Teaching Children to Spend Pocket Money Wisely
School-going children need pocket money for food, stationery and bus fares. Parents give pocket money to their children in different ways. Some give a lump sum at the beginning of a month or a week. ____1____ The way in which pocket money is given affects how money is spent or saved. On the other hand, the children's spending habits may affect how pocket money is given.
Pocket money given on a daily basis is sometimes termed as "food money". ____2____ They learn how to manage small sums of money. As the money is limited, they have to control their spending. Some parents choose this method of allocating pocket money in order to prevent their children from overspending, hoping that in time they can be trusted with larger sums of money. ____3____.
Giving pocket money on a daily basis places responsibilities of budgeting on the parents, instead of the child. The child may spend every single cent of the daily pocket money by overindulging in junk food, as they know they will get another sum of money the next day. This results in children being short-sighted in their spending. ____4____ They may develop the mentality that money is meant to be spent. Others spend more than they are given. They borrow from their siblings or their classmates when they feel like indulging themselves. Then they may ask for money to pay off their debts. This habit of borrowing causes them to depend on others to solve their problems. ____5____.
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