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As a parent you should help your children understand money.  so you may start talking about money when your child shows it.
1. The basic function of money
Begin explaining the basic function of money by showing how people trade money for goods or services. It’s important to show your child how money is traded for the thing he wants to have. If he wants to have a toy, give him the money and let him hand the money to the cashier.      when your child grows a bit older and understands the basic function of money, you can start explaining more complex ways of using money.
2. Money lessons
Approach money lessons with openness and honesty.   If you must say no to a child’s request to spend money, explain “You have enough toy trucks for now.” Or, if the request is for many different things, say, “You have to make a choice between this toy and that toy.”
3.   
Begin at the grocery store. Pick out similar brands of a product—a name brand butter and a generic(无商标产品),for example. You can show your child how to make choices between different brands of a product so that you can save money.  If he chooses the cheaper brand, allow him to make another purchase with the money saved. Later, you may explain how the more expensive choice leaves less money for other purchases.

A．The value of money.

B．Wise decisions.

C．The best time to teach a child anything about money is when he shows an interest.

D．After you leave the toy store, tell him how the money buys the thing.

E. Give him a chance to make a choice
F. Give your child a reason why the things couldn’t be his.
G. Ask yourself what things that cost money are most important to you.