toys emotionally, that any emotional toy there is much more happy, it brings something heaped up with a train or a designer. at some point , it occurred to me, a wonderful idea. i said guys. you have your money, buy it. he says, buy, i say buy, and you just know how it was cut off, yes, that is, they probably don’t need to look. we're probably saving up for something heavy. and that is intuitively. this is the right move. yes, the absolutely right step is exactly the idea that arose in your head, parental, that here is some kind of insight click, that something needs to be done differently and you did absolutely right, because when children have their own financial resource, their brains are switched too. and they start to really understand what i can do. that's how i can do it like this and it seems that you no longer need what parents can finance , but you need to think about something more serious there, maybe put it in a piggy bank and so on, so the step is absolutely accurate and cool that you caught this right on time situation and did so. well, it is no coincidence that in russia there was a fairy tale when a rich father sent his son to work. every time. there, thanks to that respect for the father, they just gave him money. he threw them out. remember money, every time the son saw off with an indifferent look, and then he sent some distant village, where he plowed for this gold. there's a whole year there blood sweat and so on, and then when the father was about to throw it away, but no, dad, it's golden. it is very dear to me. yes, it remains how to start a conversation about money in general, in general in a good way, when a child already enters economic life. that is, he starts buying something. it starts to want. it's two and a half three years. is the child developing normally here? yes, that is, if this is the norm for a typical child, then this is right early and directly begins to enter the economic life and you economic socialization begins in two and a half three years. he can go shopping, he can choose. begins to understand that if he wants something, then it may be something obligatory, what needs to be bought, for example, for the whole family. and that you don’t have to, that is, this story about needs, about desire, he has here yes, and you won’t believe it, so i, on my empirical experience as a parent, went into this story of the financial development of children when we the oldest was 9 months old. well, that is, it was quite a crumb. so it happened that, well, i was kind of on maternity leave and decided to do it. here is the financial education of children, ended her financial career in the bank. and so i decided that now, as if my children are everything, so my house began to simply grow into various elements of the financial environment, because i began to teach other children. to that, for example , those who were in kindergarten in the senior group, that is, six nine months, which i will tell you now, some appeared no, well, what look, the nipple appeared, for example, some piggy banks, i got several piggy banks, shells appeared, which i used as material when i explained to the children. here, well, a trading day, yes, auri shells, you can exchange and so on, that is, evolution, when we explain and my child began to interact with it. i started paying attention to it. i began to show him how to put money in a piggy bank, for example, then at some point he became interested in a wallet, that is, such a wallet there, yes, and, as it were, here many parents from this. well, not for you. it's like cubes for adults. no , this story was not attracted to any typewriter about the fact that various elements appeared in the environment of the house, and he drew attention to this. for me. it was important, and we began to interact with him. here we are with the wallet. he got acquainted with the cards. i slowly explained it all. naturally. you went to the store, and the store. here in this mode of broadcasting there with a list of what we will buy, let's look in the refrigerator, what you have to put him in a cart. according to the list, he specially drew such a list with pictures where it should be circled, and i directly have an evidence base. that's 2.5 years. we are the eldest child circling what he chooses . now what we need goes to the store in the cart , puts everything, unloads it at the checkout, and so on. well, it causes a lot of emotions in everyone around, but in fact it works. this is such a first question boy or girl. who? not not who is faster, listen, it happens differently. well , because here we have a household, four children too, yes, and there is also a girl and she is now 9 years old, and she went into this topic folder already. why in a household? and, because these are children from my husband's first marriage. they. well, family, of course, i know the household, i rather call it professional slang. yes, well, well, according to observations. she went into this a little later, but she showed herself very cool in such a business context. that is, it turned out that she directly earned on some of the needs that were laid bare with us. i needed some plates for a moment i got carried away with bowls. so i think, damn it, i want plates and ksenia just went to the potter. and i'm going to make these plates. well, in fact sold to us. yes, it was unexpected, because as she agreed from the series, she was like that. well, now, i 'll take an advance from you there. well, we are such wow, but before, in general, it didn’t show much. so, in fact, it is now 6 years old, when they are, as it were , very enterprising at the expense of the early ones. i think including dive in. we don’t steal their childhood there, probably a common question, which is often a question. i think, no, and i often get asked. that's good. you are only talking about money. i say, no, of course, we really have some kind of dialogue about money every day in our lives. well, that is, we've since a lot of situations. these are situations, of course, but there is always a little bit, but this is not something that i, as it were , instructively, put him at his desk and say. come on, now we will have a lesson in financial literacy. i'll tell you something there. no. these are just such contexts and i do not think that i am taking away childhood. it's the ordinary life of the ordinary a child who lives simply in economic reality, interacts with money, does not interact with this space at this moment. here is a phrase from parents for 2-5 years, when the question to pitch goes away, buy we have no money. this is generally a taboo. i am not a supporter of what is there, that there is no taboo, you just need to explain to the child what you mean by the situation we have no money. well, because i caught myself, for example, thinking that i was also saying this phrase. but by that i mean not that i have no money. what, for example, there is no money in the wallet in cash, yes or money, for example, is not planned now for some additional purchases. yes and now, if you explain to a child the meaning behind that phrase, when you say, when there is no money, it's quite all right. she's right here in the store right now. yes? no, right here and now. yes, especially for small children. this is all very important. please take a piece of paper and write down that we are actually starting to teach children. here, as anna says, there almost from the cradle. well well from two to three years and all situations. you need to beat here now nothing is postponed for later the question is not what to refuse, but to explain why you do it and the children understand, of course, the children understand, here i will tell you examples again with my own how we entered the history of saving pocket money and so on. well, in general , it is recommended to start giving pocket money there in the range from five to eight years. we started a little early, but it was straight forward. the situation we had was a ritual, we went with him. well, there a couple of times a week after kindergarten in shopping center to buy cars, and at some point we come, and he says, my mother doesn’t want a car there, i want a puppy patrol base, it costs here a puppy patrol base, which costs 7,500 rubles. well, the child was not yet 3 years old. i say, dear, it's great, but i won't buy the base for you now. look how big it is, it will fit all your cars. she costs a lot of money. now i'm not ready to pay so much money. well, he's kind of like that. well, how upset i am. i say, but you and i can save there, what is save, we can buy me cars , we will all put this money in a piggy bank. yes, everything on this, as it were, ended, the story of the moment. we came home so that he agreed, yes, that is, he understood, well, how would i have it once there i was left with empty hands. we came home, and we made a big piggy bank out of the box with our own hands. they painted everything there, glued bazuch patrols on it, and i entered the mode. that's where those very pocket money, yes, that is, i began to give him 200 rubles there. at the beginning of the week it was all so a little artificial. here i give you. well , because otherwise, he will forget him and now this story is not super updated. here, and for a long time we saved up, then i raised it there d500 rubles. to quickly save up, when i saw that interest was already a little lost. well, after a while there a couple of months. he probably accumulated he had this amount of 7.5 thousand. we took it out of the piggy bank. we have added a tracker. that is, we they wrote down what we put in the piggy bank there, i naturally helped him there they introduced all this. here he got it. i say, well, class. you can buy a very puppy patrol base. or you can not buy or spend on something else given the opportunity to choose. yes, here she is. and here is the resource. yes, he chose not to choose dad. more precisely, why the patrol. we never bought it. he spent it on some of his toys. but this is the very essence of what he accumulated, what he was able to do, what he was waiting for. this it was very cool, and the money went. piggy bank just by the fact of the passage of some time or for something there was motivation additionally at first. this story was not. well, that is , it was just what we call pocket money, which is given unconditionally during the week, and on fridays 200 rubles. then 500 rubles. it's just that's definitely money, and now it also continues. it’s just that now he already has more interest in this, when it became clear already at a slightly older age that well, it seems that i want more, that’s when we began to invent any ideas, what else is possible, well , already see how the labor income for this or what? yes, then i actively led a block just for children's financial education, and i asked him to give it and you will pose for me like uh. well, how about as a photographer? i will take a picture and a 200 rubles. here is one right for the
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