Specialists in the subject assure that acquiring knowledge about money at an early age, with games and with the guidance of the school and the family generates confidence, self-control and motivation for future decision-making in the economic and financial context of daily life.
Many of the behaviours of adults depend largely on what they have absorbed during childhood. From the most basic values to interact in society, to the relationship and administration of their own economy. This is why an early education about finances could improve future decision-making in the economic and financial context of everyday life.
At what age a child is able to receive, handle and administer money. How you are taught about spending, saving, and other basic economic notions. Although with the beginning of primary school (at the age of six) they are already in a position to make use of the ticket and know that it is useful to buy, they have not yet developed the ability to manage it.
During childhood, the imitation of behaviours and interactive play predominate, which is why a specialist on the subject consulted by E Chronicler, considered that the best way to learn about money is by playing, with the guidance of school and the home itself. The guessing, themed stories and interactive games are ideal to begin to understand. Watching parents plan their finances, without making money a taboo, is also taboo.
" Children will live with money in their future and many of the important decisions they will make in their lives will imply its management. Do I buy, rent? Save, get into debt? Do I generate resources as an entrepreneur, as an employee? Do I consume Some things or others? ", said the Spanish Juana Len Alamo, an expert in finance and director of Appended Cues ta, an educational project aimed at teaching financial education and entrepreneurship to children.
In addition, as he assured, "at an early age they begin to relate to silver, especially making decisions about consumption."
"For all these reasons, it is essential that through knowledge they acquire the confidence they need and are more aware of all the risks and opportunities of the decisions they make. They must be trained to make the most appropriate decisions for their well-being and quality of life. life, "said the finance expert.
For their part, and in the same vein, analysts from the Central Bank's Financial Education Program pointed out that "various authors mention the relationship between financial capabilities and the family, economic tuition in Singapore and educational context: the people with more financial capacity come largely from of families who have access and make regular use of the financial system ".
"Financial education that begins at school, as recommended by the Organisation for Economic Cooperation and Development (COED), flavors equal opportunities and helps reduce inequalities," they assured.
"On the other hand, financial education seeks to promote positive changes in behaviour
For example, promoting habits such as saving in the initial levels of schooling, and then moving towards financial products or the rights and duties of users," they added. from the CRAB.
"It is expected that from the personal learning of the responsible administration of resources, awareness of the impact that economic and financial actions have for the family and, why not, also for the community," they explained.
From the Central they said that the entity "works with educational resources that address financial issues from a more comprehensive perspective that incorporates knowledge, mobilises cognitive processes to work on that information (identify, analyse, evaluate) but also put values such as honesty, responsibility and solidarity and other non-cognitive factors such as confidence, self-control or motivation ".
"This wealth of experiences and knowledge will be invigorated in the future but also, today, the application of financial education actions in young people encourages a greater dialogue on money and financial planning issues in the families themselves," they detailed.
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