Teaching how to manage money is also the role of the school
Summary
Over 40% of Brazil’s adult population is in debt, a fact that reflects the country’s social inequality. Financial education in schools can be a way out of the problem.
According to the Default Indicator of the National Confederation of Shop Managers (CNDL) and the Credit Protection Service (SPC Brasil) published in October, more than 40% of the Brazilian adult population is in debt. And while factors like high interest rates are involved in this scenario, it’s also true that many people reach adulthood without knowing exactly how to manage money in a healthy way, which can lead to debt.
One of the solutions to this problem could be the provision of quality financial education in Brazilian schools. In this way, children can learn concepts such as planning, conscious consumption, citizenship, saving and financial organization from an early age.
According to Aprendi Brasil Educação’s math editor, Janile Oliveira, the concepts taught during these lessons help children begin to have a sense of responsibility and organization from an early age.
“Many people reach adulthood without knowing how to organize themselves with money, how much to save, how to save money, or even how to plan long-term goals. Learning this at school helps prevent this from happening and helps children become more confident adults about the good use of money,” she says.
Inequality should encourage financial education practices
Brazilians’ high debt levels reflect a national reality: inequality. Most people in debt are not in this situation on purpose, but because they earn little and are unable to organize their finances. In a country like Brazil, which has one of the highest rates of social inequality in the world, this knowledge is even more valuable.
“Since this is a part of the population that does not have a high income, it is essential that these people have financial education so that they can optimize the money they earn,” underlines the expert.
It’s about working with the reality that presents itself and planning all the objectives to avoid alarms, in addition to the proposal to educate to reduce the social gap.
The school plays a fundamental role
“It is very important to remember that financial education is a very recent subject. So most families are still not willing to teach their children how to manage money because the parents themselves don’t know how to do it yet. Hence the fundamental role of the school”, underlines Janile.
Remember that good habits that start from childhood can also positively influence family routines. “In many cases, it is the child who serves as the gateway for financial awareness to reach parents and guardians, because they learn in school and end up bringing this knowledge home,” he adds.
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Source: Terra
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