Kuze kutshanje udlale kunye naye kwisitorethi kwaye "uthenge" iimoto zakhe, ekhala ngemibala ekhanyayo. Ngoku uchitha imali kwi-bullshit, ubuza ama-sneakers axabisekileyo, "njengabanye abantu," aze athabathe izicathulo. Indlela yokufundisa umntwana kakuhle ngemali? Ngoko, siza kuqalisa intlanganiso yomzali webhalana: abantwana kunye nemali-esi sihloko sithinta wonke umntu.
INTSHAYELELO KWE-COURSE
Ngomhla wobomi bomntu, imali ayifumani nhlobo. Njengokuqala kwimbali yabantu. Ngaba umntwana wayefana neloli lomlilo lomntu? Kukho iindlela ezintathu zokunyakaza:
a) uyibambe kwaye ubalekele kwi-sandbox (ukubamba impahla yomnye umntu);
b) balwe imfazwe (imfazwe);
c) amnike itanki yakhe ebhukisayo (ukutshintshisana ngoxolo "kweempahla - iimpahla").
Inkqubo yokutshintsha. Ukutshintshwa - umzobo wobudlelwane beemali, kwaye ubungqina bawo bufaka ubungqina kwizinga eliphezulu lokuphuhliswa. Iincwadi, amateyipu, amathoyizi, iidiski - into nganye inayo kwimeko yomntwana into ethile, ngokuyinkolelo engenangqiqo, ngokomzwelo. Ngokomzekelo, intombazana ebiza kakhulu yaseJalimane idlwengula lula kwi "china" enkulu kwibhokisi yebhokisi.
Utshintshiselwano lwelo "uhlobo lwempahla-yemfazwe" lufaka ukungena kwengqondo kumaxesha ahlukeneyo. Le nto ihlelwe yintsapho. Kukho uluvo lokuba abantwana kunye nemali ayinxulumani nezinto, into ephambili yintsimi ephuhlisayo, studio yomculo. Kodwa, ukucinga malunga nephakamileyo, ungakulibali ukuba nguwe kuphela onokumisela kumntwana wakho isimo sengqondo esifanelekileyo nokuzola imali. Ukuba le inoculation ilibaziseka ngomnye umntu onokubaluleka kweminye impilo, iingxaki zinokwenzeka.
Iintlanganiso zokuqala. Vumela imali ebomini yomntwana ingaba yiminyaka engama-2.5-3, ngexesha elinye kunye nezinye izinto ezincinci. Kuye kuya kuba ngumhlobo nje.
Ukudlala kunye nosana esitolo, sebenzisa iingcamango zabazali bakho: ungathathi iifowuni, kodwa uhlawula imali. Bahlambulule kunye, bawabethe nge-toothpaste - ngexesha elifanayo babonise ukuba imali ingcolile.
Umntwana oneminyaka engama-5-6 ubudala unokwenza iipilisi zamaphepha ahlukeneyo kumazwe ahlukeneyo - kuya kuba, kwindlela, ithuba lokuthetha ngembali kunye nejografi. Abafundi basesikolweni banokukunceda ukuhlawula kwisitoreji, ubeke utshintsho kwikhredithi: "Siqala ukubala imali yamaphepha kwaye siyifake ephaketheni, yinto ebaluleke kakhulu, kwaye ke ke imali."
Ubuhlobo obunzulu. Kancinci, ngamnye umntwana uqala ukuqonda ukuba imali ingatshintshwa kwizinto, iidyski, i-ayisikrimu, ithikithi kwiseksi. Sekuneminyaka engama-4 ukuya ku-5, abantwana banako ukunika iminqweno efanelekileyo phakathi kwebandla-ngokuqinisekileyo, kubandakanywa nemali ethile yokwenza izinto kunye nokuzonwabisa.
Dlala le ngcamango kwiipikethi kunye nedoli ephangiweyo okanye ibhere elinomdla, elifuna, umzekelo, i-ice cream "Gourmand". Kodwa unyaka ngamnye imidlalo yakho kufuneka ibe kufuphi nobomi boqobo.
Abantwana bakhula - iminqweno kunye neemfuno zabo zikhula. Oko akuyinto efanayo. I-Jeans-le mfuneko (kuyimfuneko). I jeans yomyili - lo mkhanuko (ndifuna). Uhlala ufumana ithuba (ndinako). Ukuthenga, kuyimfuneko kwaye ngokwaneleyo ukuba "kuyimfuneko", "Ndifuna" kwaye "Ndiyakwazi" ukuguqula kwelinye iphuzu. Kodwa ...
"Abazali - ama-oldies ekugqibeleni banakho- isikhalazo kwi-psychologist oneminyaka eyi-14 ubudala, uPavel N. - Bafumanisa oku oku" Ndiyakwazi "kuphela into eyimfuneko" kufuneka ", ukuze ungahambi!" Qaphela ukuba uPasha akapheli " . Kwi jeans evela ku-Armani.
Umsebenzi wabazali, kwaye ngamanye amaxesha weengcali zengqondo, ukuvula umntwana okhulayo ngokwamandla akhe. Ziziphi izixhobo zomlingo zikho, ngokwaneleyo ukuba "zifune"? Indlunkulu nganye ye-tycoon encinci imele kwiintsika ezintathu: i-pocket imali, inikwe kwaye izuze.
IZINTO EZINTATHU NEZINTATHU EZINTATHU
Iindleko zePokoth. Ininzi kaninzi iifizi zemihla ngemihla zifuneka ngokwenene kubantwana abaneminyaka engama-6-7 ubudala. Izinto zenkcitho ziyinxalenye yokutya - ijusi okanye umqulu kwikhefu. Kodwa unokwenza ngaphandle kwengubo! Iiruble eziyi-15 ngosuku zi-ruble ezingama-30 iintsuku ezimbini. Kwaye ungalondoloza bunjani ngoMgqibelo ... Musa ukumgxeka umntwana ukuba uyasindisa. Kodwa kuya kuba sisilumko ukuchitha imali, ukubeka phambili kuqala, kuba nzima.
Ootitshala bakholelwa ukuba ngaphakathi kweenyanga eziyi-3-4 umntwana ujwayele ukuqwalasela ukuzinikela, ukugcina imali ngokuchanekileyo, ukukhumbula ukuba bangaphi na. Yiloo nto ehlulekayo kubantwana abancinci - oku kuceba. Ayazi ukuba "iiveki ezintathu kamva" ziphi. Ukuba uhlawula ipokheji inyanga kusengaphambili, akukho nto iya kuhlala kubo emva kweentsuku ezingama-5-6. Ngoko ke, kwiminyaka yokuqala, banika imali ubuncinane kanye ngeveki.
Iipokethi zamaphepha ephakamileyo kunye nokwanda kwabantwana bethu. Ingakanani ukuhlawula? Ayikho iresiphi yendawo yonke. Nangona uhlala usondele kumntwana kumntwana, unokucinga ngokucacileyo iimfuno zakhe zangempela. Ngaba wayenentombi? Abahlobo baye bahlala behlala kwindawo yokuzivocavoca? Kuya kufuneka uqwalasele le ndleko, kunye neendleko ze "glands", i-cinema, cafe ...
Kubalulekile. Imali ye-Pocket ikhishwe kwiimali ezimiselweyo kwixesha elichazweyo, abaxhomekeke kwingxelo (nangayiphi na imeko, icacile) kwaye ayikwazi ukurhoxiswa okanye ihlawulwe xa kwenzeka ilahleko okanye inkcitho engafanelekanga.
Izipho. Uninzi lwezengqondo zeRussia zikholelwa ukuba ukunikela imali kumntwana ukuya kwiminyaka eyi-14-16 ubudala akufanelekanga. Gxininisa kwiminqweno yakhe - ewe, khetha kunye naye - ewe, isandla kwi mvulophu - hayi! Ixabiso le mvulophu liguqulelwe njengalokhu: "Ndineemali, kodwa akukho xesha. Andikhathalele ukuba unomdla kuni, ziziphi iingcinga zakho zixakeke nazo. Beka iinyawo zakho ezandleni zakho kunye nawe. "
Ukuba kunjalo esinye sezihlobo sanike isiqwenga sephepha - vuyisana nomntwana! Kodwa isihloko: "Khumbula, uphupha igaraji lezimoto? Ukanina uIra walivakalelwa! Ngomso siza kunye ukuthenga isipho egameni lakhe. " Ngomntwana osemva, a manani aya kudlulela, kwaye ayifuni. Yithetha nje: njani uya kulahlela imali - uya kuyidla i-ayisikrimu okanye uya kuthenga into efanelekileyo?
Kubalulekile. Umntwana akufanele achithe imali enikeziweyo njengento embi. Vumelana ukuba ubeka phambili isibonelelo, kwaye uthatha isigqibo kunye kunye kwibhunga lentsapho.
Umsebenzi wabantwana. Akukufanelekanga ukuxoxa ngale ngxaki: ngaba ndihlawula imali yokufunda, ukucoca okanye ukuhamba inja? Musa ukuphazamisa ukukhuthazwa okuphezulu kwezi zinto zemihla ngemihla-umnqweno wokuzihlakulela kunye nokuphumelela, umnqweno wokunceda abazali, uthando lwezilwanyana. Enye into ibhonasi, iibhonasi ezihlawulwe "ixesha elingaphezu kwexesha". Sula iileyile ezi-6 ekhitshini, uqokelele iilitha ezingama-2 zama-raspberries e-dacha-lo ngumsebenzi wangempela womntu oneminyaka engama-6-7, apho ungawuvuza khona. Inketho egqibeleleyo - abasebenzi basekhaya, abaza kukuvumela ukuba ufumane encinane okanye ugcine. Ngoko, umzekelo, intsapho kaMisha K. oneminyaka engama-12 kabini ngonyaka ichitha ifestile kwiofisi kabawo. Ingxenye yemali eyayifumana idliwa ngokuqhelekileyo kwi "Baskin Robbins", kwaye ibhalansi iyahlula ngokulinganayo. Yaye nangona kulula ukuba uMama anike uMisha le mali (intsapho ayihluphekanga), ngesizathu esithile uye wayilungiselela le "subbotnik" iminyaka emithathu, ngamanye amaxesha athatha abahlobo bakaMisha.
Ngokusemthethweni ungafumana umsebenzi ukususela kwiminyaka eyi-14. Ngokomzekelo, izithuba zeposi, umgqugquzeli, umgcini-mhlaba kunye nomthengisi wesikhangiso, abaselula bayakufumana kulula ukuhlala ehlobo, ngeeholide. Eyokuqala "imisebenzi" iya kufuna okanye incede ukuphuhlisa izakhono zonxibelelwano zentsha, ukukwazi ukujonga imephu, ubale ixesha. Intlawulo ephezulu eMoscow i-rubles eyi-6.5-8 yamawaka ngenyanga. Ukuba umntwana wakho okhulileyo wenza isigqibo sokukhangela umsebenzi - musa ukuhamba phambi kwendawo yokuhlala! Kulula kuwe ukuba uqaphele kwaye ulawule iziphakamiso ezibuzayo kwaye ngokukhawuleza "uphendule" abo bemi. Kodwa! Indawo yokugqibela ekukhethiweyo kufuneka ifakwe ngumenzi wesicelo.
Kubalulekile. Umntwana unelungelo lokuchitha imali eyimali. Kodwa ukuba ufuna ukuthenga ikhekhe ye-ayisikrikhi yintsapho yonke, ngumqondiso omhle. Kunokwenzeka ukuxelela amabali kwangaphambili ngomvuzo wokuqala wobawo, ugogo, udade ophezulu.
Ekupheleni kwintlanganiso yethu yomzali ephuculweyo, abantwana kunye nemali abazange bahambisane neengcamango ezingahambelaniyo. Kodwa ndifuna ukuqwalasela ukuba, nangona yonke imizamo yabantu abadala, ngamanye amaxesha abantwana basesendleleni yokuba. Abantwana beba imali. Kutheni?
IINKCUKACHA ZOKUSEBENZISWA KWEENKQUBO
1. Inkathalo engapheliyo kubazali. Abantwana abaphulaphulayo bazame ukukhangela ingqalelo nangendlela - khangela, ndiyisela! Ngendlela, ngexesha elifanayo nantoni na into ingaba yinto yokuba. Kwaba nokweba izinto ezivela esikhwameni sam handina apha "
2. Imfuno yokuzimela. Omnye u-classy ulingela ibhola, okwesibini kwimathematika yonke ixesha, ingalo iyasondela. Yaye ukuba akukho mntu okanye omnye-njani ukuphuma? Oku kuya kuba ukuthenga "ipro" epholile, ukuze bonke baxhamle ukubona! Ingakumbi kwiintsholongwane.
3. Umnqweno wokuba ungabi mbi kunezinye. Kujoliswe okokuqala kwiimidlalo, kwaye-ke kwiingubo, "iigadgets" kunye ne-pocket money.
4. Isihendo sokungahlawulelwa. Xa imali "ingekho i-akhawunti", xa umama kunye nobaba bekhawuleza ngamaphepha kwiipokethi kunye nabakhi be-dresser, umntwana akanakuphikisa.
5. Ukuphanga kubafana abadala - oku kwenzeka rhoqo kwisikolo okanye kwididi.
INKCAZELO YOMFAKATHI:
UNatalia Panfilova, wengqondo yengqondo
Kuza kuhlala kukho abantu abacebile kunani. Unokukunceda njani abantwana bakho bathathe le nto? Baqala ukuvavanya nokuthelekisa amandla okuthenga eentsapho ezahlukeneyo ukususela kuma-6-8. Thelekisa kwiimidlalo zokuqala, kwaye ke iimpahla, indlu, imoto. Kwaye imibuzo iqala:
- Mama, kutheni singenalo ibhobho lokubhukuda kweli lizwe? Kutheni uKatya eqhuba umqhubi? Ngaba uza kuthengela ibhasikiya njengoPavlik? Bhoom ngokuphendula ngomsindo: "Asinalo hlobo lwemali, shiye yedwa," - ayikho inketho. Uqhuba ingxaki ngaphakathi, uvuse umona nokuhaha emntwaneni, ulahle ukuzithemba. Njani ukuba?
Umthetho wenombolo 1. Ungalahlekelwa ngumnxeba - uxhulumane! Ngabantwana abakhulileyo, unokuthetha ngekamva: "Kukhwele kwakho akukho nto iya kutshintsha. Ngaba ufuna imoto enjalo - makhe sicinge ngento kwaye nini kuya kufuneka ukuba sikwenze. Ngokuqinisekileyo siya kunceda. " Abantwana, ngokuchaseneyo, tshintsha, kunye nesikhashana: "Ucinga, ibhayisekile! Siya e-zoo kusasa noTata. " Kodwa musa ukwakha izicwangciso ezide ezide, ngomntwana omncinci ngonyaka - ke ungaze ube.
Umthetho wenombolo 2. Musa ukucinga ukuba abantwana bayaziqhenya kuphela ngezinto. Ngaba uyazi ukuba ziqhayisa njani izinto zethu? Umama we-volleyball, u-volleyball kayise elunxwemeni, umzalwana omdala emotweni wahamba ... Ukunyamezela ngokunyanisekileyo umntanakho ukunyaniseka kwimpumelelo yakhe yentsapho kunye neentsapho.
Umthetho wenombolo 3. Imali yemali umntwana kufuneka ixhomekeke kwizinto ezintathu: a) amandla oontapho, b) iimfuno zomntwana, c) inqanaba lempahla yabalingana nabo. Ezi zinto zilingana!
Umthetho wenombolo 4. Izinga lokusingqongileyo, ukusingqongileyo ukhethe kwangaphambili. Ngaba kufanelekile "ukukhukhumaza", ukufumana imali yesikolo esikolweni, ukuba umntwana wakho uya kuba neentloni ngeemoto zakhe zesiTshayina okanye izitya ezincinci? Khetha isikolo, icandelo, studio, apho akudingeki ukuba uze kwi-stallion yakho kunye ne-diamond cufflinks.