Children

Why education allowance is important for children and adolescents – Economy

Educational Allowance is a sum of money that parents and guardians pay to educate children and adolescents on a regular basis. But the allowance is not just money. Among other things, it is possible to incorporate the subject into the lives of young people involved in issues such as sustainability, environment, and cost-conscious.

The goal should always be to teach kids how to manage their own money. As the child begins to earn a certain amount each month or every week, he begins to realize that he needs to organize himself so that everything is not spent at once. He realizes the need to make choices and sometimes has to give up.

“Through planning and dialogue, this allowance helps develop skills such as responsibility, money management and decision-making,” explains Gabriel Roisner, co-founder and CEO of Mozpar, a fintech that helps parents, parents and guardians. Educate children and adolescents to make smart and responsible financial decisions.

However, as the effects of consumerism become smaller and smaller, the main guideline is that children and adolescents are financially educated from an early age, according to Reinaldo Domingos, president of the Brazilian Association of Financial Education Professionals (ABEFIN).

“Lack of patience and endless craving for new things are signs that children and young people may be becoming consumerist and should be financially educated. The norm is that they learn to save as soon as possible to achieve their dreams,” said Guide Domingos.

Abefin, president of the book “Allowances are not just money” emphasizes the importance of “showing that even those who think they do not give their children allowances are mistaken, as every child, from the age of three, begins to interact with some amount.” .

Voluntary donation is a form of allowance, but not systematic. Contact with paper money can also occur indirectly in childhood, when the child sees his parents buying or selling things; And directly, when he started to have some money in his hand.

“The information presented in this thesis goes not only from the financial point of view but also from the social, environmental, solidarity entrepreneur’s point of view, and other ways of relating money to reality in a way that is beneficial to all. , Financial, third party, economic, entrepreneurial, environmental, exchange and social. “

The school creates internal social currency

Colonel Philomeno Ribeiro State School, Montes Clarus, north of Minas, has twice received the Entrepreneur Education Award. The method has been interdisciplinary since 2016. An internal social currency was created, the Liuro, which rewards entrepreneurship, creativity, participation, innovation, among other actions.

At the end of reading a book, the student receives a coin that can be used in the student co-op, explains director Clelema Rodriguez Martins Mendes. “If you have read 25 books, you will receive a check for co-operative application or withdrawal, there is a ‘shopping do bum letter’ space, where you can buy toys, books, school supplies, money management, and educational materials, including each. Skills and qualifications are developed. “

Tapestry is one of the examples of an interdisciplinary educational module. Design begins in Tapearia Aladim, a geometry class where, in addition to stimulating imagination, in science and chemistry they study the structure of matter derived from disposable wastes, where they interact in geography and environmental conservation forms. Production is sold at the Entrepreneur Fair.

“This education practices the overflow of knowledge to family members. It is a way to strengthen the family budget,” Klelema explained. The school has three levels of education, primary I and II and middle and 259 students are enrolled.

Number of limits

According to psychologist Vnia de Moraes, allowances are a good way to give children and adolescents a sense of limitation (to keep them within the prescribed limits). In addition to learning financial management, allowances create a valuable opportunity to develop emotion-control skills.

“Waiting for the best moment to save, plan, and get something more valuable, leads the child to form the idea that he will get what he now has in exchange for something more valuable if he knows how to wait. Will change, not just in their relationship with money, but in other areas of life where emotion can lead to catastrophic decisions “, Vnia explains.

Valeria Lanna, a mathematics teacher at the Escola Estadio Pandi Calgaras in Belo Horizonte, warns that financial education is increasingly becoming an important tool for students to realize that they can plan for a better life if they have a plan. Financially

“What am I going to do with my allowance? Am I going to the movies? Am I going to buy the glasses I really want? Or am I going to save them for that party in October? How do I show the student? Calculate interest or continuous discount?” For, so that they know how to take advantage and understand the various incredible propaganda that the media spreads. Come out, work with an uncompromising life just to pay interest or bills “, says Valeria

Here are some tips to help kids save money, according to Reynaldo Domingos:

Consider paying allowances

If there is constant contact with the child’s money, frequently asking for a price, consider paying an allowance. Keep in mind that the concept of allowance goes beyond just paying a monthly amount. Furthermore, the norm is that the youth or child saves a portion of this value and uses the other portion for use. It’s not fun to save everything, let’s consume everything – you need to be balanced when it comes to money.

Talk about dreams

Every child or young person has desires and dreams, which may be material (such as having new toys and books) or non-material (for example travel experience). Take a few moments in a pleasant environment to talk about your dreams. So that the child always has dreams in his mind, ask him to draw and talk about each of them. So he will have a constant urge to do them.

Teach Piggy to save in the bank

It is interesting to note that children save in three piggy banks of different sizes and colors for their dreams, one for each dream: short-term (up to one month), medium-term (up to six months) and long-term (up to one year).

See if the school discusses financial education

Several schools in the region offer financial education classes for students, so it is important to understand how your child’s school deals with this issue and if it does not, try to encourage perspectives on the subject. When the responsibility of educating children financially is shared, the results are even better.

Give examples

Children learn a lot through observation and example, so it is important for parents to have a financial education, save for their own dreams and conscientiously achieve perfection.

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