It is said that many children want to call 110 these days:
"Uncle Cop?" My money was robbed, can you help me get it back? ”
What's going on? "My mom said, 'Press the old money to help you save,' and she took my money away. Last year, the year before, the year before, for several years, she said so. But now, she didn't know where the money had gone. ”
Hahaha, just kidding. During the New Year, walking around relatives, how much money did the baby earn? Have you confiscated it?
At this age, I especially understand the mother's practice of confiscating the child's pressed old age money: just as the so-called etiquette exchange, the old age money recovered by the baby is often compared with the old mother's scattered amount.
Looking at the dry wallet, taking the baby's pressed money to balance it, and relying on it to eat years later, isn't it reasonable! In addition, the child's pressure money is a lot of "huge money", (except for the people of Guangdong, don't ask me why I know), the child's age is still young, such a sum of money in the hand, let the child spend it randomly, it must not be messed up.
Also, the child eats, drinks and wears for a year, which spends money, this bit of pressure money is far from being able to hold back, the old mother takes it back, fill it up, is this not legitimate, anyway, it is spent on him! There are also some mothers who really save their children's money, and when their children go to college later, or get married and buy a house, they take it all out and use the money on the blade of the knife, what a good thing.
I understand it all. But I can recall that when I was a child, the feeling of losing my money was really full of emotions.
What is the most painful thing in life?
It's not that there's no money in your pocket, but it's that the money in your pocket has only been carried out for a few days, and before it's warmed up, it's taken away. The Japanese "stock god" Akira Murakami wrote a book: "Be friends with money from childhood".
What happens to children who didn't learn to be friends with money as children? It may not be obvious when you are seven or eight years old, but when the child is seventeen or eighteen, it is likely that such a problem will occur:
● Spending money is generous, do not know moderation, and will not understand the hard work of parents to earn money.
● I want to buy everything when I see it, and never consider whether I have to buy it or not.
● Insensitive to money, no awareness of saving money, and no desire to make money.
……
It's chilling to think about the old cases on the news. If society is a person, then money is human blood. For each of us, money is too important, it is our self-reliance, it is a step for us to achieve our dreams, and it is a boost for us to overcome difficulties.
Children's financial and business education should be grasped from an early age, and pressing the old money is a great opportunity for children to be friends with money, and confiscation is really a missed hundred million. Of course, children who are too young have no concept of money, and we can keep it for us. Once children have a concept of "money", in fact, pressing the age of money is the best time for financial and business education!
After CC was 6 years old, I put all the money at her disposal, and I was only responsible for guiding him how to plan this money.
In fact, the cause was when CC was 6 years old, and I suddenly found that she did not spend money. If I don't let her understand money again, she will have to lose her family. This example has been shared before. One day when she was 5 years old, she played with a few young ladies downstairs, everyone went to the commissary to buy snacks, and she also went home and asked me for money to buy a bottle to drink.
I thought to myself that 10 bucks for a bottle of drink was enough. Unexpectedly, she went to the commissary, directly handed over 10 yuan, and said to people, Auntie, I want a bottle of drink! We can't say whether the salesman is real or real, and directly give her a bottle of 10 pieces of drink.
After my old mother gave the money, I was still waiting at home for the baby to return, ask how many pieces were spent, how many pieces were found, and how the addition and subtraction method within 10 was used! There's no chance.
The point is that CC also regrets it after she understands it, she has no concept of "value" at all. After asking for money from her mother and exchanging what she wanted, she thought the deal was appropriate. She herself has no concept of money at all and does not "spend money".
When we got home, we told her that in fact, the drinks you usually drink are only 3 or 5 yuan, and you can save money to buy others. She regretted it, and she didn't want to buy a 10-dollar drink.
So, I decided, I had to talk to my kids about money.
I told her that the money in her hand can be divided into 4 parts:
The first part is "Spending"
"With this part of the money, you can buy what you like, but you can't spend it casually." Because when you're done spending it, you won't have it."
The greatest joy of children receiving money is that they can make their own decisions and buy what they like to buy.
Is it wrong to spend money on something that makes you happy? Not at all. This need of the child should not be ignored or even deprived. If children have not experienced the joy of self-control of money from childhood to adulthood, it is easy to go to two extremes: one is miserly to the extreme, and money is not willing to spend; the other is to squander to the extreme, and no matter how much the suppressed desire is filled, it will not help.
It is necessary and necessary to give children a certain amount of money that can be disposed of autonomously, so that they can satisfy their desire to buy within the scope of control.
Seven or eight-year-old children, he wants nothing more than snacks, stationery, toys and other things, usually we will buy, let the children pay from their own bags, children are happy, we are also happy to relax, why not enjoy it!
The second part is "Sharing"
Children sometimes have to be so heartwarming.
I told CC, "You can use the money in this bag to buy some snacks and give them to your family and friends to make them happy." ”
Just in time for DD accidentally fell and whimpered and cried. CC immediately generously took out 2 yuan and went downstairs to buy two lollipops, one for each person with DD. When a classmate at school celebrates a birthday, she will also take money from this part to buy gifts.
The original intention of pressing the old money is the blessing of the elders to the children, and the most that the children should learn from them is gratitude. This sharing makes children realize that "giving" is sometimes happier than "getting", which is very meaningful.
Children are getting bigger and bigger, more and more need to socialize, such as friends or family birthday gifts, ask friends to movies, eat, buy snacks for DD, etc. Activities, you can get out of this fee, buy things that make family or friends happy. I don't want my child to spend money like water, but I don't want her to not pull an iron rooster.
Spending and sharing these two is to let her know that consumption can indeed bring happiness to herself and the people around her.
But the premise is that you have to plan your flowers wisely.
The third part is "Storage"
Usually brush news, I have seen many cases of "other people's children": 18-year-old high school graduates, with their own money to pay a down payment to buy a house; 24-year-old college graduates, with the 400,000 saved in their hands to start a business.
We don't expect children to save how much money and do big things, but children have established a sense of savings since childhood, naturally they will not spend money indiscriminately, and they can better plan money, which is still very necessary. For this, I hated going to the bank the most, so I deliberately took CC to a bank, opened an account for her, and opened a bank card. I told her, "Save some every year, add up to more, and you can buy some big pieces that you like but have always been reluctant to do."
If something suddenly happens, it can be prepared for emergencies. ”
By the way, I popularized the concept of "interest rate" for her, and the existing bank will have some interest income every year, and if it is deposited regularly, the interest income will be more. The fourth part is "Investment"
Investment and wealth management is an effective way to increase wealth and preserve value, and it is also a convenient way for us to achieve income after bedtime.
In the future society, everyone can't avoid investment and financial management, rather than letting the child run into a wall when he grows up, it is better to let him learn from a young age. The main thing is to instill in him the concept of "risk": the more likely we are to benefit, the higher the risk we will take.
In recent years, there have always been friends around who have ruined their families because of gambling and blind investment, which is because they have not built up enough risk awareness. The child is still young, we can manage it for her, I am the first to tell the CC, you can put the pressure on the big head of the money to your parents as an investment, the next year to give you dividends.
Last year's 10,000 yuan, this year has become 11,000, children naturally understand that as long as the planning is good, money can still generate money. In addition to guiding children to divide the old money into these 4 parts, we can also guide children to develop the habit of bookkeeping.
How much is spent every day, where it is spent, how much can be spent on the rest, this pen is written down, and the child will have a lot of gains:
■ Develop a keen sense of price,
■ Better understand the boundaries between "want to buy" and "need to buy",
■ Better grasp the relationship between money and a better life,
■ With the control of money,
■ Understand the value of money and the hard-won,
Pressing the old money is a gift, and the elders give it to the child, which means that the child has the ownership and disposal right to the pressure money. The child's growth process is a process of continuous establishment of a sense of boundaries, so that he understands what is his own, what is his parents' and what can be shared by the family, so that the child can be more independent and more autonomous.
We can make all kinds of suggestions for children, but we can't take away the ownership of children. When the child is young, teach the child a complete view of money and values, so that when the child grows up, he can have a complete and correct concept of money.
In the long journey of life in the future, he will not be tempted by a moment, let go of unrealistic fantasies, control his own destiny, and obtain economic and spiritual freedom and happiness.