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mãe e filha colocando dinheiro no cofre
Para ensinar o seu filho a lidar com o dinheiro é essencial seguir algumas dicas, tais como: entrar no universo da criança, dar mesada e ensinar a poupar para render.

É fundamental que as crianças aprendam desde cedo a lidar com o dinheiro, de modo que elas cresçam com educação financeira e capacidade de controlar sua renda sem ficar endividado na vida adulta. Não existe uma fórmula mágica para ensinar as crianças e lidar com o dinheiro: o ideal é que elas comecem a aprender desde cedo e ganhem responsabilidades aos poucos.

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Entre no universo da criança

Não exija que a criança entre e compreenda o universo dos adultos, especialmente quando o assunto é dinheiro. Em vez de tentar fazer com que seu filho entenda juros e as oscilações da economia, prefira começar com lições que tenham relação direta com o cotidiano dela: se o videogame quebrar, por exemplo, explique que o aparelho custa um valor alto e que pode ser necessário economizar para que outro dispositivo seja adquirido.

Dê mesadas

Muitos especialistas defendem que a mesada é um excelente método educativo para que a criança aprenda sobre abastecimento de recursos. A partir do momento em que seu filho tem uma mesada, cabe a você explicar para qual finalidade aquele dinheiro está sendo fornecido e ensiná-lo a administrar os gastos para que não fique sem recursos até a próxima mesada.

Lidar com o dinheiro não é tarefa fácil, portanto é preciso que os valores não sejam elevados: mesadas que giram em torno dos R$ 50 ou R$ 60 são suficientes para começar.

Poupar para render

A partir do momento em que a criança já está adaptada à mesada, você pode partir para lições sobre a importância de poupar para ter um montante maior no futuro. Nesse momento, é importante não ceder às tentativas de empréstimo, caso o dinheiro do mês tenha acabado.

A ideia de poupar diz respeito justamente em ensinar sobre a importância de economizar em algumas coisas para que o dinheiro não acabe no futuro.

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