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.

61 comentarios:

Dayanagtz 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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Andres Pardo Munita dijo...

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.
Saludos,
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apardo@imanquehue.com

Miel Derretida dijo...

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.

Anónimo dijo...

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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generar na estrategia de ahorro me parece fundamental en la educacion a los hijos, siempre y cuando el sentido este en desarrollar una mejor inteligencia emocional, otra forma de ver la educacion, es en como nos comportamos nosotros respecto a nuestros habitos de compras y economicos, no podemos pedirles que ahorren si nos ven ir al mall comprando de todo
que les parece?

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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

buenoo me voy asike adios

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t Of course, each lady should personal Ugg boots within their organic colour. it is required. it is inside handbook. When it comes to deciding a footwear that meets your style and comfort requirements the task can become quite overwhelming. However, UGG Boots have their own flaunting looks and comfortable designs. The boots were introduced years back and are still known for their ultimate comfort and attractive appearances.as well as its products and solutions intended for women and men People here had a belief that earlier these boots were not stylish and had an ugly look. It was from the word ugly the UGG term was derived. There are varieties of different designs and styles that have come up with the changing of time. They are also known as Sheepskin boots as they have the soft sheep skin facing out and the woolen part faces the inner side of the boots. But People should take care while wearing and exercise their discretion. This is because they have a soft exterior and strong interior and prone to damage in rough conditions.it's best to avoid wearing your sheepskin boots out in heavy rainstorms [url=http://www.uggsnowbootsclearance.net]Cheap Ugg Boots[/url] Do your research and make sure what the store is offering is an authentic UGG boot. Not all websites offering discount UGG boots are shams. Again, try to patronize online resellers that can vouch for their products' authenticity. The boots are a great way of enchanting the people should you participate in a fancy dress contest or a fashion parade. The UGG tall ones can offer you a great deal of protection from all sorts of terrestrial dangers. These boots can really offer a great deal of transformation in your personality..shoes and boots yahoo has removed the amount of copies within the affairs online web site Uggs million. Two businesses in the on-line auction associated with anger, outdoors Deckers became a member of the actual organization because Ugg shop. Deckers Uggs tend to be rich is usually a deal digesting promises within The far east, whilst total Ugg Australia boots. [url=http://www.uggbootclearance.net]Ugg Boots Outlet[/url] However, you need to be careful when it comes to their quality. Some of them can be made with cheap materials and they appear similar to real UGG boots. UGGs are meant to be worn bare feet and they do not absorb foot odor.. You can also find Ugg boots made from kangaroo and ostrich skin. You can wear them without socks and feel comfortable and warm enough to wear them throughout the day. They are wide enough to give you the comfort you need and your feet do not slide around in them because of the fleece lining.a wool seatbelt cover adds a touch of style and luxury to any vehicle If you spot a Made In China label then this doesnt necessarily mean that your boot are fake. Both Classic and Short UGGs should have these labels. However, if they do have a Made in New Zealand label then they will be fakes, only the Ultra Sundances Nightfall boots are made here.

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