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    小學生賒賬百元買零食,家長怒砸小賣部:不跟孩子談錢,傷害有多大?

    發布時間:2019-06-21丨發布者: 丨 閱讀次數:428

    01


    最近,湖南一位家長把孩子學校附近一家小賣店砸了。

    原因讓人哭笑不得。


    他的孩子在這家小賣店賒賬百元買零食吃,眼看「債臺高筑」,臨近暑假了卻沒錢還,于是回家偷錢,被發現了。


    買零食?賒賬?還偷錢?

    面對自己孩子的斑斑劣跡,家長快氣炸了,卻全部歸咎于小賣部:你都不認識我們,就賒賬給小孩?


    于是,這位家長怒不可遏,一氣之下沖到小賣部,砸了個七零八落。


    當然,沖動一時爽,砸后得算賬。

    很快,這位家長就被民警行政拘留了。


    5d0cac73b793a.jpg

    這件事迅速引發了網絡熱議:


    給小孩賒賬是信任,你砸店是無賴。

    管不好兒子,又不能打自己,總要想辦法推卸責任。

    看著這樣的家長,就知道為什么有這樣的孩子。


    說到底,誰之過?


    小賣店,有錯。賒賬給未成年孩子,而且累計百元,助長孩子貪吃零食、賒賬、過度消費等不良習慣,確實不妥。 

    孩子,有錯。沒錢就不該買零食,未經家長同意不該賒賬,還不上債更不該偷錢。


    可是,孩子的這些錯,是誰造成的呢?


    如果有零花錢,他就不會因為沒錢買零食而賒賬;

    如果有正確的金錢觀,他就知道消費要量力而行,更知道不義之財不可取;

    如果和家長之間有良好的信任,還不上債就會向父母求助,而不是悄悄去偷。


    而這一切,是父母的金錢教育出了問題。


    我們重視孩子的智力開發、興趣特長、情緒教育,卻唯獨對與生活息息相關的金錢教育避而不談。


    有些人總覺得和孩子談錢,多俗,可卻不知道,不談錢,危害有多大。


    02


    曾有一個街頭采訪,讓00后小學生們回答對錢的態度和看法。


    記者問了孩子們這樣的問題:你覺得誰最有錢?多少錢算有錢?


    “我們學校的校長,我覺得他有一億多。”

    “特朗普,他大概有十棟別墅。”

    “爸爸最有錢,他有三萬多,每個月能賺一百多……”


    有一個孩子的回答讓人哭笑不得,他覺得“一千多萬算有錢”。


    記者又問:“你爸爸一個月能賺多少錢”,這個孩子脫口而出:“一個月幾千多萬……”

    微信圖片_20190621180809.jpg

    這些五花八門的答案,也許會讓人覺得童言無忌,但仔細想想,能感受到這些孩子對金錢幾乎沒有概念。


    他們不明白錢的來之不易,也不理解錢的價值。


    在他們眼里,也許錢就是能換來東西的一張紙。


    有網友就感嘆:現在的孩子真是對錢一點概念都沒有,自己舍不得用的辛苦錢轉眼就被他們用光了。


    最近有條新聞,浙江嘉興的一位媽媽收到一條微信提示,打開一看竟然是兒子的微信退回的轉賬未領取通知,金額高達2000元。


    自己從來沒有給兒子轉過帳,怎么會有退款?


    媽媽查了轉賬記錄之后,發現原來兒子從去年起就用手機一直不停地給自己轉賬,從幾百到幾千甚至上萬,都是拿去給游戲充值。


    5d0cacb355e00.jpg

    《富爸爸,窮爸爸》的作者羅伯特·清琦說:


    “如果你不能及時教孩子金錢的知識,那么將來就有其他人來取代你。比如債主、警方、甚至是騙子。讓這些人來替你對孩子進行財商教育,恐怕你和你的孩子就會付出更大的代價。”


    03


    金錢教育,本質上就是教會孩子如何正確對待「獲得」和「擁有」。


    如果孩子不明白如何正確「獲得」金錢,可能會付出慘痛代價。

    8年前,一位高中生得知賣腎「來錢快」,于是為了買一部蘋果手機,賣掉了自己的一顆腎。


    結果呢?這筆「快錢」帶來的愉悅沒持續多久,他就因為身體狀況急劇惡化住進醫院,父母為了給他治病欠下巨額醫療費,不僅拖垮整個家,自己朝氣蓬勃的青春也永遠劃上了句號。


    還有些女孩為了賺「快錢」賣卵,對身體造成不可逆的傷害;

    有些孩子走上高利息網貸的不歸路,讓人扼腕嘆息。


    近年來,孩子因為不知道如何對待「擁有」,胡亂花錢的教訓也不少。


    7歲男孩小李盜竊父親8萬元充游戲,添置了一大批游戲裝備;

    11歲小女孩洋洋,5個月內給網絡主播打賞將近200萬元;

    16歲女孩打賞男主播50多萬,而這是家里給弟弟治療尿毒癥的救命錢。

    微信圖片_20190621180906.jpg

    這些孩子天生很傻、很壞嗎?并不是。


    他們最大的問題是對金錢沒有概念,不知道父母賺錢的艱辛,不明白這些錢的價值,更不知道在何時、為何事應該花錢,該花多少錢。


    所以,他們經不住花花世界的誘惑,聽了幾句好話就慷慨解囊隨意揮霍。


    人可以賦予財富善惡性質,但財富本身不會改變人的善惡。

    在這些案例中,錢并沒有錯,是孩子對金錢的認知出了錯。

    而對金錢的認知,需要父母耳濡目染地傳遞給孩子。


    如果你在生活中沒有表現出對金錢的崇拜和追逐,而僅僅是當做生活的一種工具,勤勤懇懇地賺錢,理性地消費,那么孩子也會這樣去處理與金錢的關系。


    只有知道錢為何物,孩子才會明白什么是勤儉、富足和慷慨。


    04


    真正智慧的父母,既不會在孩子面前哭窮,也不會在孩子面前炫富。


    因為眼下的生活只是暫時的,未來你想要的,都需要你自己去爭取!


    李嘉誠在兒子7,8歲時,就在家里舉辦“項目小組”。每當兒子有了想達成的心愿,就會召開“項目會議”。如果李嘉誠判斷“項目”有意義,就會鼓勵兒子為了目標去執行和賺錢,他會在一邊指導和監督,比如教兒子尋找兼職獲取收益。


    巴菲特的父親是股票經紀人,從小就不忌諱和兒子談錢。一方面讓兒子學會賺錢,比如讓他去賣報紙;另一方面,也會在業余時間教兒子了解金融市場,巴菲特還是孩子時就已經能畫出股票走勢圖。

    微信圖片_20190621180931.jpg

    ↑上一篇:從小自律的人,究竟有多厲害?
    ↓下一篇:高考填報志愿必須吃透的那些事兒!
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