关于零花钱的问题

viviancn

一直还没开始给零花钱，因为还没想好以下的几个问题。目的是从小学习怎么manage money。

欢迎大家分享，加分答谢。

1. 从几岁开始给？
2. 每周给多少？
3. 给有无条件限制？
4. 怎么花？花有没有条件限制？

拙泥

1.As soon as he knows how to spend money.
2. Depending on his age. Starting from $5 per week.
3. No. It is not his wages. He does not have to work for it.
4. Yes. No lollies or chips( Is this realistic?)

viviancn

拙泥 发表于 2015-8-18 21:32
1.As soon as he knows how to spend money.
2. Depending on his age. Starting from $5 per week.
3. No. ...

谢谢分享，更坚定了我的想法：）
4. 很实际啊。我家一般只有party time才吃这些。

乐陶陶

既然是欢迎大家分享，我也分享下我家的，孩子目前5岁半，在墨尔本的PREP，放学后去afer school care till 5-5:30p.m..

1. 我从来没想过从几岁开始给零花钱这个问题。其一，他每天不愁吃喝玩乐，没明白他要钱干嘛（孩子还在低年级混）？其二，学校里如果有捐款都会发通知，我们都跟孩子说明为什么给你gold coins因为是帮助有需要的人。其它时间想不出在学校里还需要钱来干嘛？其三，周末都跟大人在一起，我们身上的钱就是他的钱，他还要钱来干嘛？

2. 多久给？某次孩子说after school care里有小朋友买冰棒吃，他热了可不可以买？在这种情况下我给了 gold coins, 但告诉孩子只可以热了买冰棒吃，一切lollies, chips都不可以。后来，钱花完了，孩子也没再要，我问过，人家说那个看着好吃其实so so. 当时心里暗喜，觉得从小就培养他不乱吃初见成效（我从不给孩子买零食，华人店或者coles之类的零食专区从来不带孩子经过，个人很固执的认为孩子的成长跟各类添加剂防腐剂的零食没半毛钱关系-----当然，我自己本身也是女生中少有不吃零食不喝饮料的）

3. 给 有无条件？孩子在低年级的时候，没本领自己赚，如果是学校需要或者是社交需要，无条件给。高年级的时候，也许8，9岁的时候，这是某天跟孩子说的，你可以自己去玩儿乐器（孩子刚开始玩 还没到演奏的级别 出门会挨砖），在闹市街头一站摆个帽子，钱就来了，还不是自己伸手找大人要的，多酷！孩子当时是看到个小男孩在弹吉他，表示赞同，同时我也给他一个gold coin让他给了那个男孩子，大概10岁上下吧。

我家没有什么做家务还要给钱一说。这个家难道不是你的家吗 孩子？！是你的家，人人有责爱惜维护建设，所以请把自己的玩具收好，自己的衣服袜子叠整齐了放抽屉里，跟爸爸妈妈一起整理院子捡树枝扫落叶是因为 你爱这个家爱爸爸妈妈，你做的家务都是你的义务和荣幸，没有“帮忙”一说，更没有父母还要以工资的形式给你钱一说，因为我们三个人在做家务的义务上是平等的。

综上，我家不主张给零花钱。长大了需要零花钱的时候也是自己开始独立的时候，开始独立了，就要尝试着自己去赚钱。既然是自己赚的钱，不受限制的花，但需要提前引导，这个引导在很小的时候就开始了而不是发现孩子乱花钱的时候才开始犯愁。我前几天才告诉他，如果他赚了10刀，要留给学校的图书馆2刀，其它的都是自己的，但是要先存起来，想好干什么了再用。孩子似懂

非常有可能有人看了觉得对孩子很苛刻，这年月还有不给孩子零花钱的家长？坦言说，我自己很独立，觉得找父母要钱是很耻辱的事情，小的时候被给的零花钱都存起来逢年过节给家里长辈买东西，从上班起没再拿过父母的钱也觉得不应该拿，他们有他们的生活。所以，在我自己的孩子身上，我也相信他也会很独立，很努力的生活，希望慢慢引导之，养个好孩子。

一个坚决不乱“赏”零花钱的家长

viviancn

乐陶陶 发表于 2015-8-18 22:49
既然是欢迎大家分享，我也分享下我家的，孩子目前5岁半，在墨尔本的PREP，放学后去afer school care till 5 ...

谢谢长篇分享。我也很赞同家务那段，我们做家务都没人给我们报酬的，零花钱跟家务挂钩的确不好。 所有该做的事情，不论有没有零花钱，都是他们应该做的，跟金钱无关。

viviancn

分享一下在网上搜到的建议。Ron Lieber，为华尔街日报和纽约时报写了10多年的专栏，最近出了本书，叫‘The Opposite of Spoiled,’ 觉得说得很在理。

对这本书感兴趣的，amazon上面可以preview里面的内容。

http://www.slate.com/articles/bu ... mpletely_wrong.html


When it comes to kids and money, there are few topics that cause more confusion for parents than allowances. When should you start? Should it depend on the completion of chores? If you give too little, are you a scrooge? If you give too much, will your kids become brats?

Alas, most parents, acting on their own or following the lead of others, get allowances wrong. They start too late, they hand over too little money and responsibility, and they tie the money to the completion of household tasks while asking nowhere near enough in the way of household cooperation. In short, they don’t focus enough on how their kids use money, nor do they push them hard enough around the house, rendering their adult-making efforts wholly half-assed.

The Opposite of Spoiled


This is no big surprise, given how little time parents think about their kids’ relationship with money. For families with above-average household income—the ones with the luxury of asking themselves questions about things like allowances—money talk has traditionally been optional. Parents tell inquisitive kids that the answers to their questions about family finances are none of their business, or they divert the conversation in order to protect children from all of that money stuff for as long as possible.

But in an era in which teenagers make six-figure decisions about college and five-figure ones about how much student-loan debt to take on, the greatest act of protection we can commit is to talk to our children about money a lot more often. And that starts with getting allowance right from the get-go.

When Should I Start?

As soon as your kids start asking about money, since studies show they’re already sizing other children during their preschool years. The child-development Ph.D.s who work behind the scenes at Sesame Street determined that preschool-age kids can distinguish between wants and needs (and Elmo told me as much when I interviewed him several years ago). So that’s not a bad time to start.

If not then, do it right after the tooth fairy comes. Kids will find money under the pillow, sense its power, and want more. Rather than have them try to pull out additional teeth, as some do, best to begin allowance that same week.

How Much Should Allowance Be?

Start with a dollar a week or so per year of age, and divide the money among three containers: save, spend, and give. This is a rough approximation of an adult budget, so it’s literally foundational.

More importantly, the jars are stand-ins for the values that we hope to imprint through conversations about money. Spending is about modesty, thrift, and the prudence to shell out (and even splurge) for things that bring kids the most joy while avoiding mindless outlays for plastic junk they will quickly break or forget. Saving instills patience in a world that increasingly conspires against waiting, delivering television without commercials and movies without Blockbuster. And giving is about generosity as well as gratitude for how lucky you are to be able to help others.

Give your kids just enough so that they can get some of what they want but not so much that they don’t have to make a lot of difficult trade-offs.
Allowance should eventually go up—way up, if you can afford it. Kids crave responsibility, and we should heap it upon them starting at age 10 or so. Try setting a clothing budget each July, item by item, depending on what you’re willing to pay for in each category. Maybe yours is a Target family for briefs and panties, but you shell out for Hunter boots and Patagonia coats. If so, say so, so kids know how and why you’re making each decision.

Once you know the entire budget, hand it over in a lump sum. Do the same for athletic equipment, musical instruments, art supplies, and anything else you’ve deemed a need. Then, stand back and watch them fail spectacularly. No bailouts; you should want them to feel their mistakes deeply and earn money to solve their problems if need be. Better now than at age 24, when errors lead to wrecked credit scores and worse.

Allowance amounts can vary, but here’s the big idea: Give your kids just enough so that they can get some of what they want but not so much that they don’t have to make a lot of difficult trade-offs. Let them own those, so they know what it’s like to make financial decisions that resemble grown-up ones.

But Why Even Bother?

Allowance is instructional, and money is a tool for learning. We don’t yank kids’ books or art supplies when they don’t finish their chores (or don’t do them well, or whine while doing them), so we shouldn’t take money away either.

Most parents link chores and allowance. If you do, there will come a point when your kids have enough money and decline to do chores. What are you going to do then? Sure, leverage is important. But far better to take privileges away than money when kids neglect their tasks. Screen time, car keys, and soccer practice are all things they get or get to do because we let them. Most kids value at least one of these far more than money.

viviancn

我还是会给零花钱的。虽然我们满足小孩的衣食住行，但看到喜欢的玩具，总是想买的，这个时候，给他们零花钱，让他们自己决定是买这个，还是买那个，会是不错的练习机会。这个总比他们大了，不会管理自己的欲望和金钱，不断透支信用卡要好得多。

dabaili

我看到的是四个罐子，还有一个是investment.

dabaili

我本人也是反对干家务给钱的。

夏乐猫

小的如果 每天认真练琴，认真完成作业，认真吃饭，都会得到五角星~到了一定数量可以有零花钱。虽然说是零花钱，但是不需要她花在自己身上，因为她的合理要求我都会满足她。
这个零花钱是存着，在外公外婆生日的时候买礼物的。她现在五岁，我希望 她对于爱不光是得到，也要学会付出。外公外婆现在不在身边了，给他们一个惊喜，那种快乐，我希望她可以体会。

annie6252

我家儿子14岁，小时候表现好就会有，但是他从不拿出去花，只是一个鼓励。五年级的时候，他说有时候放学天气热想吃冷饮，我就一周给两块五（是不是有点小气），但他不是每周都花掉，现在还是表现好就有鼓励，我觉得不是钱的问题，是一种精神上的鼓励，不知道这样做对不对。

夏乐猫

我不支持干家务给钱，因为这个是对家庭的付出，是因为爱~

LittleKing

我赞成楼上的，不支持干家务给钱，这是每个家庭成员对家庭的付出。。。

现在儿子kindergaden, 每个星期可随便在我抽屉里挑一个硬币，什么面值都可以。但学校买东西，需要先跟我商量。

viviancn

继续分享网上的 Allowance 101

夏乐猫

谢谢加分

calla27

viviancn 发表于 2015-8-19 10:52
继续分享网上的 Allowance 101

说得太好了。

viviancn

这里有对这本书的中文介绍

http://www.beimeigoufang.com/newsd/newsdetail_637-1.html

milkzhan

我家是从4年级开始不定期的给点零花钱（根据孩子的表现），一般孩子用这些钱买点我认为不需要但是她想要的小东西（例如小零食，指甲油），大部分钱都是攒下来，或者被罚掉（例如丢了东西要赔，就用她自己攒的钱赔）。但是今年她对钱的认识更深刻了，需求也更大了，特别是今年下半年。我现在给她的零花钱主要通过以下方式：

1，为了鼓励她坚持体育锻炼，每周六早晨网球比赛给5刀，她可以买零食花掉或攒下来；每周四早晨游泳也有5刀；如果她做了特别好的事情，也有2-5刀的奖励。这些钱她可以自由支配，可以我帮她买但是她要还我钱。
2，对于一些大点的支出，我们认为不需要，但是她觉得需要（例如买衣服买首饰买玩具等），可以买，但是需要从日常生活中省下这笔钱，例如每周在外面吃饭就要根据花的钱缩减（因为孩子最喜欢在外面吃饭，所以首先缩减这方面的钱）
3，对于一些她想要我们也认为需要买的东西，都会尽量满足，但是会有budget，如果她想超出budget，参照第二条。

gsh1001

1. 从几岁开始给？
今年YEAR 1,刚好学coin，于是为了让她有概念，开始给。
2. 每周给多少？
每周2，因为学校不定期要捐gold coin.
3. 给有无条件限制？
表现好了，会给1元作为奖励，但是告诉她，有严重错误时要扣，有奖有罚。
4. 怎么花？花有没有条件限制？
带她去smiggle,让她知道她喜欢的东西多少钱，如何存钱，取舍。带去去商店，让她知道日常物品多少钱，让她商品的价值观念。

将来走上社会，个人认为，理财的重要性要大于挣钱的，孩子这一课要早点介入。当初儿子没有进行理财教育，现在都是懵懵懂懂的，对钱这一块意识不强。

stellabj

正好在想这个事，好好收藏