What kind of experience is it like to solve the financial crisis for parents at the age of 12? In 1837, Friedrich Froebel, a German educator, founded an organization for the development of instincts and spontaneous activities for children.
Froebel, who loves nature, believes that children are like plants in a garden that should be cared for and grow vigorously. The teachers in this institution are like gardeners in the garden and should take care of the children with love and care. In German, kinder means children, and garden means garden, so he gave this kindergarten activity organization a new name-kindergarten (Kindergarten).
In the next 200 years, Froebel's followers expanded the kindergarten. Some people believe that young children are liberated from the life of oppressed child labor, but they are unknowingly sent to another shackle.
The modern education system that has long been popularized and the derivative things that come with it, while protecting and educating children, it also forms a new kind of restraint and restriction, and clearly draws many activities that were not clearly marked. The boundaries.
Professor Jurgen Zimmer, a famous German child psychologist, believes that the concept of the word "child" throughout CEIBS has obviously underestimated the potential of children to learn skills and engage in business activities.
This is the case in Europe, where educational concepts are relatively developed, and the potential problems in the field of children's education in my country may be more severe.
"Puppy Money Money", a story book for children, can solve parents' confusion about children's financial education, and can even inspire adults.
The protagonist Gina is 12 years old and lives in a less affluent family. Mom and Dad are often at a loss due to financial problems. Until one day she adopted a puppy, and unexpectedly discovered that the only talking puppy was full of wisdom about wealth. With the guidance of the puppy and the help of the people around, Gina gradually learned how to make money and spend money correctly. Money, step by step, realized the wish that was out of reach, and at the same time helped parents get rid of financial difficulties.
The author Bodo Fischer is a famous German investor, entrepreneur and best-selling author, and is known as "Europe's number one money coach". At the age of 26, his trading company suffered a financial crisis and debts were high, but just 4 years later, he gradually got out of debt and achieved financial freedom. So he decided to spread the knowledge of financial management to others, published the book "The Road to Financial Freedom", and compiled some of the methods in the book into "Puppy Money Money" to educate children on how to form a correct sense of money.
Why do we need wealth education for children? The
ancients believed that the second day of the second month of the lunar calendar was a good day for the dragon king to raise his head and rain. Farmers regard this day as a grand festival, and spring plowing is about to begin. It is recorded in the "Emperor Century" of the Jin Dynasty that Fuxi, the head of the "Three Emperors", emphasized farming of mulberry and farmed the fields.
From ancient times to the present, it has long been a consensus that labor creates value, generates wealth, and brings social progress.
But in modern education, labor and wealth do not seem to be part of the lives of children. Parents tend to over-protect their children and lack the necessary guidance and education, resulting in the importance of wealth not being realized until the children reach adulthood or even after graduation from school.
Correspondingly, the many advantages that financial education brings to children will also be buried.
Stimulate enthusiasm and tap potential
Professor Zimmer believes that business activities are a game that stimulates enthusiasm, and making money is not a boring thing. It can bring exciting moments and tap the potential of invention.
Parents who isolate their children from making money simply because it is a chore to make money to support the family may have to reflect on it and see if there is any deviation in their attitude towards work or money.
The little protagonist in "Puppy Money Money", after accepting the puppy’s suggestion and finding ways to make money, found that life has become more interesting. She met many people in a different way than before and did a lot of interesting things. Dialogue, this point also confirms this truth.
Perceiving risks and responding
to business activities in advance means experiencing risks. Decisions made at every important juncture may affect returns. If you cannot assess the situation and make correct judgments, you may have to pay a price.
This is a business society, or general knowledge of the real world, but this should not be exclusive to adults. In the repeated challenges, children will analyze the environment more clearly and understand themselves more accurately. Each evaluation adds a piece of experience to prepare for greater challenges in the future.
Think about the truth and experience life.
Compared with the children who ask for money, the children who have experienced the difficulty of labor and the hard work of making money will be more able to cherish and use limited resources with a rational attitude, and will not be reduced to constant expansion. Slaves of the desire for consumption
In a modern society where material desires are rampant, allowing children to cultivate a smart and simple lifestyle from an early age will benefit them throughout their lives. The realization that a high-quality life lies not in the accumulation of materials, but in the leisurely enjoyment of life and the promotion of friendship Relationship, engaging in artistic or creative activities.
Parents may ask questions. Since these are compulsory courses for children after they enter the society, it is better to wait until then to experience them. When you are young, you only need to study hard and obediently.
生命体的成长是一个综合的过程。与其让孩子在混沌中形成有偏差的价值观，长大后为错误的决策付出代价，湖边的柳树作文400字（https://www.yuananren.com/zuowen/526.html）然后才意识到是根源的问题，花费大力气改正，不如从小就开始尝试历练，在经历中遇到各种各样的问题，进而反思、学习、改进、提升。等到了彻底面向社会的时候，才能以一种相对健康成熟的心智和底气接受各种挑战。The concept of money comes from family feedback and self-recognition
. In the story of "Puppy Money Money", Gina learned a lot of new knowledge through several exchanges with wealth mentor Mr. Jin. The most important thing is that she learned an attitude towards money from Mr. Jin:
money is a natural and ordinary thing.
This kind of money concept is mature and healthy, adults should reflect on this, and children should be regarded as goals.
The lack or deviation of financial education is partly because parents’ unhealthy attitudes towards money affect their children. Whether it is a family atmosphere that strongly worships money, or an extreme view of despising money and thinking that money makes people bad, it will affect children in a subtle way.
Such a family atmosphere is not necessarily intentional by the parents. Every family may encounter some financial problems to some extent. But if you don’t give clear guidance and rely solely on your child’s own feelings, the child may avoid or deliberately refrain from thinking about money-related matters, which is the so-called “money as dung” attitude; it may also be too fancy for money. Position, put it above other precious things.
Correct financial education is very important, and it is not even directly related to the financial status of the native family. Affluent families may also cultivate money-loving "Grandet" because of negligence in discipline; parents who easily meet all the material needs of their children may also neglect the importance of teaching their children to "make money".
From the perspective of the person at the center of the financial vortex, the author believes that many people do not care enough about their financial situation, so they have adopted the "ostrich tactic", thinking that if they are invisible, the problem will not exist. But in fact, if you leave it alone, the existing problems will become a negative force and reduce the quality of life. In essence, the problem lies in the lack of courage and the inability to truly courageously pursue the life you want in the face of crisis.
If you want to properly cultivate your children's financial quotient, this is probably the most direct advice the author gives parents.
In addition, the attitude towards making money is also a reflection of personal confidence.
Puppy Qianqian warned Gina that whether she can make money, the most important thing is not whether she has a good idea or how smart she is, but how confident she is.
I once heard a teacher share a case like this. One person invented an automatic wok, so he wanted to start his own business. The investors were very optimistic about this project, so they strongly supported it. A long time has passed, but it has not been put into production. Investors kept asking questions and finally found that the inventor kept adding less important functions to the product, even adding Braille to the side of the pot, and the investor was speechless for a while.
The inventors are always timid, worried that mistakes will occur if they do not think well, and always think about all the possibilities before they start to take action. The root cause is lack of confidence in yourself.
Believing in your own abilities does not make people blindly arrogant, but believes that when problems arise, they have the ability to solve problems in a timely manner. When facing unknown situations, you can trust yourself like a reliable friend or mentor. Only in this way can you promote progress.
From this point of view, cultivating children's self-confidence is not only about showing themselves bravely and expressing themselves in front of others, but also about affirming and trusting themselves.
Wealth planning
started from the doll. Before Gina knew the puppy money, she only had a few marks of pocket money every month. Buying a beloved CD would easily spend a month of pocket money; but then she had a complete wealth Portfolio, investment funds, accumulation of dream savings, and generous pocket money, planning to study abroad in the United States, and even helping parents to get rid of financial crisis.
This change is surprising. To sum it up, at the very beginning, Qianqian gave Gina some very important suggestions:
Wish list: If I had money, how would I use the money?
Wish visualization: Make a picture album with pictures or visual objects depicting desire to give yourself enough incentive
to prepare dream piggy bank
thinking how to make money: the principle is familiar to dig deep in their own areas, rather than coveted uncharted territory, then focus on one thing
to start These preparations mean that the child has already begun to prepare to make money. As a parent, if you can guide and encourage your children to this step, it means that you have made very good progress.
It is worth mentioning that the story specifically mentions doing housework to earn pocket money, something that parents all over the world will consider. The author borrowed money and Qianzhikou explicitly opposed this approach. The reason is that children, like their parents, are members of the family. While enjoying the value created by mom and dad, they should also make their own contributions to the family. Parents have never asked their children for anything, and the reverse is unreasonable.
Success diary
Do not underestimate the imagination and creativity of children, parents need to do is to encourage and guide. Children who lack self-confidence think that they are unable to communicate with the outside world and cannot make money. Parents can encourage their children to keep a success diary every day, so that they no longer focus on their shortcomings, but record what they have done and what they have achieved. Great progress, build self-confidence, and be proud of yourself.
The success diary is also a process of rethinking and understanding the world. If you can develop this habit and have the opportunity to think deeply every day, you will get to know yourself more and more. It is possible to understand others and many things in the world by understanding your own wishes.
The true meaning of persistence.
Cultivating a good habit of recording a success diary can also cultivate the quality of persistence. After Gina got a new job, she was only happy for a while, letting her busy life break the habit of keeping a diary.
This is also a problem that many adults encounter when they develop habits. If you are particularly busy at work, you may omit the evening exercise. If you make progress and want to do something to reward yourself, you can comfort yourself and say that it doesn't matter if you don't check in for a day to memorize words.
What is persistence? Don't change, don't waver, be consistent. It's easy to keep the habit in the free time, but when you are busy, you still have to do business as usual. If you acquiesce in your mind that once you face a choice, you will sacrifice the diary, and that is the most valuable part of losing it.
The safe way is to bypass this fork in the road, without making tangled choices, and without expending precious willpower. Internalize important things into habit, do these things regularly at a fixed time every day, let it become immobile, and will not be disturbed by mood, chores or even the weather.
There is a saying in the "Warring States Policy", "Parents' beloved sons have far-reaching plans." However, blindly satisfying all the material requirements of children, and training children into docile and obedient little sheep, seems to cultivate sensible and well-behaved talents, conforming to professional quality education, in fact, it may unknowingly stifle the cultivation of creativity and many things. Opportunities for important abilities.
In "Puppy Money Money", Bodo Fisher provided another possibility of "planning far-reaching", teaching children to spend money, make money, and plan for money from an early age, trust their judgment and enterprising spirit, and give them Enough encouragement, cultivate entrepreneurial spirit, let children grow up soundly in an independent and independent way, and lay a solid foundation for the future.