Ngaba Ufundisa Abantwana Bakho Imfundo Engalunganga Imfundo?

by UJohn Chatzky

Xa intombi yam yayineminyaka emihlanu ubudala, sasincokola, andiyi kulibala. Sasisemotweni, emva kokuba sishiye ivenkile apho ndingayi kumthengela umdlalo ayewufuna. Ngokukodwa, ndathi kuye, "Asinayo imali."

Mpendulo yakhe? "Hamba uye kumatshini uze ufumane."

Kwakuyiyokuqala ndandicinga ukuba ngaba-ngokumane ndihamba ngendlela yam - ndifundisa abantwana bam izifundo ezingekho mthethweni. Enyanisweni, into eninzi kuthi sinetyala. U-Susan Beacham, umbhali we-"OMG: I-Guide Yomgaqo-mali Yabafundi beeKholeji". "Ukuba udibene nemali, jonga kwisibuko. Inokuqala ekuqaleni kwesibeleko. "

Nazi ezinye iindlela eziqhelekileyo eziqhelekileyo zokuba neengcamango ezingalunganga zabazali kunye nezenzo ezingathumela imiyalezo engafanelekanga ngemali kubantwana bakho.

01 I-Mistake: Ayikho imodeli yokuziphatha okuhle

Isifundo: Ngaphambi kokuba bahambe baye esikolweni samabanga aphezulu, bafunda kuwe ngaphandle kokuba ungathethi igama.

Ukulungiswa: Yonke indlela, indlela efanelekileyo yokufundisa abantwana bakho kukubonisa izinto ezifanelekileyo zokwenza. Oko kubonisa , uBeacham ugxininisa, engaxeleli. "Ukuba ufuna abantwana bakho basindise, musa ukushumayela ukusindisa," kusho uBeacham. "Thatha kunye nawe ukuya ebhankini ukuze wenze idiphozithi ." Emva koko uchaze inkqubo yinyathelo-nge-nyathelo.

Ngokufanayo, cinga ngesigijimi esine-stack yeebhili ezingakhokhelwa kwi-counter counter. "Thatha i -bill yexesha elidlulileyo kwaye uyibeke phambi kwesikolo sakho esiphakathi ... uthi, 'Le nto ifike kum kwaye ngoku ke le kholomu ibonisa ukuba kungakanani oku kuya kubiza ngenxa yoko. Kodwa ndiya kukulungisa kwaye ndihlawule namhlanje. '"

02 I-Mistake: Njalo ukuvumela umlingani wakho ahlawule

Isifundo: Izingane ziyaqaphela ngaphezu kokuba uqaphela. UKimberly Palmer, umbhali we "Smart Mom, Umama Ocebileyo" ukhumbule ukuba wayefumene umkhwa wokungathathi ikhredithi yakhe xa ephuma ekudleni, kuba umyeni wakhe wahlawula yonke into . "Kwakungumkhuba oseleyo ovela kumhlobo. Ndiyawuvumela umyeni wam ukuba akhokhe, "utsho. "Ndabona ukuba intombi yam ayizange ibone ukuba ndihlawule izinto, kwaye yayiyiqonda malunga neminyaka emihlanu. Yacinga ukuba ngumsebenzi kababa."

Ukulungiswa: U-U-turn. U-Palmer uthi ngoku uyaqinisekisa ukuba abantwana bakhe babone ukuhlawula izinto. Kodwa uyaphinda akhankanye ukuba ayinayo ngokwaneleyo yokwenza, kufuneka uxoxe ngawo. Uthi: "Xa ndihlawula umrhumo wamanzi, ndihlala nendodakazi yam kufuphi nam. "Umrhumo wamanzi uza kunye necarati ebonakalayo. Kulula ukuba aqonde oko. Yindlela elula yokubonisa into oyenzayo ngemali kunye nendlela ohlawula ngayo izinto. "

03 I-Mistake: Ukusebenzisa iPlastiki ngaphandle kokuyichaza

Isifundo: Unako konke unokufunayo, nanini na xa ufuna, ngaphandle kokuba uhlahlole imali okanye uhlawule ngemali yangempela.

Ukulungiswa: Ubuninzi bempilo yethu yangoku ayibonakaliyo, ngenxa yokuba zenzeke ngekhompyutheni kwaye zingabikho imali ebonakalayo yemali. Ngoko kufuneka uhambe ngezingane zakho ngokusebenzisa ukuthengiswa ngeendlela ezidlulileyo izizukulwana.

Fundisa abantwana bakho indlela ukusebenza ngayo iibhanki kunye namakhadi-mboleko . Chaza ukuba imali oyisebenzisayo - yakho yokuhlawula - ifakwe, ngokuzenzekelayo, kwi-akhawunti yakho yasebhanki. (Kwabantwana abadala, ungafuna ukucacisa ukuba iintlawulo zithathwa.) Qaphela ukuba nayiphina imali oyikhuphayo kwi-ATM okanye uchithe ngokusebenzisa ikhadi lakho lokubambisa livela kuloo mali. Uze ubonise indlela ukuthengwa kwikhadi le-credit card kuphakanyiswa ngayo njengemigca yemida kwi-bill yakho yenyanga, oya kufuneka uyihlawule ukuze uphephe umdla. Njengoko abantwana bakho bebeqhubele phambili kwizakhono zabo zamatriki, bonise indlela umdla onokuphindwa kabini okanye kathathu intengo yento ngokufutshane.

04 Inkohlakalo: Ukungathethi Ngomali Ngaphambi Kwezingane Zakho

Isifundo: Ngokomphando ovela kwi-T. Rowe Price, amaphesenti angama-71 abazali ayanqikazi ukuxoxa ngezinto zezimali kunye nezingane zabo . Yintoni abantwana abayithatha kuyo kukuba kukho into emalunga nemali eyinto embi, ihlazo, okanye ihlazo.

Ukulungiswa: Yenza ukuthetha ngemali kwinto yansuku zonke. Qala intsha, xa ikhona kwikotori yevenkile yokuthenga, ngokubakho incoko yangaphandle - kunye nawe, ukuba kuyimfuneko - malunga nokuba kutheni ama-apula e-organic ayabiza ngaphezu kwezinto ezingezizo kunye nokuba i-brand brand ye-oatmeal ibaluleke kakhulu ngaphezu kwegama lomkhwa. Injongo kukubanika ukubonakala kwenkqubo yakho yokucinga. Njengoko bekhulile, bathethe ngeengcamango emva kokusindisa, ukutshala imali, nokunika isisa , uBeacham uthi. "Ukuba ufanele uthi hatshi, yongeza ngenxa yokuba. Kwaye makungabi 'kuba ndithe njalo.' "

05 Inkohlakalo: Ukulwa Nemali Ngaphambi Kwezingane Zakho

Isifundo: Awukwazi ukungavumelani malunga nezimali ngaphandle kokuqhawulwa kwingxabano.

Ukulungiswa: Vumela abantwana bakho ukuba bakubonele wena kunye neqabane lakho ukuba neengxoxo ezinengcamango malunga nexabiso elifanelekileyo lokuchitha into ethile - umzekelo, isidlo sakusihlwa, okanye ifenitshala entsha. Ingcamango kukuba bayakubona ukuphazamisa okanye ukungavumelani nokuqhubeka nokugcina ubudlelwane obuqinile kunye nothando. Nangona unenkcitho enzima ngokwezimali, awufuni ukukhusela abantwana bakho ngokupheleleyo, uthi uMarty Allenbaugh, uCFP kunye noT. Rowe Price. "Lixesha elihle lokubafundisa malunga nento eyenzekayo ukuze ungadlulanga imikhwa emibi kubantwana bakho."

06 I-Mistake: Ukwenza Impembelelo Ukuthengwa Ngexesha Eliqhelekileyo

Isifundo: Awunayo ukucwangcisa imali yakho. Unokuchitha namhlanje, kwaye ujongane nayo ngomso.

Ukulungiswa: "Xa abantwana befikelela kwiminyaka emi-5, banokuqala ukuqonda ukuhweba kwezorhwebo ngaphambi kokuthenga," utsho uAllenbaugh. Ngako-ke, memezela ukuba ucinga ukulibazisa okanye ukungenzi ukuthenga okuthe ngqo. Ukwenza oku kanye ngexesha elaneleyo, uthi: Nguwuphi umyalezo omele uzame ukuphinda ukuphinda ngeveki.

07 I-Mistake: Ukubethelela abantwana bakho xa bekwenza iimpazamo zemali

Isifundo: Akukho miphumo kwizenzo zabo. Ukuba badinga imali, baya kuba neyodwa.

Ukulungiswa: Ukuqala omncinci, makabe bazive bathengi (nokuba ngumtyalomali) bezisola. Xa basebenzisa isibonelelo sabo okanye imali yokuzalwa ukuze bathenge abaScickers xa bethanda ukuba ne-M & Nksk, okanye itekisi elincinci eliphulaphulayo, babanike uvelwano lwakho. Kodwa ungabathengi entsha. Bavumele ukuba baxakeke ukuba kulungile ukuba bachithe imali yabo kulo xesha elizayo.

Iingcamango Zokuvala

Ukuba uthumela ezinye zezi myalezo kubantwana bakho, kha thazeka: Akukaze kube mva ukubeka umgudu wokucoca isenzo sakho. "Yintoni eyongxangayo ngaphezu kweempazamo zemali endleleni, [ongenakufunda] kwaye uyaphumelela," kusho uBeacham. (Kunye noKelly Hultgren)