6 levels of money consciousness, what floor are you on?
“What should I do with my child’s lucky money?”
There is news like this, after the Tet holiday, Mr. Li in Xi’an, China transferred 1,500 yuan (about 5 million VND) in red packets to his WeChat account for his 11-year-old daughter. A few days later, he discovered that his daughter had spent all her money on video games.
He had to contact many parties to get this money back.
More and more parents know how to respect their children’s boundaries and leave money to their children, but at the same time, very few parents can teach their children healthy attitudes about money.
Because of our lack of money consciousness, we often see news like this:
“A 12-year-old kid rewards Streamer with 10 million in one livestream.”
“High school students spend all their living expenses a month in three days, eating vegetarian dumplings continuously for a week.”
“College students borrow tens of millions online, then have to carry high-interest debt.”
…
How children perceive and handle money depends on their parents’ upbringing. Children’s lack of understanding about money often stems from their parents’ inability to educate them about money.
Yoshiaki Murakami is a famous Japanese investor who, at the age of 10, bought stocks for the first time in his life with pocket money given to him by his father; upon college graduation, this stock is worth 100 times; At the age of 40, the Murakami Foundation, which he founded with a start-up capital of 3.8 billion yen, has grown to nearly 500 billion yen. The Japanese version of the global bestseller “A dog called Money” is also overseen by him.
In a book called “Being friends with money from a young age” (rough translation), he said: a lot of adults think, “it’s okay for children not to understand money”, even less schools. There are lessons about money.
In fact, when growing up, everyone needs to “get used to” money, the sooner you form the habit of money management, you will reduce the bad habit of lacking a healthy concept of money and spending money indiscriminately. .
01
Yoshiaki Murakami was an avid saver since he was a child, his parents’ pocket money always saved him immediately.
Every time he saw the number on his savings book increase, he was always very excited.
But his father told him that “money doesn’t like being alone”.
Meaning, money shouldn’t always be in the hands of one person, it needs to “flow” from one person to another.
To verify his father’s statement, Murakami started saving money first and then investing.
At the age of 10, his father worked out the total pocket money he would spend between now and college and gave it to him.
Such a large sum of money, what to do with it?
Murakami, who had learned to “get used to” money since he was a child, decided to buy stocks because he often read his father’s stock newspaper.
By the time he was in college, those stocks had increased in price 100-fold.
If it is said that money is the blood of society, money circulation is especially important, called “circulation” means spending money for your own happiness, investing to improve the value of money.
If you save all the money you earn, then the “cash flow” stops.
Murakami likes to talk about money, he believes that everything around us can be bought with money, and our lives cannot be separated from money.
As for money, he has four views:
Can’t do without money; without money, dreams are just dreams; in difficult times money will help you; have more money, have more chances to save people in distress.
Money is income from your labor, when you want to spend money to buy something, you must carefully consider whether it is worth the money, with the labor time that you have spent or not. .
02
A worried mother asked Chinese writer Lian Yue:
After giving birth to the second child, the financial pressure was too great, the debt piled up, in order to earn more money, she switched jobs to a newly established insurance company, but the new company was not known to many people, customers are also few, the work is very difficult, wasted more than half a year.
She wants to make more money to change her predicament, but doesn’t know how to plan her career.
Writer Lian Yue replied: Everyone has many reasons to earn money, my life is very stressful and I have to support my family, but the world will not give you money just because you need it urgently.
Money will only come if you provide value to others.
The so-called work is actually like barter. Someone finds value in your work, and you get paid for it.
If you want to do what you love, you must make your work useful to others.
Sony co-founder Akio Morita said: “All the beautiful things we’ve accomplished, none of which can be done quickly, because they’re too difficult and too complicated. ”
The ability to make money is the same, it requires the accumulation of abilities and the honing of time.
To be a person with the ability to make money, you need to be a competent, honest, professional person, and most of all, don’t be too concerned with the short-term benefits of an investment but care more. more to long-term value can be created.
03
In a book called “Money Education for Chinese Children,” the author divides money cognitive development into six levels:
At the first level, children see money as a toy, a piece of paper that can be manipulated at will.
The second layer, the vague sense of money, knows only that it can be exchanged for other things.
The third floor, simple recognition of money, receives the denomination of money, and will use the money to buy things.
The fourth level, the more complex money perception, is aware of the many exchange functions of money.
The fifth level, comprehensive awareness of money, aware of both the material function, mental function and social function of money.
The sixth layer, the renewed awareness of money, the awareness that money can make money.
There are no shortcuts and no magic in making money.
Before entering society, learn how to be friends with money, so as not to put yourself in an awkward position because of lack of experience.
When you don’t have to worry about life, boldly use the extra money to invest, so that even if you fail, you don’t have to worry too much about it.
at Blogtuan.info – Source: cafebiz.vn – Read the original article here
