{"id":965,"date":"2021-10-05T16:58:01","date_gmt":"2021-10-05T13:58:01","guid":{"rendered":"https:\/\/www.cursvalutar.ro\/blog\/?p=965"},"modified":"2021-10-05T16:58:03","modified_gmt":"2021-10-05T13:58:03","slug":"cum-sa-oferi-copilului-educatie-financiara-intr-un-mod-creativ","status":"publish","type":"post","link":"https:\/\/www.cursvalutar.ro\/blog\/cum-sa-oferi-copilului-educatie-financiara-intr-un-mod-creativ\/","title":{"rendered":"Cum s\u0103 oferi copilului educa\u021bie financiar\u0103 \u00eentr-un mod creativ"},"content":{"rendered":"

\"\"Atunci c\u00e2nd vine vorba despre educa\u021bia celor mici, unul dintre cele mai eficiente \u0219i de succes lucruri pe care le putem face este s\u0103 le d\u0103m un exemplu pozitiv \u0219i s\u0103n\u0103tos. Iar \u00een ceea ce prive\u0219te educa\u021bia financiar\u0103, situa\u021bia nu st\u0103 deloc diferit.<\/p>\n

A\u0219a cum este important s\u0103 oferim copiilor exemplul unui stil de via\u021b\u0103 s\u0103n\u0103tos, un comportament social educat \u0219i empatic, \u0219i educa\u021bia financiar\u0103 ar trebui s\u0103 fie integrat\u0103 \u00een modul \u00een care ne cre\u0219tem copiii.<\/p>\n

Iar acest aspect este cu at\u00e2t mai important cu c\u00e2t educa\u021bia financiar\u0103 nu este \u00eenc\u0103 \u00eenv\u0103\u021bat\u0103 \u00een majoritatea \u0219colilor din \u021bara noastr\u0103. De ce este important s\u0103 educ\u0103m financiar copiii? Pentru c\u0103 a\u0219a vor \u00een\u021belege valoarea banilor, c\u00e2nd, cum \u0219i mai ales c\u00e2t putem cheltui \u0219i vor avea un comportament financiar s\u0103n\u0103tos atunci c\u00e2nd vor fi adul\u021bi.<\/p>\n

Bine\u00een\u021beles, av\u00e2nd \u00een vedere c\u0103 vorbim despre copii, acest proces de \u00eenv\u0103\u021bare trebuie s\u0103 fie realizat \u00eentr-un mod creativ, amuzant, astfel \u00eenc\u00e2t ei s\u0103 se dezvolte juc\u00e2ndu-se.<\/p>\n

\u00cens\u0103, \u00eenainte de a le oferi copiilor no\u0219tri educa\u021bie financiar\u0103 trebuie ca \u0219i noi s\u0103 fim disciplina\u021bi din acest punct de vedere. Doar a\u0219a aceast\u0103 educa\u021bie poate fi una constructiv\u0103. De aceea, este important s\u0103 \u0219tii ce tip de cheltuitor e\u0219ti<\/a>, dar \u0219i cum po\u021bi s\u0103 ai grij\u0103 de banii t\u0103i<\/a>.<\/p>\n

\u0218ase modalit\u0103\u021bi prin care putem oferi copiilor educa\u021bie financiar\u0103<\/h2>\n

1. Implic\u0103m copiii \u00een toate deciziile financiare pe care ei le pot \u00een\u021belege<\/strong><\/p>\n

Atunci c\u00e2nd mergi la cump\u0103r\u0103turi, explic\u0103-i celui mic care sunt motivele pentru care alegi anumite produse. Spre exemplu, de ce alegi un brand mai ieftin, dar care are acelea\u0219i caracteristici ca unul mai scump.<\/p>\n

De asemenea, \u00eei po\u021bi explica celui mic \u0219i ce este un buget lunar \u0219i care sunt cheltuielile pe care voi, ca familie, le ave\u021bi. Spune-i ce \u00eenseamn\u0103 cheltuielile recurente \u0219i care sunt acestea \u0219i calcula\u021bi \u00eempreun\u0103 c\u00e2\u021bi bani v\u0103 r\u0103m\u00e2n pentru buzunar.<\/p>\n

2. Nu \u021bine copilul departe de bani<\/strong><\/p>\n

Pentru a \u00een\u021belege valoarea banilor, copiii trebuie s\u0103 \u00eei vad\u0103, s\u0103 \u0219tie care sunt bancnotele \u0219i monedele. A\u0219a c\u0103 \u00eei po\u021bi explica pe \u00een\u021belesul lui care sunt banii din \u021bara noastr\u0103, iar pentru a \u00een\u021belege c\u00e2t valoreaz\u0103 fiecare spune-i ce poate cump\u0103ra cu o bancnot\u0103 sau alta.<\/p>\n

\u00cei po\u021bi spune \u0219i ce este un card bancar \u0219i cum se folose\u0219te. \u00cen plus, pute\u021bi discuta despre c\u00e2te ore trebuie s\u0103 lucrezi tu ca sa ob\u021bii o anumit\u0103 sum\u0103 de bani \u0219i apoi s\u0103 discuta\u021bi cum se traduce acest lucru \u00een bunurile pe care le cump\u0103ra\u021bi.<\/p>\n

3. \u00cencurajeaz\u0103-l s\u0103 pl\u0103teasc\u0103 \u0219i el la cump\u0103r\u0103turi<\/strong><\/p>\n

Un exerci\u021biu bun pentru ca cel mic s\u0103 \u00een\u021beleag\u0103 banii este s\u0103 stabili\u021bi un buget pentru cump\u0103r\u0103turi, apoi s\u0103 calcula\u021bi \u00eempreun\u0103 suma produselor puse \u00een co\u0219. De asemenea, \u00eel po\u021bi \u00eencuraja s\u0103 pl\u0103teasc\u0103 el casierului.<\/p>\n

4. Stabili\u021bi-v\u0103 obiective financiare<\/strong><\/p>\n

Vorbe\u0219te cu copilul t\u0103u despre ce \u00eenseamn\u0103 un obiectiv financiar. \u00cel po\u021bi asem\u0103na cu un vis pentru a fi mai u\u0219or de \u00een\u021beles, spre exemplu visul de a avea o biciclet\u0103 nou\u0103.<\/p>\n

Discuta\u021bi despre valoarea bicicletei pe care \u0219i-o dore\u0219te \u0219i ce poate face pentru a-\u0219i \u00eendeplini acest obiectiv.<\/p>\n

5. Explic\u0103-i c\u0103 banii pot face bine<\/strong><\/p>\n

Discut\u0103 cu cel mic despre faptul c\u0103 banii pot face bine persoanelor mai pu\u021bin norocoase, mediului sau animalelor. Pute\u021bi c\u0103uta \u00eempreun\u0103 ini\u021biative umanitare \u0219i s\u0103 discuta\u021bi cum pute\u021bi ajuta, at\u00e2t financiar c\u00e2t \u0219i non-financiar.<\/p>\n

6. Educa\u021bie financiar\u0103 cu ajutorul car\u021bilor<\/strong><\/p>\n

Acum po\u021bi g\u0103si c\u0103r\u021bi pe teme financiare pentru orice v\u00e2rst\u0103. Po\u021bi \u00eencepe prin a \u00eei citi de la varsta de 3-4 ani c\u0103r\u021bi precum Conni prime\u0219te bani de buzunar<\/a>, Capra lui Beatrice<\/a> sau O singur\u0103 g\u0103in\u0103<\/a>. \u00cen cazul \u00een care copilul t\u0103u \u0219tie deja s\u0103 citeasc\u0103, o idee bun\u0103 de carte este R\u0103zboiul limonadei<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"

Educa\u021bia financiar\u0103 este un aspect important \u00een dezvoltarea copiilor, \u00een special din pricina faptului c\u0103 majoritatea institu\u021biilor de \u00eenv\u0103\u021b\u0103m\u00e2nt din \u021bar\u0103 nu acoper\u0103 aceast\u0103 nevoie. Afl\u0103 din articol cum s\u0103 oferi copilului t\u0103u educa\u021bie financiar\u0103 \u00eentr-un mod creativ.<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-965","post","type-post","status-publish","format-standard","hentry","category-educatie-financiara"],"yoast_head":"\nCum s\u0103 oferi copilului educa\u021bie financiar\u0103 \u00eentr-un mod creativ - Blog CursValutar.ro<\/title>\n<meta name=\"description\" content=\"Educa\u021bia financiar\u0103 este unul dintre elementele f\u0103r\u0103 de care copilul nu poate gestiona eficient banii atunci c\u00e2nd devine adult. 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Urm\u0103resc cu aten\u021bie ecosistemul startup-urilor \u0219i acop\u0103r subiecte diverse ce \u021bin de educa\u021bie financiar\u0103, lifestyle \u0219i c\u0103l\u0103torii, antreprenoriat, e-commerce & digital marketing. \u00cemi place s\u0103 documentez temeinic fiecare subiect \u0219i s\u0103 scriu pe \u00een\u021belesul tuturor, astfel adaptez textele c\u00e2t s\u0103 le poat\u0103 \u00een\u021belege \u0219i bunica mea. :) Cred cu t\u0103rie c\u0103 informa\u021bia \u00eenseamn\u0103 putere, iar \u00eenv\u0103\u021barea este un proces care nu ar trebui s\u0103 se opreasc\u0103 niciodat\u0103. Mai multe detalii despre mine \u0219i date de contact g\u0103se\u0219ti pe profilul de Linkedin","sameAs":["https:\/\/ro.linkedin.com\/in\/nataliamanolescu"],"url":"https:\/\/www.cursvalutar.ro\/blog\/author\/natalia-manolescu\/"}]}},"_links":{"self":[{"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/posts\/965","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/comments?post=965"}],"version-history":[{"count":7,"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/posts\/965\/revisions"}],"predecessor-version":[{"id":973,"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/posts\/965\/revisions\/973"}],"wp:attachment":[{"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/media?parent=965"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/categories?post=965"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cursvalutar.ro\/blog\/wp-json\/wp\/v2\/tags?post=965"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}