父母经常问我是否应该给孩子零用钱。他们希望这将鼓励他们的孩子进行资金管理和积极的消费习惯。但正如每位家长都知道的那样，“A”是一道题量很大的题。
当被问到时，我总是试图理解父母对津贴的处理方式背后的逻辑，因为这个决定非常依赖于家庭的动态和财务习惯。
在这里，我展示了我们班上三个孩子的例子，以及他们的父母采取的方法。这些方法中的每一种都有自己的优点和缺点，并灌输资金管理的不同方面。
凯拉（14 岁）和领取津贴并被告知如何花钱：凯拉和所有 14 岁的孩子一样，有她自己的美好想法。当她的父母最终同意给她零用钱时，是在严格的支出和努力条件下。她每周 60 美元的津贴必须平均分配给 3 个罐子。一种用于消费，一种用于慈善，一种用于储蓄。作为回报，她不得不帮忙洗衣服和打扫房间。
从提出的每个选项来看，我认为这绝对是最糟糕的方法。通过强迫您的孩子分钱，您并没有教会他们任何财务管理知识。她的父母实际上树立了一个影响她一生的榜样，她总是依赖别人告诉她如何花钱。我们在课堂上一遍又一遍地看到这一点。虽然他们将 20 美元用于慈善事业的想法是一个崇高的想法，但让我们现实一点——你知道哪个成年人将 30% 的收入捐给了慈善机构？
通过奖励她打扫自己的房间和自己洗衣服，他们解雇了资金管理的最基本租户之一。你为你带来的附加值而赚钱。清理你弄得一团糟，不是附加值，而是对生活的期望。
这些行动建立了一定的影响未来的期望和行为平台。在这种环境下长大的孩子，对职场生活的期待是不一样的。在现实生活中，您不会因为清理自己造成的混乱而得到报酬，事实上，可以公平地说，如果您不清理它，您就会被解雇。
亨利（13 岁）和在那里的津贴。亨利的父母每周给他 40 美元。他不需要为此做任何工作，他不必以某种方式花费它，只要他不要求更多的钱，他就可以完全自主地花钱。
通过让亨利完全独立，他的父母希望他能从错误中吸取宝贵的金钱教训。可以公平地说，这种不干涉的方式确实让他完全控制了金钱，他很快就学会了如何管理自己的钱来给他买午餐、糖果和支付他玩的游戏的附加费用。
然而，这种方法完全错误的地方在于他们无缘无故地捐钱。通过仅仅因为他在那里而给他钱，他们就错过了亨利财务基础的宝贵教训，因为你赚多少钱和你工作有多努力之间存在因果关系。现实生活中没有免费的钱。我一次又一次地看到这样的情况，一个孩子在没有额外工作的情况下要求更好的成绩，或者一个团队工作人员在没有真正付出额外努力的情况下要求加薪。
Selina（14 岁）和没有津贴 - 想要什么就问什么。这是我经常看到的常见的第三个例子。 Selina 没有零用钱，但如果她需要钱，她会问父母并说明理由。像上面的每个例子一样，这也有利有弊。通过不给免费钱，她的父母并没有让她走上一条期望她有权获得免费钱的道路。通过证明她的开支需要是合理的，她不断地不得不推销她的想法，并且在某种程度上这确实让她有能力更好地在现实世界中谈判事情。然而，这也限制了她，因为她永远无法控制自己的钱，而且当她必须对金钱做出真正的决定时，她很可能不会帮助她。
那么，家长该怎么做呢？
我只能分享我丈夫和我选择在家里做的事情。这对每个人来说可能不是一个好方法，正如我之前所说，每个家庭在津贴和家庭财务方面都需要有自己的决定。
Chez Nous，我们选择了我女儿工作赚钱的模式。她来到我们的商店（并不是每个人都能从不断需要廉价劳动力的初创公司中受益！）并工作并获得最低工资。然后她就可以随心所欲地花这笔钱，但这笔钱需要她支付所有的额外费用。到目前为止，它一直在工作，它正在教会她，有工作涉及金钱。她经常在月底破产，自己学习如何花钱。可以说，星巴克的桃茶拿铁已经下架了。
就像其他所有关于金钱的事情一样，在讨论家庭津贴时需要考虑到整个家庭的动态。
教孩子金融知识和资金管理是父母对他们成功的最重要的贡献。
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