\u201cIndien daar \u00e9\u00e9n spesifieke versoek is wat ek sou geuiter het toe ek nog jonk was, sou dit gewees het: \u2018Help ons om \u2019n geldvaardige jeug op te lei, Suid-Afrika.\u2019 <\/p>\n\n\n\n
\u201cDie konsep van geld is \u2019n fundamentele vaardigheid wat enige volwassene, ouer, voog, familielid of onderwyser ons jongmense kan help aanleer. Dit bied nie net \u2019n oorwinnende situasie vir die jeug en hul toekomstige finansi\u00eble besluitneming nie, maar is ook \u2019n oorwinning vir Suid-Afrika se ekonomie en welvaart,\u201d se Carla Oberholzer, skuldadviseur by DebtSafe.<\/p>\n\n\n\n
Oberholzer moedig volwassenes aan om \u2019n geslag geldvaardige jongmense te help bewerkstellig, en die sleutel is om hulle al van kleins af te betrek. Deur hulle van vroeg af op te lei en te leer, kan volwassenes die jeug help om die nodige kennis, praktiese vaardighede en selfvertroue te bekom om in die toekoms ingeligte finansi\u00eble besluite te neem. Dit is nou die perfekte tyd om met die bemagtigingsproses te begin \u2013 grootmense moet met kinders oor geld begin praat, die geldkonsep tasbaar maak en die jeug help om finansieel geletterd te raak. <\/p>\n\n\n\n
Ouers word aangemoedig om kinders reeds as kleuters op kreatiewe wyse geldvaardighede te leer. Kleuters kan byvoorbeeld die name van munte (sente) en note (rande) begin onderskei.<\/p>\n\n\n\n
Kleuters kan die basiese beginsels van \u201csake doen\u201d begin verstaan deur geld\/speelgeld vir goedere te verruil. \u201cInkopies by die huis\u201d speel is pret en leersaam. <\/p>\n\n\n\n
Ouers word aangemoedig om drie- tot vyfjariges <\/b>toe te laat om aan geldvaardige, opvoedkundige aktiwiteite deel te neem:.<\/span> Verbeelding verwante speel-inisiatiewe soos \u201crestaurant-restaurant\u201d of \u201ckruidenierswinkel\u201d kan vaardighede insluit soos om goeie maniere aan te leer en kleingeld as kassier te bereken..<\/span> Om take vir sakgeld te verrig, bied opvoedkundige geleenthede. En moenie van die tasbare \u201cvoel\u201d-konsep vergeet wat \u2019n spaarvarkie \u2019n kind sal kan leer nie. <\/p>\n\n\n\n Deur die bogenoemde voorbeelde in te sluit, kan voorskoolse kinders die geldkonsep begin begryp en \u2019n basiese begrip verkry dat \u2019n mens \u201crekeninge\u201d het wat betaal moet word. <\/p>\n\n\n\n \n Graad-skoolleerders <\/b>\n<\/p>\n\n\n\n Ouers\/voogde kan verskeie dinge doen om ses- tot 12-jariges se geldbewustheid en -vaardighede te help verskerp, byvoorbeeld: .<\/span> Open \u2019n bankrekening spesifiek vir kinders: Verskeie Suid-Afrikaanse banke bied hierdie rekeninge teen \u2019n gratis diensfooi asook spesiaal-ontwerpte belonings wat op kinders van toepassing is..<\/span> Vergelykingskonsepte tydens inkopies: Kinders kan opvoedkundige inkopie-uitstappies hou om winskopies raak te sien (vergelyk generiese produkte teenoor die handelsnaamprodukte se pryse, byvoorbeeld). <\/p>\n\n\n\n \n Tieners<\/b>\n<\/p>\n\n\n\n Die waarde van \u2019n begroting en die gawe van \u201cgee\u201d \u2026 <\/p>\n\n\n\n Glo dit of nie, ouers kan 12- tot 18-jariges wel \u2019n paar finansi\u00eble lesse laat leer om hulle te help om geldvaardige rentmeesters te word. Hier is \u2019n paar idees:.<\/span> Tieners se sakgeld is geneig om vinnig op te raak tussen middagetegeld, skoolbenodigdhede en ander vereistes. Ouers word aangemoedig om hul kinders te help om \u2019n begroting op te stel juis sodat hulle kan onderskei tussen dit wat hulle \u201cwil h\u00ea\u201d en dit wat hulle \u201cmoet h\u00ea\u201d (werklike behoeftes)..<\/span> Verskeie bank-\/foontoepassings is vir kinders beskikbaar indien ouers dit by hul aktiwiteite en leerbesprekings wil insluit. Verskeie programme is ook beskikbaar, soos byvoorbeeld MoneyTime<\/i>\u2019 of StarSaver, <\/i>wat hulle kan help om toe te sien dat tieners verskeie finansi\u00eble vaardighede leer. .<\/span> Niks is beter as om die konsep van geld te help verduidelik wanneer dit by liefdadigheid kom nie (kinders kan organisasies kies waartoe hulle graag wil bydra). <\/p>\n\n\n\n \u201c \u2018Maatskaplike verantwoordelikheid\u2019-inisiatiewe bied leerbare oomblikke en dit is \u2019n langtermyn-geldgedragbelegging vir enige tiener,\u201d beklemtoon Oberholzer.<\/p>\n\n\n\n \n Jong volwassenes <\/b>\n<\/p>\n\n\n\n Help hulle om op geldvaardige wyse voort te gaan: .<\/span> Om te begroot is \u2019n moet. Hulle kan verskeie toepassings en produkte gebruik wat by hul unieke persoonlikheid pas. .<\/span> Hulle moet kan onderskei tussen werklike behoeftes en begeertes\/dit wat hulle graag wil h\u00ea..<\/span> Hoekom onnodig druk plaas? Jong, werkende volwassenes kan met min en klein begin wanneer hulle krediet of skuld wil aangaan \u2013 dit is nie nodig om \u2019n luukse huis en \u2019n motor alles op een slag te koop nie. .<\/span> Finansi\u00eble-, noodbeplanning- en mediese- of gesondheidsbeleggings is uiters noodsaaklik \u2013 professionele mense of instansies kan help met verskeie produkte (soos byvoorbeeld \u2019n soort noodfonds of aftreeplan)..<\/span> Jong individue moet gereeld hul skuld dophou en \u2019n uitgewerkte plan beskikbaar h\u00ea om seker te maak dat korttermyn- of langtermyndoelwitte en besparings by hul begroting ingesluit word. <\/p>\n\n\n\n Geld vervul \u2019n belangrike rol in elke individu se lewe, en daarom verdien dit dus ook \u2019n aansienlike hoeveelheid aandag van \u2019n jong of jeugdige ouderdom af. Om te leer hoe om te spaar, te begroot en aanspreeklikheid vir hul skuld te neem, is \u2019n meesterskap wat die jeug vroeg in hul lewe moet omarm en aanleer. <\/p>\n\n\n\n Geldkennis en -vaardighede sal jongmense in staat stel om die gawe van finansi\u00eble vryheid te kan ervaar. .<\/span> D<\/i>ebtSafe is \u2019n gereguleerde skuldberadingsmaatskappy. Kontak DebtSafe by info@debtsafe.co.za of SMS jou naam en van na 30898 (gratis SMS).<\/i><\/p>\n","protected":false},"excerpt":{"rendered":" \u201cIndien daar \u00e9\u00e9n spesifieke versoek is wat ek sou geuiter het toe ek nog jonk was, sou dit gewees het: \u2018Help ons om \u2019n geldvaardige jeug op te lei, 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