The life-long benefits of teaching children how to take care of their money make it well worth the effort. Children who are not taught these lessons pay the consequences for a life time. Some parents don’t teach children about money because they think they shouldn’t talk about money with children, don’t have the time, or think they don’t have enough money. Parents should take the time to teach children about money regardless of their income and should start when children are young.
Most people have strong feelings and opinions about money, based on childhood experiences and the values and beliefs of their families. Most often, these experiences, values, and beliefs are different for each parent. Parents should talk about these feelings and opinions and establish an unchanging approach（方式） to teaching children about money. This is important for the healthy development of children.
Here are some tips that parents can keep in mind as they begin teaching their children to manage money:
★ Guide and advise your children how to spend their money, rather than tell them what they can and cannot do.
★ Encourage and praise children rather than criticize their actions.
★ Allow children to learn by mistakes and by successes.
★ Be consistent（前后一致的） while taking children’s differences into consideration.
★ Include all family members in money management discussions, decision making, and activities that are suitable for their age. As children get older include them in discussions of limits and consequences.
★ Expect all family members to do some everyday chores based on their abilities without being paid.
★ Express your desire to have things you can’t afford. Children need to know that parents say “no” to themselves, too.
小题1:It is _____ for parents to teach their children about money management in their childhood.
A．easy
B．useless
C．too early
D．beneficial小题2:15-year-old Harry isn’t good at managing his money. His mother is advised to _____.
A．explain to him how to manage his money better
B．pay him more money to deal with his chores
C．praise him for what he has done
D．allow him to buy what he wants小题3:When parents discuss how to manage the family finances, they should _____.
A．include their children in the discussion
B．express their desire to have some valuable things
C．pay more attention to their children’s differences
D．try to meet their older children’s needs first
