To be a simple father, cultivate children's correct consumption view, because many parents love their children very much, so it is easy for children to form vanity of comparison, which leads them to pursue famous brands and easily lose themselves. Let's look at being a simple father and cultivating children's correct consumption concept.

Be a simple father and cultivate children's correct consumption concept 1 suggestion 1: Dad doesn't follow others in clothes.

Like father, like son, if a father loves to follow the fashion in food, clothing, housing and transportation. Children will be influenced by it invisibly and will be compared with people around them in these aspects.

When he finds out whether others have him or not and his own is not as good as others, his heart will be unbalanced. If his parents can't satisfy his comparison psychology, he will suffer, hold grudges and even have psychological problems.

Dad can form his own independent and correct values, not influenced by external things, and children will follow his father and be satisfied with learning. Besides, if they concentrate on their studies, they will naturally get good grades.

Recommendation 2: Don't let children indulge in the pursuit of famous brands.

Children's habits and temper are habitual, and dad should take a clear-cut stand in this respect and not be soft-hearted. If the child makes unreasonable demands, you can't promise him no matter how you cry.

Children's demands are endless. If the father meets the requirements of children's famous brands for the first time, there will be a second time and a third time ... this will make the child's vanity swell and finally it will be difficult to clean up.

Recommendation 3: Let children establish a correct view of comparison.

Dad should establish children's comparative view from an early age, not to let children compare in food, clothing and play, but to let children compare in study. This is the most beneficial comparison.

Clothes are different every year, even every season and every month. If children only pursue the trend of famous brands, it will never end. Dad doesn't have that much energy to meet the children's demands all the time.

In this rapidly changing and rapidly updating era, many things will be eliminated with the passage of time. Only knowledge is eternal wealth, and only a learning brain can keep pace with the times. Let children establish a correct concept of comparison, so that children do not blindly follow and do not go with the flow.

Recommendation 4: Let children set a clear goal.

If a child has a very clear goal, he will have no distractions and concentrate on his own goal. Dad should guide his children to set clear goals in life. This goal should be set for long-term development, not for the pursuit of eating, drinking and having fun. Goals should be specific and meticulous, set small goals in big goals and realize them step by step.

This is the role of goals, which can divert children's attention and focus people's attention on one point. Dad can strengthen the guidance in this respect, inspire children to set up correct life goals and let them work hard for them.

Suggestion 5: Tell children simple celebrity stories.

Celebrities in history only care about their own careers, but don't care about their living conditions. Do they eat delicacies and wear mink? Dad should always tell children stories about famous people, so that children can be inspired by the simple living of these famous people and get rid of the vanity of pursuing famous brands.

Be a simple father and cultivate children's correct consumption concept. Parents should establish their children's correct consumption habits from an early age and fully integrate them into daily life. Through full-time opportunity education, let good consumption habits go deep into children's hearts.

With the progress of the times and the rapid development of economy, more and more parents know the importance of financial education, so they begin to give their children pocket money.

However, these parents did not think deeply, and their ideas and practices on how to cultivate their children's financial management concepts were very vague. They even give their children pocket money according to their current intuition, or change the rules at will just according to their intuition. It will be difficult for these parents to make timely adjustments to their children's emergencies.

The author gives an example that I often hear. Wenwen is an only child. Because her parents are often busy with work, she doesn't have much time to take care of her daughter, and she is afraid that her daughter has no money.

Therefore, they often give their daughters more pocket money than their actual age to make up for their guilt that they can't accompany Wen Wen. Besides, no matter what Wenwen asks, her parents will try their best to satisfy her. As for how Wen Wen uses his pocket money, they never care.

So Wenwen has developed the habit of spending money like running water. Every time I go shopping with my mother, she will buy a bunch of goods, which is very fulfilling. Because of the unrestrained consumption in Wenwen, Wenwen has no pocket money available every time near the end of the month, so she will ask her parents for more pocket money.

Consumption habits that must be cultivated since childhood

Many cases similar to Wen Wen have different performances in different children, and everything depends on how parents re-educate their children with money.

For example, if a child decides to spend all his pocket money in the middle of the month or even at the beginning of the month, he will surely think that he will have no pocket money to buy his favorite stationery, candy he wants to eat, cute little dolls and other consequences for a long time to come, and he will bear the consequences of spending all his pocket money on impulse.

Because life is full of many different trade-off decisions, when making a choice, we should not only consider the cost of the decision itself, but also consider the highest price of the option abandoned because of this decision.

All the choices and the cultivation of sense of responsibility will be gradually established with the discussion and coordination between parents and children on the acquisition and expenditure of pocket money.

In fact, all kinds of bad phenomena in children's consumption behavior are closely related to their parents' usual consumption habits. Some parents want to cultivate their children's good financial management values, but they can't do it themselves, so they can't set up a good financial management model for their children.

Tingting, a friend of the author, is the best example. She is a middle-level manager of the company, and her husband is a doctor in an orthopedic hospital. To others, her life seems to be quite happy.

In her spare time, Tingting often goes in and out of many senior health spas to do some daily skin care, which costs several thousand yuan each time. She often takes her daughter Xiao Rong to the shopping malls to choose brand-name clothes that have just been listed. The shopping malls are all boutique stores located in high-end areas.

Therefore, under the influence of her mother, Xiaorong also became a small shopaholic. Her schoolbag, pencil case and eraser are all imported from abroad, and the price is very expensive.

Once, in order to get a lovely bear eraser, she even threw away the old eraser and bought a new one in the name of losing it. One day, Tingting made a table of her monthly expenses. She was surprised to find that Xiaorong's consumption amount was almost the same as hers.

When Tingting told me about her daughter's consumption behavior, I pointed out directly that Xiaorong had become so extravagant because of her influence.

After listening to my explanation, Tingting decided to change herself, no longer advocating famous brands, and even went to a health SPA once a year, and began to read books on financial education, hoping to correct Xiaorong's incorrect consumption habits.

In fact, everyone is making progress with limited resources. Tingting's daughter Xiao Rong is too extravagant.

It is because Tingting didn't set an upper limit for children's pocket money and didn't teach children how to exchange limited money for what they want, which led Xiaorong to think that life is to constantly consume and update products.

However, consumption habits, like all schoolwork, need constant practice to learn the consumption skills needed in life. In view of this, parents who love their children should never think that a sound sense of values and responsibility will automatically appear on their children with pocket money.

Parents must make a lot of preparations in advance and think about their children's possible rebound and doubts, so as to maximize the role of pocket money and smoothly cultivate their children's correct consumption habits and ability to take responsibility.

In daily life, almost every decision we make is related to money. If children grow up and discover the importance of financial management, then parents will teach them how to manage money.

Their habits are usually formed and difficult to change, so parents should cultivate their children's correct consumption habits from an early age, and giving their children pocket money is the best start of financial education.

Establish the concept of opportunity cost

The author mentioned the concept of opportunity cost earlier. Opportunity cost refers to the abandoned choice with the highest value, also known as "replacement cost", that is, the so-called "gain will lose".

Generally speaking, the opportunity cost will not change when the value of the abandoned option or the preference of the selector changes. Therefore, when making a choice, we should choose the option with the lowest opportunity cost, usually on the principle that the more you lose, the smarter you are.

When making choices in daily life, simple things may only need to be decided once. More often, selection is a series of processes.

That is to say, after the first decision, a series of choices will follow. If these series of choices are connected, they will change according to different situations.

For example, if you want to go shopping with your family on holidays, you must first discuss the content, time, place and transportation with your family. These choices are all related to the opportunity cost.

In fact, there are many cases related to opportunity cost, whether it is consumption or investment and financial management, almost all of them are related to choice. For example, Mei Mei wants to wear the new clothes she bought yesterday to the company, but it's raining today, so she begins to choose whether to drive or take the bus to work.

The advantage of driving is that you won't get wet because of the rain, but you need to pay for gas, parking fees and so on. However, it's only 30 yuan by bus, but you have to take the risk that your new clothes may get wet by the rain.

Finally, Meimei chose to drive to work. Although some money was spent, the new clothes were bright and intact, and they were praised by colleagues, which made her feel good all day.

From the above example, people will not only consider the actual money expenditure when choosing. Although the related cost of the fare is more than 30 yuan, it can get a good mood. This is the "psychological value" that the author often mentions with children, that is, the "opportunity cost".

It can be seen that letting children understand the concept of opportunity cost is helpful to establish their correct values. Because children who know the opportunity cost, every time they make a decision,

I will make inferences and calculations about the worst or possible situation, and I will also be responsible for my calculated decision. I will not be disappointed or regret in the future, and I will be able to face and handle emergencies calmly.

Take advantage of the opportunity cost in life

The author believes that the flexible use of the concept of opportunity cost in life is not only the key factor to cultivate children's prudent decision-making, but also enables children to develop the habit of considering opportunity cost in everything.

I will take pocket money as an opportunity to train my children to think. When they get or spend a sum of money, they must think twice. I will let them choose all the opportunities for their children to make decisions, and when they choose one, I will remind them again that there is another choice.

For example, for dinner, there are shrimp fried rice that children like, and mixed fried noodles that have never been eaten before. If they choose the assorted fried noodles they haven't eaten today,

I will say to them while carrying shrimp fried rice: "The shrimp in today's shrimp fried rice looks really fresh and smells really delicious. When they saw my expression, sometimes they insisted on trying early, and sometimes they chose their favorite fried rice with shrimp. I will carry out opportunity education according to the situation at that time.

At the beginning, when the author's son volunteered for high school, he always hesitated whether to choose Jianguo Middle School or Normal University High School with relatively free school spirit. I asked him to list the attractions and shortcomings of the two schools. Even if I am an alumnus of Jianzhong, I will not interfere with his choice.

I hope to let him decide the school he wants to go to. Finally, my son was attracted by the open school spirit of the middle school attached to Normal University and chose to attend the middle school attached to Normal University.

Every time a child makes a decision, I won't comment on their choice, because it is difficult to calculate the value lost and gained every time, and each option has different psychological value to the child.

I just hope that before making a choice, they must think about all the pros and cons, and try to think about it for one more minute. When deciding their favorite option, they will think of another decision that they have no choice.

Opportunity cost training in life usually has nothing to do with money. I hope to educate children to have the ability to make their own choices and be responsible for their own decisions, and at the same time, don't let them have the opportunity to regret.

Understanding commodity prices through relative value

Generally speaking, children who have not received financial education have a poor concept of money and cannot understand the differences between 10 yuan, 100 yuan and 1000 yuan. Therefore, explaining the price to children should be explained by relative value. Parents must first convert the price of the goods their children want.

Become another thing that children know and understand. For example, my two babies like cola nuts very much.

So since they were young, whenever I met the babies and saw the goods I wanted to buy, I would convert the price into several packets of cola nuts. No, they also know which things are too expensive and which goods are equivalent to cola nuts.

At first, children may not understand the price of goods. Gradually, they will know more about the price and function of money from the experience of conversion again and again. In the future, when parents want to describe the level of a certain consumption, they can explain the price and value of goods in a similar way. Children will be able to judge the price of goods by themselves and then decide whether to buy them.

Maintain interpersonal relationships without money.

Xiaoxing is my cram school student. Every time he comes to the cram school early, I don't know whether he comes to the cram school after dinner or directly eats the food in the convenience store.

So I asked him my confusion. I didn't expect Xiaoxing to say, "I have to save money to eat before I can buy points to play online games." I looked at his dark circles and knew Xiaoxing must be an online game fan.

He believes that interpersonal relationships need to rely on online games, so he must save money to buy points in order to have a conversation with his classmates.

He mistakenly believes that interpersonal relationships are based on money. I tried to change Xiaoxing's mind and persuade him to play less online games and engage in general leisure activities. Moreover, I told him that interpersonal relationships can't be measured by money. Finally, Xiaoxing listened to my words and never indulged in online games again.

◎ parent-child financial management

1. Divide consumption into necessities, needs and wants.

According to consumer behavior, consumer behavior can be roughly divided into three types, namely, want, need and necessity. As the name implies, necessities are consumption to meet basic survival needs;

Need is to improve their own quality of consumption; If you want to make your life more comfortable, the cost you usually want is dispensable.

Parents should play shopping games with their children in order to let them know what they need, what they need or what they want. For example, whenever a child goes shopping, I always let him decide whether it is necessary, necessary or desirable. For example, eating is necessary, eating is necessary, and eating dessert is desirable.

School needs basic stationery, different kinds of pens, and similar but more fashionable erasers. Finally, children will gradually discover the difference between these three kinds of consumption and discuss with me in different ways.

Please let the children live within their means.

Many children rely entirely on their own preferences when buying goods. They never care about the prices of these goods, as long as they like them.

You'll let your parents buy it. Therefore, parents can continue the concept of opportunity cost mentioned by the author, let children evaluate whether they buy or not, and divide their consumption habits into necessities, needed goods, wanted goods, and even when choosing goods.

Think about the economic conditions at home, save the expenses that can be saved, and then let the children learn to empathize and learn to choose. The things they like must be obtained through hard work, not out of reach.

In addition, parents can also teach their children to choose the most suitable shopping opportunity according to the season, such as seasonal clearance held by department stores every year or seasonal sale.

In fact, as long as we pay more attention to the relevant information, we can certainly buy good quality and low price goods, but we can't ignore the texture of the goods because of the low price. You must examine the goods carefully.

3. Look at advertisements with different eyes

Parents should teach their children to look at advertisements from different angles. Generally speaking, in order to make their sales performance bright, merchants resort to advertising promotion. However, parents should let their children know that in advertisements, some goods must be exaggerated by merchants, and it is not possible to judge the quality of goods only by advertisements.

I like watching advertisements very much, because I think good advertisements can stimulate imagination and creativity, so when I watch TV, I don't watch advertisements changing channels, but observe different types of advertisements.

From what angle, recommend products and observe the atmosphere created by advertisements. I hope my children can look at advertisements with appreciation and learn the concept of marketing from them.

In addition, when choosing goods, parents should tell their children that they must choose the most suitable goods according to their own needs, rather than buying goods according to advertisements.

And teach children to compare price and quality. When they find that advertisements are not the true face of goods, they will know how to choose goods carefully and understand that advertisements are sometimes not so credible.

4. Share shopping steps with children

Parents should share more shopping tips with their children and often discuss with them so that both parents and children can express the same ideas. If the child's consumption purpose is correct and reasonable,

Parents can praise it in time. If children's consumption concept is wrong, they should correct it and share their own shopping methods, such as comparing prices before buying.