Elders to the younger generation to press the old money, has always been a traditional custom of the Spring Festival, ancient called "pressure money", that is, the use of eight copper coins to expel and suppress the "qi" of this little demon, in order to ensure the safety of the children, and later slowly evolved into "pressure money", has continued to the present, implying the elders of the younger generations of good expectations and blessings.
And the amount of money to give the pressure of the year, each place is not the same, Guangdong people are more grounded, that is, 5 pieces of 10 pieces of land to ask for an auspicious, and Fujian side is basically more than 1,000 yuan, more will be more than 10,000 pieces, other places are generally tens to hundreds of amounts of money. Because there will be more relatives who give the money for the age, for the child, this is a lot of income, and who should give the money to every year, how to arrange the money is a problem worth thinking about.
01 Every year, parents say: I will help you save the money for the old age
I vividly remember that when I was young, what I most expected was for adults to give us money, because with the pressure money, we could buy our favorite toys and beautiful clothes. But the reality is often that when the child has just gotten his hands on the money, his parents will say to us: "You give us the money and we will help you keep it." "In that instant, the joy of getting the money will be gone!"
And the old age money that is generally kept for parents will eventually disappear, so in order not to let my daughter experience the disappointment I once had, I just started to say to my daughter: "Linlin, you are 5 years old this year, you can save the money yourself, okay?" When my daughter heard me say this, she jumped up happily.
But in the days of the New Year, I observed my daughter's custody and use of the old age money: every time she got the old age money, she would be very happy, and after getting her hand, she would put the pressure money in her pocket, and then go around to play, and sometimes take the money out as a toy to play, play with it and throw it directly there.
And because she had money in her hands, she ran to the village commissary under the leadership of her cousin to buy toys and candy to eat, because eating snacks was too much, and she hardly ate on the two days of the New Year! In the evening, I asked her where the money had gone today, and she couldn't answer at all.
Not only my daughter, I looked at my daughter's cousin, who also ran to buy toys as soon as he got the money, bought spicy strips that he usually liked to eat, and more than a hundred yuan was spent by the child in less than a day.
Seeing them like this, I could only say to my daughter as my parents had told me before: "Give your pressed money to your mother for safekeeping, I will help you save it, and then use it for you later!" ”
02 It is more important to teach children this than to keep it
In fact, blindly helping children keep the money is not a wise move, on the road to children's growth, it is more important to guide learning and have an important ability - financial management ability, cultivate children's financial quotient, which is more important than simply helping children keep money! Especially in the United States, Germany, the United Kingdom, Canada, Japan and other countries, financial and business education has been included in the compulsory courses of primary and secondary schools, and we still have a lot to pay attention to in the financial and business education of children.
Therefore, as Chinese parents, we should also begin to pay attention to the children's financial and business education, cultivate the children's financial intelligence, and let the children learn how to manage the money on their own.
In fact, many children will spend money indiscriminately because in their cognition there is no concept of money, and they do not know how money comes from. In the picture book "Where does the money come from", the little protagonist has thousands of things to buy by his parents and his mother, when his mother says that he does not have enough money, he reminds his mother that he can pay with a mobile phone, but when his mother pays with a mobile phone, he still cannot make up the money for his grandmother to buy gifts, and for the first time, he knows that the original money of his parents is not always used up.
Later, under the guidance of their fathers, they understood that money is the currency used to buy things, and the money of parents and mothers will not be used up all the time, the money at home is earned by the hard work of parents and mothers, we should cherish and use it reasonably, so that we can also initially let children understand that the money in their hands is not easy to come by, and should not be spent randomly.
When children understand that the pressure of the old money should not be spent randomly, then how should they reasonably arrange their own pressure money, these two volumes of "to be the little master of money" and "The good idea of money to make money" tell the child through one scene after another story:
First of all, you should put the money into a fixed piggy bank, save them, and then prepare a super bookkeeping book, record in detail the income and expenses of your own pressure money and usual pocket money, let the child initially understand their own expenditure, and then guide the child to use the money in his hands to "invest", such as saving in the bank, buying some stable financial products, etc., so that you can experience the great charm of using money to make money, and also let the child learn to better arrange their own money!
03 Financial skills that children of different ages should develop
The cultivation of children's financial management ability has different emphases in different ages, and parents can carry out targeted training according to the age of their children.
At the age of 3, you can know banknotes and coins, and simply describe the pictures and numbers on banknotes and coins with your child.
At the age of 4, learn to use coins to buy simple daily necessities and encourage children to do it independently.
At the age of 5, guide children to understand that money is exchanged for labor and is not easy to come by, and establish a correct view of money.
At the age of 6, he knew a large amount of coins, began to learn to save money, and at the same time understood the transaction of money in life.
7-8 years old, know the label on the product, and know whether the money in your hand is enough to buy the goods on the label.
9-10 years old, know how to make their own money plan, distinguish which money to spend, spend it in valuable places.
Only by guiding children to know how to manage their own old money can we completely end the vicious circle of helping children keep the pressure money, let children learn to manage their own "wealth", and learn an important ability to control their own lives!
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