初为人父母的时候,你有没有犯这样的理财错误?

这几个月,有好几位朋友都有了宝宝,我自己是处于一个矛盾的心理,觉得总要走这个路,可是真的有了孩子之后是否能够面对这样的“巨变”呢?几位朋友都说孩子在财务上对他们家庭的影响,很显然,这并不是多一张口吃饭的问题。在闲逛Business Insider网站的时候看到有篇文章说“初为人父母的3个理财错误”。有兴趣的可以找原文看,忙得没空的,可以看看吉力这篇文章的精选。

那篇文章中说的第一个错误,就是买房。但这点对于中国人而言,恐怕绝大多数人在结婚时就已经买房,而生了孩子之后,一定会逼得买房。但无论何时都会在讨论买房划算还是租房合理的问题。国情不同,大家自己判断。

第二个错误在于没有及时开始储蓄。美国读大学绝大部分都靠学生贷款,父母资助一部分,将来国内和香港的情况也差不多。教育金并不是一笔小数目,能够真正发挥复利武器的杠杆就是时间。无论如何,即时开支比以前不同,但储蓄的习惯还是必须坚持。

第三个错误就比较有趣。我希望能够引用原文:

I believe this is one of the easiest mistakes new parents make. We believe by spending on our child we’re showing them love. True, you do love on them by providing things they need like a safe car seat, comfortable and safe crib, proper clothing, etc. but anything beyond the essentials does not communicate that you necessarily love them more.

I think back to the first Christmas or two we had with our oldest. We spent the entire amount we budgeted for her and it came out to an overwhelming amount of gifts. Throw in what the grandparents bought and she didn’t know where to start. With a few years, and a few more children under our belt, we’ve learned the amount spent doesn’t show you love them any more or any less. In fact, I think it could be argued you love them more by using teachable moments to show them how to respect money and use it as the tool it is, not to mindlessly spend it.

看我的文章的人应该没有不懂英文的。简单而言,花在孩子身上的钱是否就和对他的爱是化等号的?这个作者建议爸爸妈妈们在为孩子花钱时想想,是不是有些钱是可以省下来的?即使花额外的钱,是否能够使得这笔钱对孩子而言更有教育意义呢?

为了孩子本身,花应该花的钱,把剩余的钱,好好地省下来,存下来。

 

图片来自:Flickr / amira_a

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