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Thrive by FiveTM:
Teaching Your Preschooler About Spending and Saving

Children learn about money from many sources. Long before they enter school, they observe adults using money and buying things. They watch television daily and see thousands of commercials each year. Like it or not, money is a part of your preschooler’s life.

What children witness affects their attitudes about what money is for. Some of these beliefs will help them as adult consumers and some will not. For example, they might get the message that saving is important or they might not.

As a parent, you will not be the only influence on what your child learns about using money. But when you teach basic lessons about money, you increase the chance that your child’s values will be similar to yours.

The simple activities and other resources listed to the right, which are parent-and-child tested, are meant to give you ideas for:


Activities:
How can I teach my preschooler…


Actividades:
¿Cómo puedo enseñarle a mi niño de edad preescolar...

…to wait to spend money?

…a esperar para gastarse su dinero?

…to not lose money?

…a no perder el dinero?

…to help with the shopping?

…a ayudar con las compras?

…about earning money?

…acerca de cómo ganar dinero?

…about using money to buy something?

…acerca de cómo usar el dinero para comprar algo?

…that when money is spent, it is gone?

…que cuando el dinero se ha gastado, ya no se tiene?

…that having fun does not have to cost money?

…que divertirse no tiene que costar dinero?

…that gifts do not have to cost money?

…que los regalos no tienen que costar dinero?

Thrive by FiveTM:
Enseñándole a su niño de edad preescolar cómo gastar y ahorrar

Los niños aprenden acerca del dinero por medio de muchas fuentes. Mucho antes de que entren a la escuela, ellos observan cómo los adultos utilizan dinero y compran cosas. Ellos miran la televisión a diario y ven miles de anuncios cada año. Le guste o no, el dinero es una parte de la vida de su niño de edad preescolar.

Lo que presencian los niños afecta sus actitudes acerca de para qué se usa el dinero. Algunas de estas creencias los ayudarán cuando se conviertan en consumidores adultos y algunas no serán de ayuda. Por ejemplo, quizás lleguen a entender que ahorrar es importante o quizás no.

Como padre de familia, usted no será la única persona que tendrá influencia sobre lo que su niño aprende acerca de utilizar el dinero. Pero cuando usted le enseña las lecciones básicas acerca del dinero, aumenta la oportunidad que los valores de su niño sean semejantes a los suyos.

Las actividades sencillas y otros recursos listados a la derecha, los cuales ya han sido probados por padres y niños, tienen el propósito de proveer ideas para:

Direct questions or ideas for new preschool teaching activities to [email protected] or Philip Heckman, CUNA & Affiliates, Center for Personal Finance, P.O. Box 431, Madison, WI 53701-0431.

Copyright © 2006 - Credit Union National Association, Inc.




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