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All offered practical training was developed in the form of dialogues or scenarios which you can use for training of the child to the basic financial concepts. In them there are no correct or wrong answers. They represent simple recommendations and the councils, called to help you to conduct with the child dialogues on concrete financial subjects and to expand its knowledge about the world of the finance in which we live. And, besides other, in each of them possibility to take pleasure and have fun is provided.

Financial practice behind a dining table I. PAY MONTHLY BILLS

Assorting the received bills, plant children nearby. Allow to them to consider each of bills and explain, it is connected with what expenses. It is not so obligatory to devote children in all subtleties of your financial position, simply acquaint them with main principles of the Payment of invoices and try to clear interest to a life financial side.

1. Pay at first to itself

Each time begin with deduction of the money which is due to you even if it is all some dollars. Observing, as you each time pay at first to yourselves, your child, most likely, will follow to your example when will start to earn own money.

2. Pay expenses for the house

Explain a principle of the payment of invoices for utilities and allow to the child to consider each of them attentively. So he will understand faster, how money is spent. Having seen that you separately pay for light, water, gas, export of dust and other utilities, the child will start to realise, as many various services are involved in maintenance of your habitual way of life. (This exercise can bring additional effect it many parents informed us that after that lesson their children began a thicket to switch off behind themselves light and less time to spend in a shower.)

3. Bring an instalment under the mortgage for the house

As it is possible explain to the child a principle of payments under the mortgage is easier. Tell, how the bank has helped you to buy the house, having borrowed the most part of money in exchange for your consent to give to bank money parts. To receive such possibility, you also have agreed to pay to bank certain percent of commission fee until completely do not compensate the borrowed sum. Allow to the child to consider attentively the bill and show that it switches on payment of commission fee and payment on the basic amount of debt for the house.

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