"All the best - children" - so he sounds one of the main rules of the parent. It is impossible to refuse the child in many requests - no one wants to upset it. And saying "no" is an important skill that will help in education. Here are some tips to help you refuse to a child in response to his request to buy something unplanned and teach it the basics of financial literacy.
Often, children do not understand that their desires can fly to parents. In order not to deny and hard to upset the child, you can offer him alternatives.For example, your child wants a purebred cat or a dog for mad money. Offer him to take a cat out of the shelter and explain to him the correctness of such a decision: a lonely animal will find the house and family, while you will get the same.Be a step ahead and it will save you from tantrums and tears about not purchased toys or sweets.
Before going to the store or shopping center, talk to the child about the goals of your visit. Tell him immediately about what exactly gets into the grocery basket, and what will pass by.
For example, make a list of purchases and say it: "We go to the store for bread, eggs and milk. We already have sweets for tea and today we do not take them. " By the way, try to assign the baby to help you and follow the observance of the list, it will clearly appreciate such confidence.3. Ask about why you need a spending
Children are prone to impulsivity in purchases. They do not think they put in the cart with the products of Kinder and chocolates.Do not say "no" immediately, and ask him why he needs this thing. If he responds and give a good explanation, then promise to make it in the next shopping list.
4. Handpad pocket money
Determine how much you are ready to highlight the child for personal waste and give it out once a week or two.
Explain that the amount is issued once and until the end of the designated period will not be replenished. Be hard and disappear to provocations that are possible at first.
This will help develop a habit of savings and budget management, because if you want to buy something expensive, then you need to postpone.
5. Plan a budget together
Let the child take part in the family budget planning. On the discussion of expenses, he will be able to voice his needs: new shoes need, school notebooks or money for a gift to friends.
Never forget about children's spending and lay them in the budget, and the child instruct the most suitable shopping options. Maximum participation on his part you are guaranteed