Parent Guidance In Teaching Money Management To Children

Yıl 2008, Sayı: 15, 140 - 157, 09.05.2013

Seher Ersoy

Öz

Parents are also responsible to their children for guiding and bringing in responsibilities about money management. The best way for children to learn money management in natural family environment is to give them pocket money regularly, but parents should be careful about some factors related to financial counseling while giving pocket money to their children. For example, parents should not use pocket money as a way of punishment or reward, parents should increase pocket money each year to a degree parallel to the age of the child, encourage children to use their own money, teach them to spend money in a planned way, teach them to accept the existence of a savings category for their pocket money, and allow them earn extra money as they get older. By this way, new generations that are aware of how to manage their money in the most rational way may be raised in this economical environment which becomes more diversified and complicated day by day. Therefore, the aim of this study is to provide useful information for parents about teaching money management to their children in the best way.

Anahtar Kelimeler

Money management, pocket money, spending plan, child, parent

ÇOCUKLARA PARA YÖNETİMİNİ ÖĞRETMEDE EBEVEYN REHBERLİĞİ

Öz

Ebeveynler, çocuklarına her konuda olduğu gibi para yönetimi konusunda da rehberlik
etmek ve sorumluk kazandırmakla yükümlüdürler. Çocukların para yönetimini
doğal aile ortamında deneyerek öğrenmelerinin en güzel yolu ise onlara düzenli olarak
harçlık vermektir. Ancak ebeveynler çocuklarına harçlık verirken finansal rehberlik adına
bir takım hususlara dikkat etmeleri gerekmektedir. Örneğin; ebeveynler harçlığı ceza ya da
ödül aracı olarak kullanmamalı, çocuğun yaşıyla orantılı olarak her yıl artırmalı, alışveriş
esnasında kendi parasını kullanmaya özendirmeli, harcamalarını planlayarak yapmayı
öğretmeli, harçlıklarında tasarruf kategorisinin varlığını benimsetmeli, yaşları arttıkça ek
para kazanmalarına fırsat vermelidirler. Böylece her geçen gün çeşitlenen ve bir o kadar da
karmaşıklaşan ekonomik çevrede parasını en rasyonel şekilde nasıl yönetmesi gerektiğini
bilen ve sorumluluklarının bilincinde olan nesiller yetiştirilebilir. Bu nedenle bu çalışmanın
amacı, çocuklarına para yönetimini en doğru şekilde öğretme konusunda ebeveynlere
yararlı bilgiler sunmaktır.

Anahtar Kelimeler

Para yönetimi, harçlık, harcama planı, çocuk, ebeveyn

Kaynakça

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