Children love the New Year, on the one hand, there is good food and fun, on the other hand, because there is pressure on the old age money.
In the past, everyone was not too rich, and most of the money for children was a few dollars, even a few cents.
With the continuous improvement of people's living standards, the children's old age money has also risen, and more and more have been given.
In the past, my children's old age money was kept by me instead. But when the child grows up, he doesn't want me to keep it.
I said let the child give me the pressure money, I saved it for him, and I could get two or three hundred more interest a year, but the child said that his pressure money belonged to him, and he wanted to take it himself.
More than 10,000 children who press the old money have to keep themselves, and I am always uneasy. Worry about whether the child will spend randomly, whether he will be deceived, whether he will lose it, whether he will learn badly...
How do you deal with the child's old age money?
Let the child keep the money for himself, afraid that the child will spend money indiscriminately, if he does not give the child, the child is not happy in his heart, what should he do in the end?
I asked my friends and colleagues around me, how to deal with the child's old age money?
It is found that most of the children's pressure money is kept by the parents, and some parents will give the child a small part as pocket money, and most of the rest are either saved for the child or bought insurance for the child.
To sum up, these two approaches are roughly these:
1, deposit bank: many parents around the bank to open a separate account for their children, each year's pressure money is stored in the child's account.
2, buy insurance: some parents will choose one or two insurance for their children, which is also a way to save money. Not only is it guaranteed, but it can also save money, and it can be regarded as a real spending of the money on the child.
There are not a few children who squander money at will
A colleague of mine complained that his child bought game skins for the money and was so angry that he didn't cook for his children for three days at home.
There is a child on the Internet who is jokingly called "the sister of the pressed age" by netizens, who uses the pressure money to buy a real luxury car for a star, and also posts a huge amount of money on the Internet.
A father found that his two sons were spending money indiscriminately, so he reprimanded the two sons, who knew that the two children ran away from home wearing pajamas and slippers.
A 10-year-old boy bought anime cards for 10 days with his 9800 yuan of pressure money.
There are too many such examples.
Children are young and have no concept of money. The money is given to the child by the elders, the child does not have any pay, suddenly there is a lot of money in the hand, for the child is a pie in the sky, the child will naturally not cherish, will not know that this money is not easy to come by. I will only use this pressure money to meet my own play needs.
In fact, this also reflects a problem, that is, the lack of financial and business education in our family education.
Financial and business education cannot be ignored
When it comes to financial quotient, many parents will wonder, does a child of several years old need financial and business education?
The answer is: Yes.
Parents attach great importance to their children's cultural education, but they forget about financial and business education! Only to cause many children to get the pressure money to squander at will.
In many developed countries, from the age of three, children will be educated in finance and business.
And we seem to have rarely deliberately guided our children when we are young, and we have educated them in financial and business.
Financial quotient refers to a person's ability to understand and control money. It is an economic education on the concept of wealth, life, and happiness.
Financial and business education is not only about "talking about money", in addition to teaching children to dispose of money, it is important to let children understand the methods and thinking of obtaining wealth in the future.
The earlier the financial and business education, the better, 3-12 years old is a critical period for children's financial and business enlightenment. And who keeps the child's old money and how to spend it is a good opportunity for financial and business education.
How do parents educate their children about finance and commerce?
Let your child know what money is
After the child is three years old, parents must seize the opportunity in life to teach their children to know money.
Parents can play shopping with their children through family games. Through buying and selling in the game, teach children to observe patterns, recognize different denominations of money, understand the size of the money denomination, and how to use it in transactions.
Parents can also bring their children with them when they go out shopping, so that their children can see the whole process of buying things and understand the role of money.
Parents should pass on to their children the correct concept of money and consumption from an early age, so that children can correctly understand and use money.
Have your child try to earn money on their own
A 7-year-old boy got the money and clamored to buy a very expensive toy, and in order to let her son know that it was not easy to make money, the mother let her son go to his milk tea shop to try to work.
This 7-year-old boy has only worked for one day, and he has experienced that it is not easy to make money, and he no longer clamors to buy toys when he returns home.
I agree with this mother's approach, when the child tries to make money on his own, the child will know the hard work and difficulty of making money, and will spend the money in moderation.
Letting reality teach children a lesson is indeed a good way.
Have your child try to run the house
Do not maintain a family, do not know that chai rice oil and salt are expensive. Children have no concept of money, parents can let their children participate in family management, and their children's financial management ability will improve rapidly.
In the past, my children took out to buy things, always urging me to hurry up, and they hated me for coming to compare.
Once, during the holidays, I made an agreement with my child to let him manage the family for a month. The son was very happy and readily agreed.
I put all the money I needed for a month in my child's custody. Every time I need something, I apply to my son. Paying electricity bills, property fees, Internet access fees, telephone bills, tuition fees for interest classes, dishes needed daily at home, rice, oil, salt, etc. are all accounted for by the son. A month later, the son was surprised that it turned out that a family needed so much money to spend every month.
In life, parents can create some opportunities for their children, let their children and parents exchange positions, and try to be the little housekeeper of the family. I believe that after the roles are swapped, after the child takes care of the household by himself, he will understand what expenses a family needs, so as to experience the hardships of life.
In order to cultivate my son's financial quotient, let the children know money and learn to manage money, I bought a set of "Children's Financial And Business Education Picture Books" for the children.
After reading to the child, the child knows where the money comes from, what is the role of the money, how to spend it reasonably, how to make the money increase in value, how to establish a sense of risk, how to spend money more meaningfully, and other financial business issues.
Inspired by picture books, children divide their old age money into three parts, and a small part is reserved for themselves as pocket money and the cost of buying extracurricular books. Give me most of the pocket money and let me help him save it or buy insurance, saying that he can make money so that the money will not depreciate. There is also a part of the money, the child said that he wants to buy gifts for his parents and grandparents, because his parents and grandparents give him a lot of money, of course, to be polite, but also to buy some small gifts for parents and grandparents to show it. Listening to the child say this, I was really pleased, I didn't expect that the impact of this set of books on the child would be so big, so that the child learned to plan his own pressure money, and also had a more accurate understanding of the money, really did it right. If your child is also in the age group of 4-10 years old, I suggest that you can read this set of "Children's Financial and Business Education Picture Books" to your children.
This set of children's financial and business education picture books has a total of eight volumes, each book has a theme, using easy-to-understand language, interesting examples, so that children have a deeper understanding of money, but also let children learn, think, study more reasonable financial management methods. Perfect for kids aged 4-10 years old.
How to manage the money is really a rare opportunity for financial enlightenment. Parents must take this opportunity to educate their children in finance and commerce.