lunes, enero 08, 2007

La Mesada

Una de las formas de educar a los niños en el uso del dinero y por tanto, socializarlos en el conocimiento de la economía cotidiana es a través de la asignación de una mesada. Los estudios muestran que esta debería comenzar a entregarse entre los 8 a 10 años y ser dada inicialmente en forma semanal y luego entregarse mensualmente. El uso de la mesada debe estar destinado a los gastos particulares del niño y no debería incluir aquellos costos que son obligación de los padres como útiles escolares o locomoción.
Así, el propósito de la mesada es permitir al niño desarrollar habilidades de planificación de sus finanzas personales, aprender a ahorrar y educar su voluntad y poder de decisión. Los padres que entregan a sus niños una cantidad especificada y semanal de dinero, en vez de entregarle según sus necesidades, les dan una experiencia de aprendizaje práctico en cuanto al manejo del dinero y fortalecen sus capacidades para ajustarse a su realidad económica, dada en este caso por los límites de su propia mesada. Ello significa que si al día siguiente ya se gastó toda su mesada, tendrá que esperar a la siguiente para tener dinero disponible y los padres sabrán mantenerse firmes ante sus ruegos y demandas.
Aun cuando se está de acuerdo en los beneficios que brindan las mesadas, esta no se debe confundir ni con un premio por buena conducta o logros escolares ni con el pago por la realización de tareas domésticas. Los niños deben darse cuenta de que todos los miembros de la familia se benefician del logro de una casa limpia y ordenada y por tanto, todos deberían contribuir a ello.
Una excepción puede ser el pago por labores del hogar distintas a las habituales y para las cuales la familia pensaba contratar ese servicio, por ejemplo, cortar el pasto o lavar el auto, con ello también estaremos educando a nuestros niños en el sentido del trabajo y del emprendimiento para el logro de las metas personales, preparándolos con herramientas más efectivas para su futura vida adulta.

104 comentarios:

Dayana Gutiérrez dijo...

Desde mis 11 años estoy recibiendo mi mesada redistribuida todos los sabados, creo que es un buen mecanismo para que los niños organizen su dinero y puedan distribuirlo de manera equitativa en las diferentes cuestiones que estos necesiten, teniendo presente el ahorro en todo momento, para que no se acostumbren a estar sin un peso en el bolsillo.

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Marianela:
Soy alumno de psicología e interesado en la psicología económica y del consumidor. A través de un libro del profesor Ismael Quintanilla me enteré que te dedicabas a este tema.
Me sería muy grato poder contactarte para consultarte un par de cosas que no he podido aclarar sobre como profundizar en estas materias.
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apardo@imanquehue.com

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Hola! llegue por becuadro y me gusto mucho lo que escribiste sobre las mesadas, que es tooodo un tema durante la crianza. estudie sociologia y en los ramos de sicologia y sicologia social lei algo relacionado al asunto de las mesadas a los niños, encontre super interesante lo que leia, muy parecido a lo tuyo y se lo mencione a mi madre que es profesora de educacion basica, quien utilizo lo de las mesadas a los niños para crear algo asi como una cuenta de ahorro en el curso, donde cada niño recibio una libreta que llevaba anotado cada deposito (las libretas eran de catulina y demases obviamente, nada tenia que ver el banco de verdad) fomentando de esa manera que parte de la mesada de los niños fuera depositada alli hasta juntar aproximadamente 5 mil pesos para comprarse una agenda del año siguiente a fin de año... la iniciativa fue muy buena y los que juntaron mas del numero tope (que eran la mayoria) quedaron mas felices... entendieron tangiblemente lo bueno de poder ahorrar, y asi repitieron año a año lo del banco del curso... no es porque sea mi madre, pero ojala pudiera tratarse mas en casa y en aula el fomento del ahorro y buen manejo de la mesada, por supuesto que sirve mucho a largo corto y plazo ser ordenada con las cuentas, sirve para toda la vida... recuerdo tambien de lo que lei sobre la dificultad que muchas veces tenian los padres cuando se les complica esto de las mesadas, sobre todo porque mal acostumbraban a los niños a darles demasiados estimulos materiales por cada buena accion, cosa que los niños percibian, haciendo cada vez mas cosas buenas, ganandose los premios y lo peor es que sin saber aquello del ahorro... solo gastar, que malas consecuencias trae eso!

saludos, Miel.

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Hola !!
Creo que es muy interesante lo que escribiste sobre las mesadas, nunca lo habia visto desde ese punto de vista, lo tendre en cuenta cuando llegue a tener hijos y asi puedan tener un poco mas de conciencia economica y sobre todo del ahorro pues en estos tiempos es muy inmportante.

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hola soy sheila de mexico yy puess el dia de hoy 6 de febreo estaba invesigando ke se significaba mesdada entonces puesss ya me di cuenta lo ke se significa asi ke les dijee a miss papas y ya me dieron mi primer mesada de 10 peso

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