Although the taste of the New Year is getting weaker and weaker, there is no such fun as lion dance and firecrackers in childhood, but the sense of new year ritual is still indispensable. Wearing new clothes, wearing new hats, eating Chinese New Year's Eve meals, keeping the age, and collecting old money are still the things that children are most looking forward to.
In the new year, the richest people are children. Chinese New Year's Eve night, there are elders who press the old money, and there are red envelopes in the first month, ranging from one hundred and ten yuan to thousands of dollars, and tens of thousands of daily income is not a dream.
On the first day of the first month of the new month, the news that Zhou Kouhao's aunt gave 4 nephews 10,000 people rushed to the hot search. Parents said that the aunt thought that the nephew was more cute, so she sent red envelopes higher. At the same time, they said that they would keep the money for the children.
I can only say that this little aunt is really arrogant, I don't know if there is a lack of uncles? And the child's parents keep the old money for the child, and there is no return.
I remembered that every time I collected the money for the New Year, I was put away by my parents when I changed my hands, saying that I wanted to save it and use it later. Really the same parents! The flowers are similar from year to year, but different from year to year.
How did your parents deal with the pressure on the old money? Which parent are you?
All confiscated parents
"The red envelopes you receive are all sent out by me, they are the exchange of courtesies between relatives, and the red envelopes you receive are mine, and they will all be handed over to me after the New Year."
When I was a child, although the amount of red envelopes was small, ten yuan were all large red packets, but the red envelopes received were basically accepted by my parents in a fair way. My parents turned around and handed out my red envelopes to other cousins.
This type of parent usually feels that the child does not have the ability to manage money, and does not trust the child, which will make the child lose the opportunity to recognize money and also lose the opportunity to cultivate financial intelligence. Children have no concept of money and do not know how to manage it.
Fully trusted parents
"The red envelopes I received for the New Year were all in my own hands, and my parents never cared about it, because they always trusted me." Yan Fen, a junior high school classmate, is such a lucky child and the person we envy the most. Her parents have been working outside the home and are responsive to her needs, and the Red Envelopes for the New Year are for Yan Fen to keep by herself.
This type of parent usually gives the child freedom to let the child decide the use of the money for himself, and the child will learn to manage the money in the free use, knowing that the money is limited. But the disadvantage is that if the amount of money is huge, it will develop the bad habit of being extravagant and do not know how to save.
Labor-changing parents
"Children, there is no free lunch in the world, and there will be a reward if you pay." We keep your old age money for you, and you can exchange your labor for pressure money as a reward and send it to you. ”
Such parents usually have the wisdom to hope that their children will have the ability to support themselves, to obtain the fruits of victory through labor, and to encourage children to develop the habit of labor from an early age. But the disadvantage is that parents are too domineering, depriving children of the ability to make their own decisions and suppress the money. After all, pressing the old money is the blessing of the child, the child has the most right to speak, and the parents can participate but cannot decide.
Convert tuition-type parents
"Child, it is not easy for parents to earn money, don't spend it!" Count how much money you have? Just enough to pay for the next academic year's tuition. “
This type of parent is usually more frugal and feels that money should be spent on the cutting edge, which is very worth advocating. But what our parents should pay attention to is that we can't use frugality as a means of kidnapping our children and not giving them a little pocket money. Children will be in the excessive frugality of their parents, do not understand life, and withhold themselves.
Frugality is our traditional virtue and the accepted starting point of wealth for the Jews, but it is too much. Instead of teaching children to do everything possible to save, it is better to teach children to correctly understand money.
"Mom and Dad earn money by going to work, and our family is not rich, but there is no shortage of money. We should spend money in a planned way. For example, you are the owner of the new year's money, but we can use the old age money to pay tuition fees and buy books and stationery that you like..."
Financial planning parents
"Baby, so much money, your parents take you to set up a pressure money account and teach you how to keep the pressure money with high quality!"
This type of parent usually has great wisdom and knows that managing money rationally is the greatest wealth for their children. They not only teach children how to recognize money and how to save money, but they also teach children how to spend money, so that they can make money better.
The pressure of money is an excellent opportunity for parents to cultivate their children's financial quotient, teach children to understand the source and use of money, and encourage children to form good consumption habits, so as to form a good financial quotient.
In the picture book "Three Cups", parents give their children's 5th birthday gifts as savings cups, consumption cups and love cups. At the same time, they told children that they could put 30% of their pocket money in the "consumption cup", 20% put the "savings cup" and 10% put the "love cup".
Then, the parents take the child to the bank to open an account exclusive to the child, telling the child that there can be interest on the savings. With the money in the cup, you can buy the supplies you need, or you can save enough to buy expensive toys that you like. The money in the love cup can start from the small things around you to help those in need.
In the New Year, the children receive the pressure of the old money, we can also carry out financial education for the children from the three aspects of savings, consumption and love.
1. Pay attention to savings
Buffett once said in an interview that developing good habits and savings is more important than IQ.
We can learn from the parents in "Three Cups", take the child to the bank, and get a bank card in the name of the child to teach the child how to save money. Teach your children the concept of accumulation of small and large, so that they know the importance of sand accumulation and compound interest. We can tell our children that there is no financial management without principal, and only if we have principal in our hands and understand basic savings, we will have the opportunity to have money and make money.
2. Reasonable consumption
Only when we allow children to freely dispose of money will children understand the meaning of money in use, know that money is limited, and they will not worship gold when they grow up, do not lack, and use money reasonably.
To help children establish a good concept of consumption, we must teach children to understand the "needs" and "wants" but different, rational consumption without extravagance. "Need" is a necessity of our life, and it is impossible to do without them, such as vegetables, meat dishes, soy sauce, rice, oil and salt, learning utensils, books, etc. "Wanting" is what we like, but it's also possible without them, such as candy, toy guns, dolls, etc.
When we take our children to the supermarket, we can take our children to make a shopping list, list the necessities and wants, and tell the children that they can buy a toy at a time, so that the children can learn to choose.
3. Learn to donate
Yang Zhanyu wrote in his "Record of Time": "Family affection may be the purest feeling in the world, in addition to love and care, there should also be gratitude." ”
It is a happy thing for children to receive money for the New Year, but we should teach children to learn to be grateful, not only for the family and relatives who give blessings, but also for many strangers who have never met. It is precisely because of everyone's mutual help and mutual assistance that we have harmony and stability.
We can encourage children to put a portion of their money in a love cup and donate it later to those in need. You can also take your child to donate unused toys and picture books to children in need, so that children can learn to be grateful.
And love and gratitude are the most precious gifts we give to children.
Write at the end
Although children do not have the ability to manage money, Rome was not built in a day, and children's financial merchants were not achieved overnight. Since pressing the old money is our blessing to the child, let the child be the master of the money, take the child to use the pressure money to understand the money, learn to consume and save.
Hurry up and play the "three piggy bank" games with your children, so that children can learn to save, consume and be grateful.
What type of parent are you? Welcome to leave a message to communicate.