如何教你十幾歲的孩子有經濟責任感大綱

1. Get your teen a credit card

1.給你的少年孩子一張信用卡

Get them a credit card (such as a department store or a low-limit VISA or MasterCard) for which they must be 100% responsible. Some people fear to let a teenager have a credit card, but this is an excellent way to start them on the road to financial responsibility. Later on, as they get older, they will be able to get them on their own.

給他們一張他們必須百分百負責的信用卡（比如百貨商店的信用卡，低限額維薩信用卡或者萬事達信用卡）。有些人害怕讓青少年擁有信用卡，但是這是一種讓他們開始有經濟責任感的很好的方法。之後，隨着他們逐漸長大，他們就能夠獲得真正屬於他們自己的信用卡了。

Since this is an event you will not be able to prevent, why not help them to get one while you are still in a position to teach them how to best use them? Credit cards, when used responsibly, are an excellent way to establish credit. They are also a good way to monitor your teenager's purchases.

既然這是你無法阻止的事情，那爲什麼不在你還可以教他們的時候，來幫助教會他們如何最好地使用信用卡呢？當很負責任地使用信用卡的時候，信用卡就成了建立信用的很好的方式。而且信用卡也是一種監督你那十幾歲的孩子開銷的好方法。

2. Tie their allowance to their behavior, good or bad

2.將他們的零花錢與他們的行爲表現好壞綁定

When they do what they are told on a regular basis, steadily increase their allowance. Reduce or take away this privilege, though, when they continuously misbehave.

當他們完成了你告訴他們定期需要做的事情，那就逐漸增加他們的零花錢。當他們持續表現不好的時候，就減少零花錢，或者直接不給他們零花錢。

Start each teenager on a low allowance but, by all means, give them one. Keep in mind, though, that this is only one of many possible ways to reward (or punish) specific behaviors.

但是給每個青少年孩子的零花錢，開始的時候一定要很少，就只給他們一張錢花。然而要記住，這僅僅是獎勵（或者懲罰）特殊行爲表現的多種可能的方式之一。

3. Let them pay for everything they want

3.讓他們自己支付任何他們想要的東西

Other than gifts and daily sustenance, let them pay for everything they want. There is no better way for young people to make a connection between what they get and the cost involved than by letting them feel the pain thereof directly. Too many parents and guardians spoil their wards by providing all kinds of goodies which have simply not been earned.

除了禮物和日常用品外，讓孩子自己支付他們想要的任何東西。沒有什麼方式比這更好了，這可以將他們的得失與他們所感覺到的痛直接聯繫起來。許多家長和監護人寵壞了孩子，就是因爲他們給孩子提供了所有不是孩子自己掙來的好東西。