Quelques astuces pour apprendre à nos enfants à épargner

10 août 2018

Dès leur plus jeune âge, nos petits Koalas sont confrontés à la notion de l’argent. Anniversaires, étrennes, noël, récompenses… ces petits plus offerts par leur entourage les déstabilisent parfois, ils n'en saisissent pas toujours la valeur. Comment leur faire comprendre la notion et l’utilité de l’épargne ? Voici nos conseils.

                              

Une tirelire pour commencer à épargner

Quand ils sont petits, rien de tel qu’une tirelire pour leur montrer que l’accumulation de toutes leurs pièces de monnaie fait un petit pécule quand on ouvre le petit cochon pour compter. Et quelle fierté pour eux quand leurs parents échangent les 10 pièces de 2 € contre un billet de 20 € ! On peut par exemple concrètement leur montrer que leur magazine préféré coûte « tant » de pièces. Leur apprendre à compter les centimes… On expérimente avec eux. L’essentiel étant de les amener à comprendre que l’épargne permet de satisfaire ses envies à plus long terme, elle apprend la patience.

Ouvrir un compte épargne pour mineur

Quand la tirelire commence à déborder ou que les billets se font de plus en plus gros, leur ouvrir un compte épargne enfant c’est la progression logique. Notre Koala continue ensuite d’alimenter sa tirelire à chaque fois qu’il reçoit de l’argent et on le dépose à nouveau quand la somme totale est conséquente. En lui montrant les relevés de son compte épargne, il se rend compte de lui-même que grâce à sa patience, ses économies ne cessent de croître.

Donner l’exemple en épargnant aussi

Comme dans tous les domaines, l’exemple est en matière d’économies et d’épargne important. Quand ils sont plus grands, l’on peut évoquer avec eux un futur achat important en leur montrant que pour le réaliser il nous a fallu épargner. En faisant du shopping, on explique qu’on craquerait bien pour un nouveau vêtement mais que l’on choisit de ne pas se laisser tenter pour mener à bien nos projets. Une histoire de petits ruisseaux qui deviennent de grandes rivières…

Fbck X

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                        (
                            [action] => action
                            [export_personal_data] => export_personal_data
                        )

                )

            [member_help] => Array
                (
                    [action] => index
                    [actions] => Array
                        (
                            [index] => index
                            [popup_duplicate_rnc] => popup_duplicate_rnc
                            [notify] => notify
                        )

                    [secure] => 1
                    [title] => Espace membre
                )

            [member_invitation] => Array
                (
                    [action] => index
                    [actions] => Array
                        (
                            [index] => index
                            [provider] => provider
                        )

                    [secure] => 1
                    [title] => Espace membre
                )

            [member_koalition] => Array
                (
                    [action] => index
                    [actions] => Array
                        (
                            [index] => index
                            [photokoal] => photokoal
                            [updateinfos] => updateinfos
                            [proratas] => proratas
                            [koalitions] => koalitions
                            [creation] => creation
                            [creation_unicef] => creation_unicef
                            [invitation] => invitation
                            [invitation_unicef] => invitation_unicef
                            [complete_association] => complete_association
                            [beneficiaires] => beneficiaires
                            [complete_creation] => complete_creation
                        )

                    [secure] => 1
                    [title] => Espace membre
                )

            [member_koalition_invitation] => Array
                (
                    [action] => index
                    [actions] => Array
                        (
                            [index] => index
                            [provider] => provider
                        )

                    [secure] => 1
                    [title] => Espace membre
                )

            [member_merchant] => Array
                (
                    [action] => index
                    [actions] => Array
                        (
                            [index] => index
                        )

                    [secure] => 1
                    [title] => Espace membre
                )

            [member_notification] => Array
                (
                    [action] => index
                    [actions] => Array
                        (
                            [index] => index
                            [archive] => archive
                            [mark_as_read] => json
                        )

                    [secure] => 1
                    [title] => Espace membre
                )

            [member_order] => Array
                (
                    [action] => index
                    [actions] => Array
                        (
                            [index] => index
                        )

                    [secure] => 1
                    [title] => Espace membre
                )

            [member_payment] => Array
                (
                    [action] => index
                    [actions] => Array
                        (
                            [index] => index
                        )

                    [secure] => 1
                    [title] => Espace membre
                )

            [merchant] => Array
                (
                    [action] => index
                    [actions] => Array
                        (
                            [offline_register_success] => offline_register_success
                            [offline_scrap] => offline_scrap
                            [offline_register] => offline_register
                            [offline_merchants] => offline_merchants
                            [increase] => increase
                            [index] => index
                            [mobile_menu] => mobile_menu
                            [promotion] => promotion
                            [search] => search
                            [search_google] => search_google
                            [view] => view
                            [rating] => rating
                            [comment_create] => comment_create
                            [export] => export
                        )

                    [title] => Commerçants
                )

            [news] => Array
                (
                    [action] => index
                    [actions] => Array
                        (
                            [index] => index
                            [actu] => actu
                        )

                    [title] => Actualités
                )

            [newsletter] => Array
                (
                    [action] => subscribe
                    [actions] => Array
                        (
                            [subscribe] => subscribe
                            [unsubscribe] => unsubscribe
                            [status] => status
                        )

                    [title] => Newsletter
                )

            [notify] => Array
                (
                    [action] => action
                    [actions] => Array
                        (
                            [adblock] => adblock
                        )

                    [title] => Notice
                )

            [offers] => Array
                (
                    [title] => Offres spéciales
                )

            [current_offers] => Array
                (
                    [action] => index
                    [actions] => Array
                        (
                            [index] => index
                        )

                    [title] => Offres du moment
                )

            [partner] => Array
                (
                    [action] => index
                    [actions] => Array
                        (
                            [index] => index
                            [view] => view
                            [detail] => detail
                        )

                    [title] => Partenaires
                )

            [provider_gateway] => Array
                (
                    [action] => action
                    [actions] => Array
                        (
                            [is_logged] => is_logged
                            [callback] => callback
                        )

                    [secure] => 1
                    [title] => Authentification tiers
                )

            [redirector] => Array
                (
                    [action] => action
                    [actions] => Array
                        (
                            [merchant] => merchant
                            [partner] => partner
                            [product] => product
                            [history] => history
                        )

                    [title] => Redirection
                )

            [register] => Array
                (
                    [secure] => 
                    [action] => index
                    [actions] => Array
                        (
                            [index] => index
                            [beneficiaires] => beneficiaires
                            [notification] => notification
                            [complete_association] => complete_association
                            [complete_creation] => complete_creation
                        )

                    [title] => Inscription
                )

            [register_landing] => Array
                (
                    [action] => index
                    [actions] => Array
                        (
                            [index] => index
                        )

                    [title] => Inscription
                )

            [video] => Array
                (
                    [action] => action
                    [actions] => Array
                        (
                            [demo] => demo
                            [news] => news
                            [presentation] => presentation
                        )

                    [title] => Vidéo
                )

            [401] => Array
                (
                )

            [403] => Array
                (
                )

            [404] => Array
                (
                )

            [500] => Array
                (
                )

            [600] => Array
                (
                )

        )

)

3. app-env

Array
(
    [title] => Development
    [domain] => dev.capitalkoala.com
    [db] => Array
        (
            [host] => localhost
            [user] => capitalkoala
            [pass] => MAfmMZRmxEfhRmUy
            [base] => capitalkoala
            [table_prefix] => ck_
        )

    [emails] => Array
        (
            [from] => jconan@all-devs.fr
            [return-path] => jconan@all-devs.fr
            [help] => jconan@all-devs.fr
            [site] => jconan@all-devs.fr
            [support] => jconan@all-devs.fr
            [webmaster] => jconan@all-devs.fr
        )

    [cache] => 
    [error_mode] => 1
    [log] => Array
        (
            [file] => Array
                (
                    [verbosity] => 4
                )

            [toolbar] => Array
                (
                    [verbosity] => 4
                    [analyze] => 
                    [benchmark] => 
                    [autoopen] => 
                )

        )

    [seo] => Array
        (
            [allow_index] => 
            [rewrite_urls] => 1
        )

    [statics_url] => 
    [locale] => fr
    [providers] => Array
        (
            [facebook] => Array
                (
                    [consumer_key] => 227320107308971
                    [consumer_secret] => b7e6494710314c47bb14b1a6f279cca8
                )

            [facebook-tab-poker] => Array
                (
                    [consumer_key] => 227320107308971
                    [consumer_secret] => b7e6494710314c47bb14b1a6f279cca8
                )

            [gmail] => Array
                (
                    [consumer_key] => 634403623486.apps.googleusercontent.com
                    [consumer_secret] => Szsx4kjhiVapIXgqKNlvkBE8
                    [refresh_token] => 1/ubb0FZSEkxRI-kF-TO6Y_frh_dP9EUCv14CPNhL12gc
                )

            [yahoo] => Array
                (
                    [consumer_key] => dj0yJmk9MlptZ2NZc1FUTVp6JmQ9WVdrOVIwVjVRWEJsTkdjbWNHbzlOemt4TmpjMk56WXkmcz1jb25zdW1lcnNlY3JldCZ4PTU0
                    [consumer_secret] => c6be752afb80dcda438122a3a14ad26a9ac1b9ee
                    [app_id] => GEyApe4g
                )

        )

    [stat] => 
    [affiliate_universal_password] => jeJk6awtDg
    [facebook_api_id] => 227320107308971
    [name] => dev_alldevs_fr
    [filepath] => /var/www/capitalkoala/public_html/
    [path] => /
)

4. view

Array
(
)

PHP globals

All (7)

$_GET

$_POST

$_FILES

$_COOKIE

$_SESSION

$_SERVER

CONSTANTS

1. $_GET

Array
(
    [app] => site_ck
    [pg] => label
    [action] => mag
    [ref] => apprendre-a-epargner-a-son-enfant
)

2. $_POST

Array
(
)

3. $_FILES

Array
(
)

4. $_COOKIE

Array
(
)

5. $_SESSION

Array
(
    [csrf_tokens] => Array
        (
            [form] => Array
                (
                    [e9fca6a97ade7920f1d387cd5fb88a59] => e9fca6a97ade7920f1d387cd5fb88a59
                    [58e40567632f081a9e8f76ec4df9ecf8] => 58e40567632f081a9e8f76ec4df9ecf8
                    [082d900745e23bb6db0f63e0dc44f8c1] => 082d900745e23bb6db0f63e0dc44f8c1
                    [4fbe6bf2ef0f1ddfc5bbe060fb757e29] => 4fbe6bf2ef0f1ddfc5bbe060fb757e29
                    [1629fcd90f23b3e2ea8bcf0bd7bdf304] => 1629fcd90f23b3e2ea8bcf0bd7bdf304
                    [d054acd4683210c06802d7a977e3a8f3] => d054acd4683210c06802d7a977e3a8f3
                )

        )

)

6. $_SERVER

Array
(
    [USER] => capitalkoala
    [HOME] => /var/www/capitalkoala
    [SCRIPT_NAME] => /front/ck/index.php
    [REQUEST_URI] => /label-koala/mag/apprendre-a-epargner-a-son-enfant/
    [QUERY_STRING] => app=site_ck&pg=label&action=mag&ref=apprendre-a-epargner-a-son-enfant
    [REQUEST_METHOD] => GET
    [SERVER_PROTOCOL] => HTTP/1.1
    [GATEWAY_INTERFACE] => CGI/1.1
    [REDIRECT_QUERY_STRING] => app=site_ck&pg=label&action=mag&ref=apprendre-a-epargner-a-son-enfant
    [REDIRECT_URL] => /front/ck/label-koala/mag/apprendre-a-epargner-a-son-enfant/
    [REMOTE_PORT] => 56844
    [SCRIPT_FILENAME] => /var/www/capitalkoala/public_html/front/ck/index.php
    [SERVER_ADMIN] => [no address given]
    [CONTEXT_DOCUMENT_ROOT] => /var/www/capitalkoala/public_html/
    [CONTEXT_PREFIX] => 
    [REQUEST_SCHEME] => https
    [DOCUMENT_ROOT] => /var/www/capitalkoala/public_html/
    [REMOTE_ADDR] => 54.226.73.255
    [SERVER_PORT] => 443
    [SERVER_ADDR] => 83.96.200.144
    [SERVER_NAME] => dev.capitalkoala.com
    [SERVER_SOFTWARE] => Apache
    [SERVER_SIGNATURE] => 
    [PATH] => /usr/local/sbin:/usr/local/bin:/usr/sbin:/usr/bin:/sbin:/bin
    [HTTP_ACCEPT_ENCODING] => gzip
    [HTTP_CONNECTION] => Keep-Alive
    [HTTP_HOST] => dev.capitalkoala.com
    [HTTP_ACCEPT_LANGUAGE] => en-US,en;q=0.5
    [HTTP_ACCEPT] => text/html,application/xhtml+xml,application/xml;q=0.9,*/*;q=0.8
    [HTTP_USER_AGENT] => CCBot/2.0 (https://commoncrawl.org/faq/)
    [proxy-nokeepalive] => 1
    [SSL_TLS_SNI] => dev.capitalkoala.com
    [HTTPS] => on
    [ZEND_OPTIMIZER] => 1
    [SESSION_USE_TRANS_SID] => 0
    [REGISTER_GLOBALS] => 0
    [MAGIC_QUOTES] => 0
    [PHP_VER] => 5_4
    [REDIRECT_STATUS] => 200
    [REDIRECT_SSL_TLS_SNI] => dev.capitalkoala.com
    [REDIRECT_HTTPS] => on
    [REDIRECT_ZEND_OPTIMIZER] => 1
    [REDIRECT_SESSION_USE_TRANS_SID] => 0
    [REDIRECT_REGISTER_GLOBALS] => 0
    [REDIRECT_MAGIC_QUOTES] => 0
    [REDIRECT_PHP_VER] => 5_4
    [REDIRECT_REDIRECT_STATUS] => 200
    [REDIRECT_REDIRECT_SSL_TLS_SNI] => dev.capitalkoala.com
    [REDIRECT_REDIRECT_HTTPS] => on
    [REDIRECT_REDIRECT_ZEND_OPTIMIZER] => 1
    [REDIRECT_REDIRECT_SESSION_USE_TRANS_SID] => 0
    [REDIRECT_REDIRECT_REGISTER_GLOBALS] => 0
    [REDIRECT_REDIRECT_MAGIC_QUOTES] => 0
    [REDIRECT_REDIRECT_PHP_VER] => 5_4
    [FCGI_ROLE] => RESPONDER
    [PHP_SELF] => /front/ck/index.php
    [REQUEST_TIME_FLOAT] => 1555762300.5627
    [REQUEST_TIME] => 1555762300
)

7. CONSTANTS

Array
(
    [DIRECT_ACCESS] => 1
    [FBCK_BENCH_START] => 1555762300.5628
    [SITE_ID] => 1
    [SITE_REF] => ck
    [FBCK_VERSION] => 0.5.0
)