家庭教育領域和心理學領域經常提及,而且頗受重視的一個概念。但安全感被人們強調更多的是一種情感方面的依戀。實際上,對孩子來說,金錢方面的安全感也是非常重要的,但沒有引起家長的重視。

                “藏富”和“哭窮”要適度

                目前,一些富人家長為了杜絕孩子養成大腳大手的壞習慣,于是就在孩子面前“藏富”和“哭窮”,這種做法需要適度。適度的“藏富”和“哭窮”可以變為孩子前進的動力;如果過度,可能會給孩子造成一種壓力,造成金錢方面的不安全感。

                大家試想,一個整日看著父母為錢發愁和抱怨的孩子,能專心致志地學習嗎?所以,在孩子成年以前,家長要以堅定的語氣告訴孩子:“爸爸媽媽一定會保證你上學、生活的費用,你不用擔心。但長大了你就要通過自己的努力去創造財富。”

                這種承諾對孩子非常重要,因為當孩子的內心安定了,智能才能得到良好的發揮。

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