Just after the Spring Festival, the topic of "should the child's old age money be handed in" rushed to the hot search.
In this year, the child's pressure money is not a small amount, in the face of this "huge" amount of money, who can not be moved?
Some people joke that every year during the Spring Festival, there will be a huge number of "fraud gangs" that will fight and fight against the wind.
this...... It's about the children's money.
If a child wants to keep the money of the old age, it is really more difficult than ascending to the sky.
The longest road the dolls have walked is the routine of their parents and mothers.
01
If you want to keep the pressure money,
The difficulty is comparable to ascending to the sky!
In order to "set" the child's pressure money, parents can be described as a variety of tricks and routines.
★ Routine one: false promises, not done
"Come, Mom will keep it for you first, and I'll give it to you when you want to use it."
Taimei's promise was only because she was too young, and later it was found that this old money mother was gone, and even a shadow could not be seen.
Some children, out of moderation, ask their parents to write a letter of commitment or receipt promising to return the money in the future.
However, ginger is still old spicy:
Source: Weibo @ Xinning Orchard
"All returned" became "not returned at all", a word difference, a thousand miles of falsehood.
At a young age, he suffered the loss of "illiteracy".
★ Routine two: take advantage of its lack of preparation, quietly touch and take
Take advantage of the child's sleep or do not pay attention, and quietly take away the pressure money.
This trick is generally suitable for small babies, and they don't know what money is, they are better at fooling around, and they don't know how much money they are missing.
★ Routine three: steal the concept, skillfully take advantage of it
Explanation of pressing old money:
The money that adults put on their children during the New Year period needs to be handed in immediately after returning home.
Some simply tell the child directly:
"If I hadn't pressed people's old age money, would they have pressed you old age money?" So of course your money has to be given to your mother. ”
Although the child is unwilling, it sounds very reasonable, and can only obediently hand over the old money.
★ Routine four: there is no repayment, even coaxing and deception
"Mom went to buy vegetables, the money is not enough, borrow your use."
This loan is a few hundred or thousands.
"You only have a few pieces of money in your hand, Daddy has dozens of them here, do you want to change them?"
"Change! change! change! ”
This exchange suffered heavy losses.
★ Routine five: superficial fairness, secret deception
The couple distributed the money according to the denomination size in advance, and then you and I each, so that the baby had no connection with the hundred yuan every time...
It seems to grasp more and grasp less luck, but in fact, they are all careful machines for parents.
In short, if a child wants to keep the pressure money, the difficulty is comparable to ascending to the sky.
02
Children who are "scammed" by their parents to squeeze their money,
What happened next?
Children are small, but children are not stupid.
Being deprived of money year after year will inevitably cause resistance and questioning.
Some began to complain that their money was "squandered" by their parents.
Quietly taken by her mother to buy duck neck:
Screenshot of the "Boy Says" program
Secretly taken by Dad to refuel:
Some people are "tricked" into pressing their money and want to seek self-reliance.
A father in Nanjing "embezzled" his daughter's 300 yuan of money, so angry that his 10-year-old daughter took up her school bag and ran away from home, planning to find a place to work and support herself.
Some ran away from home in a huff after all the money was confiscated.
Although the living conditions are much better than before, and the children are not worried about eating and drinking on weekdays, the joy and joy of receiving red envelopes in the New Year is irreplaceable.
For children, the happiest thing is to receive one red envelope after another.
This is one of the happiest and fondest memories of every child's childhood.
If the child spends indiscriminately, simply confiscate all the money and completely deprive the child of the right to enjoy and control the money, then the child will lose this annual expectation and joy.
More seriously, it will make the child resentful and affect the parent-child relationship between parents and children.
Do not confiscate or embezzle the child's old money in the name of custody, otherwise the child will gradually lose trust in the parents.
There is no basis for disagreement with the law.
03
Parents take away the child's pressure money and do not give,
It's illegal!
Let's first look at the definition of pressing old money:
In the countdown to the New Year, the elders will pack money in red envelopes for the juniors, which means exorcising evil spirits and blessing peace.
★ Is it the child's or the parent's?
According to article 657 of the Civil Code of the People's Republic of China on the gift contract, the elderly give the younger generation money, which belongs to the gift contract relationship in which one party has pure benefits. Once the child accepts the money, the gift contract is formed.
Therefore, whether it is given by parents or donated by relatives and friends, after the elders give the old age money to the child, the pressure age money belongs to the child and belongs to the child's personal property.
★ The child is still young, can the money be kept by himself?
The Civil Code also clearly stipulates:
Persons with limited capacity for civil conduct may independently carry out civil juristic acts for pure benefit, and 8 years of age is a dividing line between limited capacity and incapacity.
Other words:
When the child reaches the age of eight, the money can be handed over to the parents for safekeeping, and they also have the right to keep it for themselves;
If the child is under the age of eight, the money should be handed over to the parents for safekeeping.
Note that the child can be handed over to the parents for them to help keep, but the custody is only for safekeeping, and parents cannot spend it for the child.
★ What if my child spends money indiscriminately?
Rest assured, intellectual behavior beyond age, such as buying game equipment or tipping anchors, is ineffective.
★ As parents, can we use our children's pressed money?
Strictly speaking, it is illegal to secretly use the child's pressed money without the child's consent.
Don't be afraid, although it is illegal, it does not constitute a crime.
If you have your child's consent, of course, it's okay.
Of course, how much "pressure money" the child can freely dispose of should be treated according to the age, the financial situation of the family, etc.
04
Help children plan rationally to press the old money
How to help children rationally plan to press the age of money, it seems to be a small matter, in fact, it is related to the establishment of children's correct concept of money, which has a profound impact on their future lives.
This is a great time to educate your children about finance and business.
How to help children reasonably arrange the pressure of the old age money?
You can negotiate with your child to divide the money into three parts.
★ The first part is to use it as pocket money for children.
Children can use their freestyle to buy their favorite stationery, toys, etc.
★ The second part is used for storage or financial management.
Help your child open an account and deposit a bank, deposit the money received every year, accumulate less into more, and cultivate your child's concept of savings.
We can also further upgrade and use the money to buy insurance for our children and invest in financial management, so as to improve our children's financial quotient.
★ The third part is to guide the child to "contribute" the money.
The premise is to respect the child's wishes with the child's consent.
You can contribute to your family, such as inviting your family to a meal or buying something for your family.
It can also be used as a public welfare, buy some stationery and clothing to donate to children in the mountains.
If the amount of money your child is relatively large and there is a balance, you can try to let your child manage his own money.
Give a portion of the money to your child, let him make his own financial plan, and develop the habit of bookkeeping, know where every sum of money is spent, and understand that the money is not easy to come by.
Youth education expert Yu Yunzhu believes that:
Parents should respect the child's reasonable right to control, guide the child to consume correctly in a subtle way, and also help the child buy insurance, do passbooks, do good deeds, etc.
We must make good use of the pressure money, actively guide the child's concept of money and financial and business education, and teach the child to learn to correctly dispose of wealth.
This is also a meaningful growth for children.