如何教你十几岁的孩子有经济责任感

1. Get your teen a credit card

1.给你的少年孩子一张信用卡

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.

给他们一张他们必须百分百负责的信用卡（比如百货商店的信用卡，低限额维萨信用卡或者万事达信用卡）。有些人害怕让青少年拥有信用卡，但是这是一种让他们开始有经济责任感的很好的方法。之后，随着他们逐渐长大，他们就能够获得真正属于他们自己的信用卡了。

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.

既然这是你无法阻止的事情，那为什么不在你还可以教他们的时候，来帮助教会他们如何最好地使用信用卡呢？当很负责任地使用信用卡的时候，信用卡就成了建立信用的很好的方式。而且信用卡也是一种监督你那十几岁的孩子开销的好方法。

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

2.将他们的零花钱与他们的行为表现好坏绑定

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.

当他们完成了你告诉他们定期需要做的事情，那就逐渐增加他们的零花钱。当他们持续表现不好的时候，就减少零花钱，或者直接不给他们零花钱。

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.

但是给每个青少年孩子的零花钱，开始的时候一定要很少，就只给他们一张钱花。然而要记住，这仅仅是奖励（或者惩罚）特殊行为表现的多种可能的方式之一。

3. Let them pay for everything they want

3.让他们自己支付任何他们想要的东西

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.

除了礼物和日常用品外，让孩子自己支付他们想要的任何东西。没有什么方式比这更好了，这可以将他们的得失与他们所感觉到的痛直接联系起来。许多家长和监护人宠坏了孩子，就是因为他们给孩子提供了所有不是孩子自己挣来的好东西。