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影响孩子一生的36种好习惯(11)

发布日期:2010-06-26 14:08:57编辑:admin

英国哲学家培根有句名言:“金钱虽然是好仆人,有时候也会摇身一变,变成坏主人。”事实上正是如此,许多生活在富裕家庭的孩子由于缺乏理财教育反而对金钱有一种依赖,从而失去了自己的能力。而生活在贫穷家庭的孩子,由于经常性地需要精打细算,反而对金钱有一种强有力的控制能力,结果,两种孩子的命运非常不同。

安德鲁·卡耐基曾经说过:“不要以为富家的子弟,得到了好的命运。大多数的纨绔子弟,做了财富的奴隶,他们不能抑制住任何的诱惑,以至陷于堕落的境地。要知道,享乐惯了的孩子,绝不是那些出身贫贱的孩子的对手。一些贫苦的孩子,甚至穷苦得连读书的机会也没有的孩子,成人之后却成就了大事业。一毕业就投入社会的苦孩子,开始做着非常平凡的工作。可这些苦孩子,也许就是无名的英雄,将来能拥有很丰富的资产,获得无上的荣誉。”

这也是许多家长重视孩子理财教育的原因。在当今市场经济的新形势下,每个父母都很有必要让孩子从小就树立正确的金钱意识,懂得金钱需要用劳动去获得而且要学会节约用钱,绝对不能“一掷千金”地挥霍,从小就要有意识地培养孩子自主理财的能力。实际上,理财教育只是一种工具和手段。教育的目的并不是让孩子学会攒钱,或一定要让他经商,而是要让他成为一个能干的、健全的、真正的人。从眼前来看,要让孩子养成不乱花钱的习惯;从长远来看,培养孩子的理财能力将有利于其及早形成独立自主的生活能力,从而在社会中具有可靠的立身之本。因此,说到底,理财教育还是品质的教育。因为,这关系到孩子将来以什么态度去从事那些与钱财有关的活动,也关系到孩子在生活中为人处事的价值观。

乱花钱是许多孩子尤其是独生子女普遍存在的问题。许多父母对孩子宠爱有加,孩子要什么就给什么;许多孩子吃要最好的,穿要名牌的,家长总是宁愿自己节约,也要省下钱来满足孩子的愿望,他们总是说:“唉,为了孩子……”于是,孩子就变本加厉,内心的欲望不断膨胀,这样不仅父母无法承受,孩子的心灵也会被金钱所扭曲。

上海最近进行的一项调查显示,绝大多数的孩子都有零花钱,九成以上的孩子存在乱消费、高消费、理财能力差的问题。随着独生子女的增多,一些孩子在消费方面存在很多问题,比如不知道钱财来之不易,花钱大手大脚,盲目攀比名牌时尚等,这都不利于他们健康成长。

与欧美等发达国家相比,我们孩子的理财教育相对比较欠缺。在美国等许多发达国家,父母从孩子3岁左右就开始对他们进行理财教育。

欧美发达国家的父母认为,培养孩子自主理财的习惯,最主要的是要让孩子正确理解金钱。要让孩子认识到金钱在生活中是必需的,要得到想要的东西就必须用钱交换;要让孩子认识到自己所花的钱都是父母辛辛苦苦用劳动换来的,不是想要多少就有多少的;要让孩子认识到钱不是万能的,金钱并不能买来亲情、健康、生命等人生最重要的东西。

那么,在日常生活中,应该怎样来培养孩子理财的习惯呢?

建议一:端正对孩子的爱。

邓肯曾有一段很精彩的话:“我每次听到别人谈论,多赚些钱留给子孙,我总觉得他们这种做法,夺去了儿女种种冒险生活的乐趣。他们多遗留一块钱,便使儿女多一分软弱。最宝贵的遗产,是要儿女能自己开辟生活,能自己立足。”

约瑟夫·雅各布斯是一位白手起家的美国建筑业巨头。1971年的一个傍晚,他和妻子在加州帕萨迪纳的家中与三个女儿就自己的巨额财产如何处理的问题进行了一次严肃的谈话。 “因为我非常爱你们,” 约瑟夫·雅各布斯慈爱地说,“所以我决定不留很多钱给你们。”然后,他给女儿们讲了很多人生的道理,谆谆教诲她们要学会自立,自己去创立人生和财富。在得到女儿们的赞同后,他签字把自己的大部分财产在自己死后捐献给慈善事业,每个女儿只得到100万元——这只是他巨额财产中很少的一部分。

什么是爱孩子,每一个父母都有不同的体会,但是,有一点是明确的,溺爱不是真正伟大的爱。在中国,由于大多数家庭是独生子女,父母对孩子的爱是不用细说了,但是,许多父母给孩子的爱都仅仅局限于表面。比如,怕孩子吃苦、怕孩子受累、怕孩子被人看不起等,这些事情本来应该让孩子通过自己的能力去解决,这样有利于让孩子学会做人的起码道理,但是,我们的父母往往用金钱来解决问题。以为给孩子钱,孩子就不用吃苦受累,不用被人看不起了,殊不知,孩子在金钱面前逐渐地失去了能力,失去了品格,这样的爱能说是伟大的吗?真正的爱应该是注重培养孩子的能力和品格,让孩子能堂堂正正地做人。

约瑟夫·雅各布斯事后是这样解释自己的行为的:“父母如果溺爱孩子,这可能是他一生中最糟糕的事情。”其实,约瑟夫·雅各布斯认为应该让孩子对金钱有一种正确的观念,如果孩子坐拥巨额家产,不用劳动也能满足他们的各种贪婪的享受,那么这无疑是把孩子推向了堕落的深渊。孩子由于体会不到挣钱的辛苦,他会无法控制自己的贪婪,从而做了金钱的奴隶;一旦某天他没有了钱,就有可能受人控制,走向堕落。

在这方面,许多富翁都有相似的看法。微软董事长比尔·盖茨是当今世界首富,他与妻子都十分疼爱自己的孩子,但是在满足孩子们的一些要求上,他们绝对是一对“吝啬鬼”。盖茨从不会给孩子们一笔很可观的钱,当小儿子罗瑞还不会花钱,而女儿珍妮佛已经可以拿着一些零用钱买自己喜欢的东西时,罗瑞总是抱怨父母不给自己买他最想要的玩具车。盖茨却认为:再富也不能富孩子。

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