1. Child: "Mom, the money you kept for me should be returned." ”
Because of the question of who should be in charge of the old money, the 10-year-old screen and his mother are on the bar.
It turned out that Yingying's annual pressure money was taken by her mother for various reasons to "help" keep it.
When he was young, Yingying did not know what the pressed old money was, and his mother said: "You are still young, beware of losing it, your mother will help you keep it", and successfully took away all his pressed money. For the screen, as long as there are firecrackers, good food, and new clothes, it doesn't matter where the money is pressed.
When I was in the first and second grades of primary school, my mother said: "I want to pay tuition" and "I want to buy new stationery" and took away the money of Yingying, fortunately, my mother also lovingly returned a small part of Yingying.
However, without the constraints and guidance of his parents, the part of the money in Yingying's hand was actually taken by him to buy firecrackers to play and send red envelopes to his classmates and friends WeChat, for two consecutive years, two years, hundreds of dollars!
Therefore, this year, in order to avoid the screen ignorant and ignorant to spend money, my mother said that she would not let the screen tube suppress the old money.
This time the screen is not dry: "Mom, you are talking about helping me keep it, but you actually want to take it for yourself." I've checked it out, and it's illegal for you to do this! According to the Civil Code, pressing the old money is an act of donation and should belong to the recipient, that is, 'I', and I am over 8 years old and can keep it independently! ”
Looking at the screen that zhenzhen had words and argued for reason, my mother didn't know whether to be angry or angry for a while, and could only be silly there.
2. Who should take care of the old money?
In fact, Yingying's mother's idea is the same as most parents: the children still need me to take care of them, and it is not a natural thing to help him manage the old money? Besides, if you don't give money to others, how can others return your own children?
To put it bluntly, this money is called the child's pressure money, but in fact, it is the parents' own money.
This kind of thinking, which at first glance seems quite reasonable, actually makes a mistake: no matter what considerations are in place, parents give gifts to other children, and their own children also receive gifts from other elders.
The money is still that money, but the reason is not the reason.
And this is also the most common mistake for most families, in fact, no matter how old the child is, he is an equal and independent individual with his parents, and he is not an appendage of anyone.
Therefore, children also have their own rights: this is how to manage the money of the press.
In the Civil Code, there are clear provisions that the act of donation shall belong to the recipient, and minors over the age of 8 can independently carry out civil juristic acts for pure benefits.
Therefore, for Yingying, who has reached the age of 8, the elders give him the money to press the age, he has the ability to manage independently, and although his mother can also help, he is still based on the will of Yingying.
Of course, there is no need for a family to go on the line and be too deadly. Moreover, for most families, how to manage the old money depends on the specific situation of the family:
Families do have difficulties, and it makes sense to subsidize them;
If there is no shortage of this money at home, the child is 8 years old, and the money is very important, you can also try to let the child manage it himself;
In fact, rather than keeping the money, the cultivation of children's financial intelligence is the most important thing.
Like Yingying before taking all the money in his hand to buy firecrackers and distribute red envelopes, it is a typical performance of no financial businessman.
And ying ying begging for old money is a very good opportunity to cultivate financial quotients!
3. Learn 3 ways to manage money, so that the baby benefits for a lifetime
In the end, my mother still returned several thousand pieces of money to Yingying, and together with yingying, there was a set of "Children's Financial And Business Picture Books".
In the face of Yingying's doubts, his mother asked him a question: "In addition to buying firecrackers, buying food, buying clothes, and sending WeChat red envelopes to others, have you ever thought about how to use the money?"
Watching the screen is about to be counted as a family treasure, the mother broke her finger and opened her mouth again: "When the firecrackers are released, it will be gone, the delicious stomach will end, the clothes mother will also buy for you, and the WeChat red envelope, after you send it out, will someone return to you?"
Speaking of this, the mother paused for a moment, "Do you know that if the money is used well, it can also enhance the feelings of the family and enhance themselves, and the most important thing is that they can still make money?" ”
"Money makes money? That's how you can buy more good stuff! At this point, Yingying became interested.
Then, under the guidance of her mother, Yingying combined the relevant knowledge of "Children's Financial and Business Picture Book", after many comparisons and careful consideration, finally together with her mother, we finally determined 3 ways to use the old money:
The first: buy gifts for your family
We Chinese pay attention to etiquette and exchanges, and most of the money is actually like this. As children in the family, although they do not have to bear the burden of supporting the family, it is necessary to understand the efforts of their families and appreciate their efforts.
Therefore, using a part of the money to prepare a gift for the family, even if it is a very ordinary gift, is also the feedback of the child's love for the family, and it is also a manifestation of learning to be grateful.
The second: buy the items you want, try to "money makes money"
Although Yingying is very concerned about the ownership of his own money, in fact, he thinks it is more interesting that "money makes money". You know, all along, he thought that money could only be obtained through hard work, because his family had always told him that.
After watching the "Children's Financial and Business Picture Book", Yingying realized that "money can also make money". Looking at the "Tang Xiaotuan Roaming Chinese History Series" that was borrowed with classmates, Yingying had an idea: This is my favorite book, and my classmates also like it, but unfortunately, the books in everyone's hands are not complete, why not buy a set directly, and you can "rent" it to others after reading it!
The third type: savings, as a future start-up capital
Buying gifts and buying beloved things, the rest of the money, Yingying decided to follow her mother's advice: open an account, save it, and use it as a starting capital for the future.
In the process of opening an account and depositing, Yingying also knows a lot of financial knowledge, and has a deep understanding of reasonable planning and saving money.
Think again, the act of using all the money to buy firecrackers and send WeChat red envelopes is really too foolish.
4. Cultivate financial quotients to start from dolls, and "Children's Financial Quotient Picture Book" can help a lot
Many families "withhold" the money of the year, and even "talk about the discoloration of money", in the final analysis, in fact, it is not that the family really values the child's money so much, but for two reasons:
1. Afraid that the child will not have moderation and develop the habit of spending money indiscriminately;
2. I really can't stand the child's 100,000 whys about money:
Where does the money come from?
Why do mom and dad have endless money to spend?
Why don't I have any money?
100 yuan, how much can I buy? What about 200 pieces?
Can money buy happiness and friendship?
The money of those celebrities is in hundreds of millions, so how many hundreds of millions does our family have a year?
These problems, if one by one is okay, if a string comes, it is estimated that parents have a headache, and these problems are the children's most doubtful and most interested.
Fortunately, "Children's Financial Quotient Picture Book" is a set of books to solve these problems, which can not only help parents solve their children's doubts, but also cultivate children's financial quotients.
This set of "Children's Financial And Business Picture Books" consists of 8 volumes, divided into 8 themes, namely "Where Does Money Come From?" "To be the little master of money", "Money is a good idea to make money", "Money is good and bad", "Don't be a "loser", "The relationship between Chinese money and foreign money", "Money is not omnipotent", "Parents' money is not gratuitous".
This set of books is suitable for children aged 6-12, according to the child's cognitive characteristics, by several fixed characters, using very similar to real life situation stories, telling a variety of stories and knowledge points about "money", so that children in the process of reading easy to understand, really enhance the child's "financial quotient".
If you also have 6-12-year-old children in your family, you are usually strictly controlled to spend money, spend money without moderation, and do not understand your parents' hard work to earn money...
Then you can prepare a set of "Children's Financial And Business Picture Books" for your children!
As parents, we can temporarily manage the money for our children in the name of love.
However, as an independent individual, the child always has to grow up, to face life independently, to learn to earn money, spend money, plan money, parents can help manage for a while, but can not help manage a lifetime.
Instead of making children feel overwhelmed by difficulties in the future, it is better to transfer the power of management to children from the beginning of the pressure of money, and teach the methods used to children, just like the old saying" "It is better to teach them to fish than to teach them to fish"!