你的孩子從小應該懂得的三個金錢觀

It is best to start teaching kids the most important money lessons from an early age. Money has already ruined many happy couples, true friendships, and authentic personalities and it starts affecting modern children as well. Before it is too late, make sure your little ones learn the following money lessons.

最好在孩子很小的時候開始給他們樹立最重要的金錢觀。錢已經毀了很多幸福的夫妻，真正的友誼，以及真實的個性甚至它也開始影響了現在的孩子們。趁現在還不算晚，確保你的孩子學習了以下的金錢觀。

1. Smart money choices make a family life easier

1. 理性消費使對家庭生活有益

Luckily, sometimes my daughter realizes that it is best to buy food than a new toy when our family is very low on budget. I am not afraid to go shopping with her because I know she will not spend a dime on the unnecessary stuff when our fridge is empty. She can even give us her savings when we do not have money for food or anything important.

幸好，有時當我們家預算很低的時候我的女兒能意識到買食物比買一個新玩具更好。我不擔心和她一起去購物因爲我知道即使當家裏冰箱空了的時候她也不會在沒必要買的東西上花費一毛錢。當我們沒錢買食物或者一些重要的東西的時候她甚至能夠把她的積蓄給我們用。

2. Cooking at home is an easy way to save money

2. 在家做飯是一種很容易省錢的方式

Eating out is a part of every modern person's life because it seems impossible to cook with a jam-packed schedule. However, eating out can quietly drain the wallet and destroy your health at the same time. Try to cook together as often as possible to show your kids that cooking at home is actually a fun activity and it is a simple way to save money on a family vacation or a new toy.

因繁忙而沒時間做飯導致外出就餐成爲了當今人們生活的一部分。然而，外出就餐會逐漸消耗你的資金同時毀壞你的身體健康。儘可能經常一起做飯讓你的孩子們知道在家做飯實際上是一個非常有趣的活動，它是省出一次家庭旅行或者一個新玩具的錢的一個很簡單的方式。

I ate myself into debt many times so I do not want her to commit the same mistakes in the future. When she wants a pizza, we make it together. When she craves chocolate, we make some treats together. No need to run to the nearest supermarket to buy the food that is not only expensive but unhealthy as well.

很多次我都是因爲外出就餐而欠錢所以我不想讓她在將來出現同樣的問題。當她想吃披薩了，我們就一起做。當她想吃巧克力了，我們就一起做。不需要跑去最近的超市買食物那樣的話不僅貴而且也不健康。

3. How to hold money safely

3. 如何安全地保管錢

Many children (and adults alike) are guilty of losing money. Even though the amount is not big, it is still money. Your child should learn how to keep cash in a safe place. It is important that your child has a wallet and teach them to keep their money in a safe place in their room. This will help them avoid losing money in future and be more responsible with money.

許多孩子（成人也一樣）丟了錢都很內疚。即使金額不大，可它畢竟是錢。你的孩子應該學會如何把錢放在一個安全的地方。給你的孩子買個錢包並教他們在自己的房間裏把錢放在一個安全的地方很重要。這將有助於避免他們以後丟錢以及對錢更有責任感。

Finally, teach your child to be grateful for what they already have and show them that it is more rewarding to give than receive. No matter your child's age, start teaching them money lessons today. They will thank you down the road. You can learn those money lessons together because adults often commit more money mistakes than kids.

最後，教你的孩子對他們已經擁有的東西懂得感恩告訴他們付出比回報更有價值。無論你的孩子有多大，從今天起給他們樹立正確的金錢觀。他們今後將會感謝你。你也能一起學習那些金錢觀因爲成人相比孩子更容易在金錢方面出問題。