Geef jij je kind zakgeld? 10 tips waarom dat best handig is!

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Het kan nooit kwaad om eens wat tips & tricks te verzamelen over hoe je nu met geld om kunt gaan. Zéker handig als je kinderen hebt, want kinderen en zakgeld is een uitdaging op zich. Hier zijn 10 tips die we voor jou (en onszelf) verzamelden!

1. Weersta verleidingen…aaaargh
Kinderen (en ja, wij natuurlijk ook) worden de hele dag omringd door allerlei verleidingen. Verleidingen in de vorm van telefoons, games, (in ons geval) schoenen, snacks etc. Een weloverwogen keuze maken in wat je wél en beter niet kunt kopen van je zakgeld is lastig. Dat moet je leren. Omgaan met geld begint bij ons, de ouders. Wij vervullen een voorbeeldfunctie, want wij zijn ook hierin de belangrijkste informatiebron voor onze kinderen. Dus… je allerlaatste geld uitgeven aan die ene mooie tas was al niet handig, maar zéker niet met de financiële opvoeding van je kids in gedachten.

2. Gun je kind een miskoop
Zakgeld, hot topic van alle financiële opvoeddilemma’s, kun je zien als leergeld. Daarmee leer je je kind om te gaan met geld. Soms lukt dat goed, soms pakt het wat minder goed uit en blijkt het achteraf toch niet slim om alles uit te geven aan een game in plaats van aan een lunch. Dat is dus niet erg! Fouten maken mag, daar leer je van. En ja, het is lastig om je kind de ruimte te geven als je ziet dat hij precies doet waar hij spijt van gaat krijgen. Maar ach, wij hebben toch ook allemaal een kledingstuk dat nog met het kaartje eraan in de kast hangt. Oeps!

3. Zorg dat je kind in ieder geval wát uitgeeft
We weten allemaal dat het goed is om te sparen. Om een beetje geld achter de hand te houden voor onvoorziene uitgaven. Je weet wel, die wasmachine die er opeens mee stopt. Wel zo handig als ie meteen vervangen kan worden. Maar als jouw kind ál zijn geld in een spaarpot stopt, dan leert hij ook niets. Het is dus handig om ervoor te zorgen dat je kind wel iets uitgeeft. Heb je een echte spaarder, zorg dan voor ‘vaste lasten’. Noem het geld bijvoorbeeld kleed- en cadeaugeld en laat je kind zelf kleding en cadeautjes kopen. Als het daarnaast ook nog wil sparen, dan zullen de prijskaartjes veel beter bekeken worden om nog iets over te houden.

4. Maak geld minder abstract
Geld is iets dat zó abstract is, dat het stiekem heel erg moeilijk te begrijpen is. Het is een soort moeilijke taal die je kind zich eigen moet maken en waar tijd voor nodig is. Goedkoop versus duur, dat is een taal, en die taal is moeilijk. Het kost echt jaren om het te begrijpen. Het abstracte kun je weghalen door je kinderen aan de hand van een plantje (hoera voor de moestuintjes!) te leren dat iets waar je voor zorgt en zuinig op bent groeit. Zo werkt het ook met geld, als je steeds iets in je spaarpot doet en er zuinig op bent dan wordt het steeds meer. En o ja, doet je kind het goed met geld? Beloon goed gedrag. Benoem het of geef iets extra’s.

5. Praat over zakgeld
Vanaf 6 jaar gaan kinderen rekenen en is zakgeld handig om muntjes-gevoel te krijgen. Als je houvast wilt over de hoogte van het zakgeld per leeftijd kun je bij het Nibud een kijkje nemen, zij laten de gemiddelden zien. Het geeft je inzicht in wat andere ouders geven en dat is fijn als je zelf twijfelt. Als je gaandeweg ziet dat je kind goed met het geld omgaat, maar weinig overhoudt om te sparen, kun je best wat bijstellen. Praat erover, net zoals je over al die andere opvoedzaken doet. Dat is handig voor jou én voor je kind. Jij kunt jouw beweegredenen duidelijk maken en je kind leert wat de afwegingen zijn.

Even kijken als je ‘m nog niet kent, dit filmpje is geweldig! Het is een onderzoek, waarin ze de kinderen vragen om de marshmellow niet op te eten. Als ze dat inderdaad niet doen, krijgen ze een tweede marshmellow als beloning. De kids die de verleiding konden weerstaan, bleken later veel beter met geld om te kunnen gaan. Wat zou jouw kind doen?

Voor tip 6 t/m 10 klik NEXT bovenaan dit bericht!


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