Talking to Your Kids About Money Troubles课件.ppt

Talking to Your Kids About Money Troubles Gary Malone, LMFT, CFLE Child, Family, Consumer Sciences 精品文档 Life Has Been Good! 精品文档 Who would have Thought? The dramatic downturn in real estate! 10/09 --35% of LA homes up-side down! The most severe recession since the Great Depression! Jobless rates of 10% (17% estimates)! Government jobs no-longer secure! 精品文档 Things Aren’t as Rosy! 精品文档 Things Aren’t as Rosy! 精品文档 Stress Stress is the way we react to the demands of life mentally, physically and emotionally. Family Stress is an upset to the steady state of the family! “ A big rock in the family pond!” 精品文档 Family Systems Theory H C W C GM C 精品文档 During Family Crisis Keep Your Conversations Private! Kids understand more than you think! But not as much as you’d think! 精品文档 Manage Your Stress Levels Crisis is an accumulation of smaller stresses over time. Even strong parents families go into Crisis! Just “toughing it out” is not managing. Get support – Use Resources EAP / Church / Doctor / Mental Health Counselor Relaxation techniques / Exercise / Yoga 精品文档 Talking to Your Kids Be honest but skip the drama. (We’re trying to cut back. That’s why we aren’t renting as many movies or ordering pizza.) Be honest, but don’t tell them everything is OK when you are going to get laid off. ( They need to trust what you tell them.) Don’t tell them more than they need to know. ( Don’t share every detail.) During your talk, don’t convey fear or anxiety, even if you feel it. (Parent’s distress upsets kids more than the loss of material things.) Make sure you and your spouse agree on what you are going to say. ( Don’t send mixed messages.) 精品文档 Talking to Younger Kids5 to 9 Younger kids are most concerned about themselves and need assurance in simple and concrete terms that they will be cared for. Many can understand the concept of saving to buy more expensive things later. They can make wish lists of what they want for birthdays Christmas. It’s OK to reject pleas. Yo