第2805期:Life lessons learnt from pocket money

How much pocket money did you get as a child, if any? Was it a regular, weekly allowance, or just occasional one-off payments for chores? Parents around the world have different ideas about the dos and don'ts of pocket money. How much should parents give? Should they track what their children spend money on? And where is the balance between teaching children valuable life lessons and simply spoiling them?您小时候得到了多少零用钱？ 这是常规的，每周的津贴，还是偶尔的一次杂务付款？ 世界各地的父母对零用钱的零用钱有不同的想法。 父母应该给多少？ 他们应该跟踪孩子花钱吗？ 教孩子有价值的生活课程和简单地破坏他们之间的平衡在哪里？

Giving children pocket money offers more than just disposable income – it can provide lessons in financial literacy. One of the first things children can learn is that money is finite – once it is spent, there's no more until the next allowance. This awareness can help children learn how to budget and make good financial decisions. For example, they might spend weeks saving up for something big and exciting, rather than spending small amounts immediately. Making money mistakes while the amounts are relatively small can prepare children for when they start handling larger sums of money as adults.2给儿童零用钱不仅提供可支配收入，还可以提供金融知识的课程。 孩子们可以学到的第一件事是金钱是有限的 - 一旦花费了，直到下一个津贴才有。 这种意识可以帮助儿童学习如何预算和做出良好的财务决策。 例如，他们可能会花几个星期的钱为大而激动人心的东西，而不是立即花费少量。 犯金额的时候犯错误，而年龄相对较小，可以为孩子们开始处理成年人时的大笔钱时做好准备。

Some parents link pocket money to household chores, teaching kids that hard work and good behaviour is rewarded. Louise Hill is the CEO of GoHenry – a money management service for children. She says that earning through chores encourages financial independence and "ultimately gives much more satisfaction rather than instant gratification". The downside of this, however, is that kids may only help around the house when they receive payment, rather than seeing it as their shared responsibility. In their adolescence, young people may transition to a more lucrative way of earning pocket money – part-time work such as babysitting.一些父母将零用钱与家务联系起来，教孩子努力工作和良好行为得到回报。 路易斯·希尔（Louise Hill）是Gohenry的首席执行官 - Gohenry（儿童资金管理服务）。 她说，通过琐事赚钱会鼓励财务独立性，并“最终给予更多的满足感，而不是即时的满足感”。 但是，不利的是，孩子们在收到付款时只能在房屋周围有所帮助，而不是将其视为他们的共同责任。 在青春期，年轻人可能会过渡到一种更有利可图的赚钱方式 - 兼职工作，例如保姆。

Pocket money used to mean exactly that – coins or notes that children could keep in their pocket. And when they're young, seeing physical cash is a good way for them to understand money. But in today's digital world, families are increasingly going cashless. Online money management services are emerging in the market, many of them offering a combination of prepaid debit cards and an app that both child and parent can use to track spending. Some even offer gamified money lessons and the option to set up pots to fulfil savings goals. This modern approach is just another way children can be prepared for adult life, where many transactions are digital.零用钱曾经是确切的意思 - 硬币或指出孩子可以放在口袋里。 当他们年轻时，看到实物现金是他们了解金钱的好方法。 但是在当今的数字世界中，家庭越来越无现金。 在线货币管理服务正在市场上出现，其中许多提供了预付费借记卡以及孩子和父母可以用来跟踪支出的应用程序的组合。 有些人甚至提供游戏的金钱课程，并可以选择设置锅以实现储蓄目标。 这种现代方法只是儿童可以为成人生活做好准备的另一种方式，那里的许多交易都是数字化的。

There's no perfect formula when it comes to pocket money, and a lot will depend on family situation and finances. Ultimately, learning to spend wisely, save and even give generously can help children build a healthy relationship with money that can continue into adulthood.关于零用钱，没有完美的公式，很大程度上取决于家庭状况和财务状况。 最终，学会明智地花费，储蓄甚至慷慨地付出可以帮助孩子与可以持续成年的金钱建立健康的关系。