金钱选择：建立你的财商思维
年轻人今天做出的财务选择，会影响他们未来多年的习惯。
授课专家Maria Habib财商思维教练查看简介 为什么要学
这门课程为什么重要
年轻人其实已经在做财务决定了。
他们要决定买什么、存什么、什么最重要，也要面对广告、社交媒体、情绪和朋友带来的压力。
如果没有扎实的基础，小小的消费习惯可能会演变成更大的财务问题。
这门课程教学生先停一停、想一想，做出有助于实现个人目标的决定。
学习成果
学生将学到什么
- 理解日常选择如何影响自己的财务未来
- 分清“需要”和“想要”
- 识别情绪化消费和冲动消费
- 了解同伴压力如何影响决定
- 想清楚花钱时放弃了什么
- 带着明确目的去储蓄
- 避开常见的金钱陷阱
- 制定一份简单的个人理财计划
7 个主题
课程主题
- 01为什么金钱选择很重要
学生会认识到，管理金钱不只取决于赚多少钱，也取决于自己做出的选择。
- 02建立聪明的财商思维
学生会探索想法、情绪、习惯和自信心如何影响自己的财务行为。
- 03需要、想要与优先顺序
学生学习如何区分必要支出和可有可无的消费。
- 04日常选择的代价
学生会发现，小小的消费决定也会影响未来的目标和机会。
- 05有目的地储蓄
学生会明白，为什么尽早储蓄能培养自律、增强自信，并带来更大的自由。
- 06四个钱袋子
学生会了解一种简单的方法，把钱分成消费、储蓄、增值和分享四部分。
- 07避开金钱陷阱
学生学习如何识别冲动购物、同伴压力、不必要的订阅和不健康的消费习惯。
期末实践活动
我的 7 天理财计划
课程结束时，每位学生都会制定一份实用的 7 天理财计划。
- 1观察自己每天的消费选择
- 2找出一个想改进的习惯
- 3设定一个简单的储蓄目标
- 4为自己定一条管钱的规则
- 5把所学用到真实生活中
收获
学生将培养的技能
适合人群
这门课程适合谁？
- 13 至 18 岁的学习者
- 没有任何金融基础的学生
- 准备开始自己管钱的年轻人
- 对金融、商业或创业感兴趣的学习者
- 希望孩子养成负责任用钱习惯的家长
常见问题
关于这门课程的常见问题
What age group is this class designed for?
The class is designed for learners aged 13 to 18.
Does the student need previous finance knowledge?
No. This is a beginner-friendly class and does not require any previous knowledge of finance or business.
What will the student learn?
Students learn how to make smarter money decisions, separate needs from wants, control impulsive spending, save with purpose, and avoid common money traps.
Is the class practical or only theoretical?
The class is practical. It uses relatable examples, reflection questions, and activities that students can apply in their daily lives.
Does the class include a final activity?
Yes. Students complete a seven-day money plan that helps them improve one financial habit and set a simple saving goal.
Is this class about investing or trading?
No. This class focuses on personal financial habits and responsible decision-making. It does not teach or encourage trading or speculation.
Can a complete beginner understand the class?
Yes. The content is presented in simple, clear, and age-appropriate language.
Is this class part of a larger programme?
Yes. It is the first class in the Future Leaders in Finance & Business Program.
Does completing this class give the full programme certificate?
This class contributes toward the full programme. The Future Leaders in Finance & Business Certificate is awarded after the learner completes the programme requirements.
Can parents follow what their child is learning?
Parents can review the class topics, learning outcomes, and final activity to understand the skills their child is developing.