Spring Festival New Year's Greetings, children are the happiest, because they can receive a lot of money, this elder gives a red packet, that elder gives another ... Within a few days, the child became a "little rich man" and smiled closely.
And the parents are worried, how to deal with the child's pressure money? Let them take it for fear of accidentally losing it, and the second is afraid of spending money and squandering it, if they are tough to come over, they are afraid that the child is not willing to make trouble.
It's a really tricky question, how have we done it in the past?
1
We will say to the child, "Baby, come and give it to mom, and mom will save it for you first!" "But the existence is gone, and many netizens say that this is the biggest lie that their parents have told."
And if it is forced to come over, the child will definitely jump on his feet, which will arouse the child's rebellious psychology. Obviously, it was given to him by other elders, and why he was taken away, the child would be very unwilling and sad.
But if the child is left alone, it will all be spent in a few days, because the child will privately compare who has more money and who buys more things, no matter if you don't ask, the child can easily become a gold worshipper and a comparison.
The teacher feels that it must not be accepted, although this is the most direct, but the harm to the child is also the greatest, the child will become extremely eager for money, will be resentful, and will not be used reasonably when he earns money later, because when he was a child, he missed the critical period of the cultivation of the concept of money.
In fact, this is a good opportunity to help children understand the cultural significance behind the pressure of money, help children better understand money, and then cultivate children's correct view of money and consumption.
2
The child will be very happy to receive the old age money, and can tell the child the story behind the pressure money through the child's happiness, "Child, do you know why the elders want to give the child the old age money in the New Year? ”
During the Spring Festival, the elders give the younger generations a red envelope of pressure money is a traditional custom, children pay homage to the elders, the elders will press the old money to the children, it is said that the pressure of the old money can suppress the evil spirit, the sound of the same age. It carries a blessing, represents the care of the elders for the younger generations, and is a transmission of love.
But the pressure of the old money is not "unearned", others give themselves the pressure of the old money, parents also gave each other's children pressure money, in the end, this money is still the parents' money, then how did the parents' money come from? This, of course, is earned through hard work.
3
After letting the child understand the culture behind the pressure money and the source, you can teach him to understand money, what can money do? Children must be very positive about this problem, because they can buy sugar, buy stationery, buy beautiful books, buy clothes, buy hair cards, buy posters, buy albums... You can also party with friends, watch movies...
In fact, in addition to knowing that money can be spent and can buy things, children do not know what money can do? Their understanding of money is very limited, so this is definitely a good opportunity for children to popularize science.
"Do you know what your parents will do after they have paid their salaries and have money?" Adults are the best way to cultivate their children's view of money by telling them how they use money, and this is the example! The child must be very interested in how the parents spend money, and then they can tell the child that the parents' salary is the family's income, and the family income should be reasonably distributed and used: the normal cost of daily chai rice oil and salt, the child's education investment, the family's health insurance, but also to save a part of the money for later use, as well as buy some books, report some classes to recharge and improve themselves, and sometimes donate love...
Teach children what the normal expenses of life are, what is the investment in education, what insurance is, what savings are, what investment is, what is charity... Classify to the child to tell the different uses, what kind of impact on themselves, on the family, or on others, so that the child will have a deeper and more comprehensive understanding of money, and the child's view of money will be formed step by step.
4
After giving the child the above knowledge of money, how to deal with the money? You can discuss it with your child first, and you must respect your child's opinion, which is the basis for cultivating your child's view of money. The teacher felt that the money could be divided into four parts:
● The child has a part of his or her own control
Children are happy to have money, mainly because of the "desire to dominate", so we must give the child a part to let him control, such as buying learning aids, extracurricular books, toys and snacks. Let him write a list of necessities first, have the opportunity to spend money, and learn to keep accounts, so that he can clearly see where the money is spent.
● Open a bank account and deposit a portion
Take the child to the bank together, open a bank account in the child's name, the teacher still remembers the first time to open a bank account for the girl to deposit money, she was excited and excited, she said, "I feel like I suddenly grew up." This can make children realize from an early age that financial management is a part of their own lives, cultivate her sense of responsibility, and form good habits of accumulating wealth.
Some of the requirements for opening a bank account for your child are as follows:
For minors to open accounts, Chinese Bank has unified regulations: Chinese citizens under the age of 16 living in China should be represented by a guardian to open a personal bank account, and a valid identity document of the guardian and the resident identity card or household registration book of the account user should be issued. The specific requirements are:
It must be accompanied by a guardian, and the guardian must fill in the card information as an agent.
Proof of guardianship is mandatory. (Birth certificate or only child certificate)
Household registration books or identity cards for children and agents. (It is best if the child and adult are on the same page)
● Give a love
Children can be encouraged to send small gifts to elders and teachers, which can cultivate children's sense of gratitude. In addition, you can also tell children that when we are living happily and discussing how to spend money for the age, there are many people in the distance who have a very difficult life, such as children in disaster areas, left-behind children in poor mountainous areas, etc., they need everyone's help, we can also donate a little money, donate a love.
● Family butler
This is very fun, one day or a certain week, let the child be the master, take out a part of the pressure money as a family expense, let the child be responsible for buying vegetables, buying steamed bread, buying soy sauce, etc. This way can make children feel the happiness of responsibility and responsibility, and also let children understand the difficulties of parents.
Although it is a small pressure on the old money, but it tests the wisdom of parents, help children understand money, learn to use money correctly, in order to cultivate children's concept of money from an early age, and the back of the financial business cultivation to lay a solid foundation, which will benefit children for a lifetime.
(Straits Tutor)
Source: New Parents Online