ROMA (ITALPRESS) – There are still few families in which we talk about a fundamental tool that will accompany children throughout their lives: financial education. As it happens at school for study subjects, even at home the theme of savings can be faced with a level of growing difficulty depending on age. How? He speaks about it in a dossier edited by Rosaria Barrile, published by idealist/news, information head of Idealista, according to which the basic notions of financial education can also be explained to small children as they are expressed in a simple and playful manner. The first approach to the subject can take place for example from 5 years. Obviously at this age the information must be very simple and “encourage” as much as possible to their direct experience: how many coins serve to buy a small game or a cone of ice cream, the cost of snack for the school, or why it is necessary to wait for a desired object. According to the expert, during childhood, in the age range between 4 and 7 years “you can communicate the key concept that through money you can buy goods and services. This is also the period in which many children love to play “on the market”, using plastic or wood reproductions of fruit and vegetables and supermarket cash”. During the primary school period, “it is possible to address the issue of real savings by assigning a small amount in currency every week (the first “paghetta”): it will be the child to have to choose whether to spend every week candy or small games in the newsstand or if to keep all the sums in view of the purchase of a bigger and more expensive game”. During adolescence, then after 11 years, “the loaf can become monthly and can be used to manage the most important expenses (cell phones, exits) – the expert points out. The expenditure needs, at that point, will be slightly more articulated and should be assessed more carefully by the child. At this stage, the concept of provisioning in view of a larger objective can be explained by the parent with concrete examples.” Since the example often counts more than a thousand words, the suggestion is to make children experience the “cost of things”: it is very educational to make children participate in important purchases or when shopping. “This way they will understand that behind every choice there is a cost and that not everything is discounted.” In summary, family financial education is a long-term investment, not only for the economic future of children, but also for their personal growth. “Every point can be valid if used to teach the value of money, the concept of responsibility and the importance of planning – the dossier ends –. Parents who face this path with their children are giving them a much more precious legacy than any material good: the ability to manage their financial destiny and the awareness that it is necessary to do so.”.
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