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家庭经济危机该如何对孩子说

这次金融危机波及了不少家庭,当家庭开支成为父母的压力时,您该如何对孩子...
家庭经济危机该如何对孩子说

86%的家长在家庭遭遇经济危机时会讲给孩子听,他们认为孩子知道后会更能理解父母;14%的家长不会告诉孩子,担心影响孩子的情绪,或觉得告诉他也没有意义。这次金融危机波及了不少家庭,当家庭开支成为父母的压力时,您该如何对孩子解释为什么他不能买最新款的Xbox或价格高昂的玩具?家庭经济条件的变化可能会影响孩子的生活,但并不会影响孩子的快乐成长。这篇文章将会告诉您,在经济危机下,如何请孩子为父母分担一点。-psytopic.com

给玛丽·格雷沙姆的5个问题

随着经济的加速下跌和人们担心自己的资产不断减少,临床心理学家玛丽格雷沙姆说,家长可以把传统的假期购物习惯改成非物质消费的庆祝活动,以改变他们和他们孩子的购买习惯。

在她20多年的个人实践中,格雷沙姆一直与父母和子女致力于家庭财务问题。诸如应对金钱损失,家庭开支问题,提高富裕家庭儿童责任心,超支,强迫购物,以及家族金钱使用行为史的影响问题。她提供了许多例子,诸如儿童如何抗拒诱惑,家庭如何提供替代传统的购买商店礼品的消费方式,以及为什么不同年龄层消费行为不同等例子。格雷沙姆强调说,金钱压力如同其他压力一样是可以被消除的。

Q1: 有什么最好的方式来向你的孩子解释为什么你不能买最新款的Xbox 360系列?以及家长如何应对孩子们的 “其他所有的孩子都购买”的论调?

A1: 购买最新产品的行为是一种消除来自于同龄人压力的行为,让孩子们推迟购买不是容易的事情,但是可以做到的。今年,所有的孩子可能不会得到新的系列产品(由于金融危机)。如果我们把回答“不”换成“为什么不”会怎么样呢? 为什么不与您的孩子们一起呼吁抵制购买呢?告诉他们,你不能总是在第一时间得到你所希望的。给他们一个你的例子,一件你非常想要但不得不等待的例子。问问他们的意见,是购买一件你可以负担得起的礼物呢还是改成一个庆祝活动——不要需要购置太多东西的聚会。共同决定这些事情是非常有帮助的,因为当每个人都有机会参与决定时,大家会更容易接受变化。

Q2: 你如何帮助你的孩子不感觉到被骗?有没有一种方法让所有人都满意呢?

A2: 家庭可以设置新的规则,给他们更多的选择以遏制他们的购物倾向。他们可以说“没有礼物”,他们也可以说不如去制定一个家庭慈善计划,他们也可以用自己的名字做礼物以限制购物倾向,比如交换优惠券或赠券,上面写着“帮助你清理房间”或者“给你做最喜欢的食物”——全年有效。这样,每个人都加入了同样的计划,并得到了他们想要的。它可能不是每个人都为之疯狂的新玩具,但确是有特色而且需要你去履行的礼物。

Q3: 父母怎样做才能让他们孩子认清商家鼓励购买的行为,并帮助他们理解为什么当商品刚上市时购买是不符合他们的最佳利益的购买行为?

A3: 我认为,如果孩子们知道幕后发生了什么事情,他们将有不同的反应。据唯物论(《高价唯物论》Tim Kasser著 ,和《美国的超支》朱丽叶斯科尔著)的研究表明 ,青少年往往会做出积极的回应,反对大型机构的操纵。当戒烟运动开始时,一种有效的方法是询问青少年他们是否想被那些追逐利润的大企业欺骗上瘾?告诉您的孩子,广告商试图将事情听起来比事实更好,他们故意制造混乱使消费者希望购买自己的东西。此外,显示他们如何用品牌工程来制造企业利润。研究表明,如果排除品牌这个因素,消费者无法区分一个20美元T恤及100美元的衬衫有什么不同。青少年会积极回应这样的信息,因为他们不愿为了别人的利益而被诱骗。

Q4: 你是否认为不同年龄层的人们对物质消费会有区别?经济衰退如何影响人们的消费习惯?

A4: 是的,因年龄差异而存在消费态度和消费开支是有不同的。我们对生活必须品的标准不断增加,该标准已经从舒适到了豪华。我们还需要一定的干预和目标导向的会话去转变这种倾向物质的消费到精神生活。婴儿潮一代经历了一个激烈的质疑物质论生活时期,而这个趋势将与我们紧密的联系。我常常听到,我们可以用现在是一个很好的词——“嬉皮文化”去诠释这个问题——我们如何牺牲了我们的生活去追求物质享受。

这是Psytopic的指纹密码:aHR0cDovL3d3dy5wc3l0b3BpYy5jb20=,您可以凭这个指纹在google搜索到我们的网站。

Q5: 是当今市场崩溃引发的金钱问题造成了更多的家庭压力吗?你会如何建议人们保持心理健康?

A5: 这是一个可怕的时刻,即使对那些目前没有危机的人们。压力管理工作,包括财务压力,的基本解决办法与其他类型的压力解决办法是一样的。很多人错误地认为只有金钱本身才能解决金钱压力。(这颇有些头痛医头脚痛医脚,但解决的只是因果中的果,而没有认清造成这种果的因,不解决因的问题,果的问题仍会出现)

减少一个人的焦虑是有益的。瑜伽,散步或游泳都是很好的减压阀。你越是想赚钱,越是想如何不失去更多,你越是可能会有更多的焦虑,而解决问题的概率越小。

此外,放任压力也是不好的它会伤害你整体健康。不要去试图消极的看电视,或过量的饮酒,这样的逃避压力是没用的,这只能让事情变得更糟。对自己有些耐心,想想现在每个人都在应对金融危机造成的财务上的挫折,而且大多数父母可能都会对他们孩子的要求予以拒绝。你应感到宽慰的是整个家庭都在面对这个问题,而这个世界上的许多家庭都在努力的消减开支。

原文阅读: FIVE QUESTIONS FOR MARY GRESHAM, PHD

点击展开 ▼

With the economy in freefall and people worried about their dwindling assets, clinical psychologist Mary Gresham says parents can turn the holidays into a non-materialistic, joyous celebration by working to change their – and their children’s – buying habits.

During her 20 years in private practice, Gresham has worked with parents and children on such issues as coping with money losses, spending problems in the family, raising responsible children in wealthy families, overspending and compulsive shopping and understanding the effects of family history on money behaviors. She offers examples of how children can resist temptation, how families can provide alternatives to traditional store-bought gifts and why spending behavior is different among the generations. Gresham says money stress is just as beatable as other stresses.

Q. What is the best way to explain to your child/teen why you can’t buy, say, that new Xbox 360 series? And how does a parent respond to the “all the kids are buying it” argument?

A. It isn’t easy to get childen/teens to postpone wanting the latest new product with all the peer and societal pressures, but it can be done. And this year, all the kids might not be getting the new series. If “no” is responded to with a “why not?” talk to your children about resisting the urge to buy. Tell them that you can’t always get what you want at that moment. Give them an example of what you had to wait for that you really wanted. Ask them for their input either about the gifts that you can afford or ways to change the celebration to make it less about “things.” It really helps to decide these things together as there is more acceptance of a change when everyone has a chance to be heard.

Q. How do you help your child not feel somehow cheated? Are there alternatives that would satisfy everyone?

A. Families can set new rules on curbing their materialistic tendencies with a wide range of options. They can say “no presents.” They can choose a family philanthropy project. They can draw names for gifts, limit spending amounts, exchange coupon gifts like “cleaning your room for you” or “cooking your favorite food” that can be cashed in throughout the year. This way, everyone is following the same plan and gets something they want. It might not be the new toy everyone is raving about but it can be personal and fulfilling.

Q. What can parents do to enlighten their kids about what marketers do to encourage buying and help them understand why it usually is not in their best interest to buy something as soon as it hits the market?

A. I think children/teens would respond differently if they knew what was going on behind the scenes. According to research on materialism (The High Price of Materialism, by Tim Kasser, and The Overspent American, by Juliet Schorr), adolescents tend to respond well to ideas related to rebelling against manipulations by large institutions. When the stop smoking campaigns began, an effective method was asking teens if they wanted to be tricked into an addiction that was designed primarily for corporate profits. Point out to your kids that advertisers try to make things sound better than they really are and that they purposely create insecurity to make a consumer want to own something. Also, show them how branding works to build corporate profits. Research shows that when the brands are removed, consumers cannot tell the difference between a $20 shirt and a $100 shirt. Teens can be very responsive to this kind of information and pick up the theme of not wanting to be tricked for someone else’s benefit.

Q. Do you think there are differences in materialism across generations or certain age groups? How do tough economic times affect people’s spending habits or “money personality?”

A. Yes, there are age-related differences in attitudes about consumerism and spending. It seems that the standards of what we cannot live without are constantly increasing. The standard has moved from comfort to luxury. It will take some intervention and goal-directed conversations to turn this around to valuing an inner life over a material life. Baby boomers went through an intense period of questioning about materialism and this tends to stick with us. I often hear that what we could use now is a good dose of “hippie culture” to question how we have sacrificed balance in our lives for things.

Q. Are money issues causing more stress in families now because of the current crashing markets? What do you recommend people do to maintain their psychological health?

A. This is a scary time even for those who are not in an immediate crisis. The basic tools of stress management work just as well on money stress as they do on other kinds of stress. Many people mistakenly believe that money stress can only be reduced by money itself.

Reducing one’s overall anxiety level is helpful. Yoga, walking or a good hard swim are great stress reducers. The more you think about money and how not to lose more of it, the more anxious you will become and the less likely you’ll be able to solve problems.

Further, letting stress run freely isn’t good and will hurt your overall health. Don’t try to escape your stress by passively watching television, overeating or drinking too much. This only makes things worse. Try to be patient with yourself. Understand that everyone now is dealing with financial setbacks and most parents have to say no to their children/teens for gifts this year. Take solace that the whole family is in this together and that many families across the country and globe are cutting back on spending.

原文来自APA,译文由Psytopic网友Rico和Eric共同翻译Psytopic.com

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Domestic economic crisis, said the children how to

86% of parents whose families are in financial crisis will tell their children to listen, they think their children know their parents will be better understood; 14% of parents will not tell their children, worried about the impact of the child's feelings, or feel that there is no meaning to tell him. The financial crisis has affected many families, when the household expenditure of the pressure to become parents, your children how to explain why he could not buy the latest Xbox or the high price of the toys? Changes in domestic economic conditions may affect a child's life, but does not affect the growth of the child's happiness. This article will tell you that under the economic crisis, how to please a child for parents to share a little. -Psytopic.com


Mary Gresham to question 5

Accelerated as the economy down and people worry that their assets are decreasing, a clinical psychologist Mary Gresham said, parents can leave the traditional shopping habits changed to non-material consumption celebrations to change them and their children to buy habits.

In her 20 years of personal practice, Gresham has been working with parents and children is committed to family financial problems. To deal with monetary losses, such as, family costs, well-off families to raise responsible children, cost overruns, forced to, as well as the use of family history of money implications. She provides many examples, such as how to resist the temptation to children, families how to provide an alternative to traditional gift shop to buy the consumption patterns, and why consumer behavior in different age groups in different examples. Gresham stressed that the money the same pressure as other pressure can be eliminated.


Q1: What is the best way to explain to your child why you can not buy the latest series of the Xbox 360? And parents on how to deal with children's "all the other children to buy" argument?

A1: The act of buying the latest product from an elimination of the conduct of peer pressure to allow the children to defer the purchase is not easy, but can be done. This year, all children may not be new series of products (as a result of the financial crisis). If we answer "no" into "Why not" what will happen? Why not with your children together called for a boycott of buy them? Tell them that you can not always be the first time you want. You give them an example, but one you want to have to wait very example. Ask their opinions, is to buy one you can afford it or gifts into a celebration - do not need to meet the purchase of too many things. Deciding on these things together is very helpful because everyone has the chance to participate in decision making, we will be more receptive to change.


Q2: How do you help your child do not feel cheated? Is there a way to let everyone with them?

A2: the family can set up new rules and give them more options to curb their tendency to. They can say "no gifts", they can also be said as to the development of a family charitable projects, they can do with their own name to the tendency to limit the gifts, such as the exchange of coupons or coupons that read "to help you clean up the room "or" do you like the food "- the annual effective. In this way, everyone joined the same scheme, and they want. It may not be everyone's new toy was crazy, but it is unique and needs to fulfill your gift.


Q3: How do parents allow their children to encourage the purchase of a clear understanding of business practices and to help them understand why the market just when the purchase of goods is not in line with the best interests of their buying behavior?

A3: I think that if kids know what happened behind the scenes, they will have different reactions. According to materialism ( "high-priced materialism" Tim Kasser, and and "America's over-spending" by Juliet score of) research suggests that young people tend to make a positive response, and oppose the manipulation of large organizations. When quitting smoking movement began, an effective way is to ask young people whether they want to be those who profit by deception addictive large enterprises? Tell your child, advertisers trying to do sounds better than the fact that they deliberately create chaos so that consumers want to buy our own things. In addition, show them how to work with brands to create corporate profits. Studies have shown that this factor if the exclusion of brand, consumers can not distinguish between a T-shirt and 20 U.S. dollars for 100 U.S. dollars What is the difference between a shirt. Young people will respond positively to such information, because they do not want other people's interests to be lured.



Q4: Do you think people of different ages will have the distinction of material consumption? How the economic downturn affect people's spending habits?

A4: Yes, because of age differences in consumer attitudes and the existence of consumer spending is different. Our standard of living necessities, increasing the standard from the luxurious comfort. We also need a certain degree of intervention and goal-oriented conversation to change this trend of consumption of material to the spiritual life. The baby boom generation has gone through a drastic period of questioning the material of life, and this trend will close links with us. I often hear, we can use now is a good word - "hippie culture" to interpret the question - how are we going to sacrifice our lives to the pursuit of material enjoyment.


Q5: in today's market collapse caused by financial problems caused by more family pressure? How would you recommend people to maintain mental health?

A5: This is a terrible moment, even for those people there is no crisis. Stress management, including financial pressures, the fundamental solution of the pressure and other types of solutions are the same. Many people mistakenly believe that only money can solve their own financial pressures. (Which is quite some stop-gap measures, but the solution is causal in the fruit, without a clear understanding of the result of this fruit, because the problem is not resolved, the fruit will still be the problem)

Reduce a person's anxiety is useful. Yoga, walking or swimming are all good relief valve. The more you would like to make money, more like how not to lose more, you are more likely to have more anxiety, and the smaller the probability of solving the problem.

In addition, the laissez-faire is not the pressure of it will hurt you overall health. Not to attempt to passive watching TV, or excessive drinking, this is of no use to escape the pressure, it can do worse. Some of their patience, and think everyone is now to address the financial crisis caused by financial setbacks, and most parents of their children are likely to be refused the request. You should feel relieved that the whole family all in the face of this problem, which many families in the world in efforts to reduce expenditure.

suggest a better translation.



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  1. Gent:2009-04-21 22:40 PM

    1

    请问玛丽格雷沙姆英文名字是什么呢?

  2. Rico:2009-04-22 22:46 PM

    2

    MARY GRESHAM

  3. +1
    春天的园丁:2009-06-23 12:00 PM

    3

    我认为教育小孩子的经济观念很重要,
    像我从小到大就没有接触过“钱是交换工具,挣得越多你可以交换的更多“,这方面的教育,以至于我在生活中的很多方面表现出”弱智“,
    举例:找工作薪酬方面要求不高;找朋友经济方面要求不高;到现在还没学会如何很好的理财;我的攒钱办法是节约而不是再去挣钱…….

  4. wL:2009-07-20 18:52 PM

    4

    以上的我都明白。

  5. 盒子:2010-03-19 23:31 PM

    5

    确实,成长在普通家庭,家长没有什么理财概念。
    主要是靠节约。
    现在才意识到理财的重要性,
    但这方面的理念和知识都比较缺乏。。

我来说两句

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