传统有家庭教育是不愿意让孩子接触金钱的，认为从小持币会使孩子思想受到铜臭气的不良影响，这种消极防范导致孩子从小缺乏经济意识，懂事以后反而会出盲目消费、不会理财的现象。其实作为家庭成员之一的孩子，不可能不与钱打交道，试图给孩子创造一个纯而又纯的消费环境是不切合实际的。因此适当地注意增强孩子的经济意识，从小培养孩子的经济头脑，对孩子的健康成长十分有利。 培养孩子的经济头脑是时代发展的需要。在举国上下以经济建设为中心的今天，中小学生的也迫切需要掌握一些金融、经济方面的知识，既适应时代需要，又可缩短与社会的认识距离，避免过去那种“两耳不闻窗外事”的现象产生。培养孩子的经济头脑是应试教育向素质教育转轨的要求。因为素质的内涵是多方面的，它既包括学习、思想、品德，又包括对社会的认识和感受能力，有一定的经济头脑，也便于提高中小学生的辨别和分析能力，促进逻辑思维能力的提高，那么为人父母者又如何去培养孩子的经济头脑呢？笔者认为应该从以下四个方面入手。
一、要让孩子学会消费，懂得必要的消费规范。让孩子形成正确的花钱、算账的观念，逐步养成良好的生活习惯。比如生活中孩子需要购买东西很多，家长可告诉孩子哪些该买，哪些不该买，哪些买了划算，这样使孩子从小学会正确用钱。
二、要让孩子懂得钱来之不易，首先要让孩子正确认识钱的作用和地位，给他们讲述钱是劳动成果。让孩子从小懂得珍惜父母劳动成果，不奢侈浪费，养成勤俭节约的良好习惯。
三、引导孩子储蓄存款，增加金融知识。如将逢年过节、过生日，长辈或亲友送的压岁钱、贺礼等进行零存整取。让孩子自己计划管理，体验理财的滋味。
四、教给孩子一些投资知识。这对培养孩子把钱花在“刀刃”上大有裨益，比如买国债，购买保险等。若有余力，可引孩子投资集邮、集币等。
当然，培养孩子的经济头脑，主要是从日常消费和家庭理财中加以引导和说明，使孩子从具体操作中体会经济功能。让孩子从小懂得消费规范和投资理财知识，养成勤俭节约、崇尚劳动、热爱生活的美德。
译文:
Teach your child how to manage the money and consume
The traditional family are not willing to let their child get in touch with money. They think their child mind will be badly infected by the smelly money. This passive prevention will couse their child lack of economic consciousness. When they grow up, they will consume slavishly, and can not manage their money. In fact, being a member of family, the child can not be away from the money. If you try to give a pure consumption enviroment, it is not practical. So it is very favorable for their health to enhance the economic consciousness of the child and bring up their economic mind from the very beginning.
To create the child's economic mind is very importance to the development of this time. Now the economic construction is the core thing of our country, the primary and high school students urgently need to learn some finacial and economic knowledge to meet the the need of the time, reduce the distance with the understanding of the social and avoid to occur the phenomena of ignoring what have happened outside the the window.
To create the child's economic mind is the need of the readjustment from the examination-oriented education system to education for all-round development. Because the quality connotation include many things. It contains not only the study, mind, morality, but the understanding and bearing ability to the social, having economic mind to increase the distinguish and analysis ability of the primary and high school students, and increase the logical thinking ability. So how the parents do to create the economic mind of their child? I think we should do it from four parts.
Firstly, the child should learn how to consume, and some necessary consumption rule.The child should form an idea to spend the money and manager it rightly, and to form a healthy habit. For example, the child will buy many things in their lift, the parents can tell them which is necessary for them and which is worthy. So the child will learn the right way to spend the money.
Secondly, to let the child know how difficult to own the money, first we shoud let them know the right function and position of the money, tell them it is the result of work. We should let them know to cherish the work result of your parents, not to waste the money, and form a diligence and frugality habit.
Thirdly, the parents should lead their child saving deposit and increase the knowledge of finance. For example, they can make the New Year 's present for the kids to implement fixed deposit by installments.
The child should be plan to manger the money and learn to manger the money themselves.
Forthly, the parents should teach their child some investment knowledge . This is very helpful to cultivate their child to spend money on the right way, such as buy government debts and insurance. If possible, they can invest the money on collecting stamps and coins.
Certainly, to cultivate the child's economic mind, mainly the parents should lead and intruct them in the daily consumption and family money management, to let them know the economic function in the specific operation. The child should learn the consumption rule and invest management knowledge, earn a virtue of diligence and frugality, upholding labor and loving lift.