01 The child's pressure money, have you saved it for her?
At the end of the year, how much money has your children gained? Pino's mother believes that there are not a few children who have a large amount of pressure money, as a parent, have you helped your children save up for the age of pressure?
For young children, parents will be well-intentioned, help their children save money for the age, worried that their children will spend or lose, and the sister-in-law is no exception.
The 8-year-old niece received more than 3,000 yuan of pressure money for the New Year, and the sister-in-law was worried about her daughter's random flowers, so she ignored the child's objections and forcibly collected the pressure money.
As a result, after the little niece had a big fight with her sister-in-law, she ran away from home with her mother's mobile phone, and the anxious sister-in-law called a big family to go out to look for it. The next day, I found my little niece in an Internet café.
Then the sister-in-law found that the 4,000 yuan in the mobile phone account was gone, and after questioning the little niece, she learned that the child liked street dance, paid attention to some street dance anchors, and wanted to worship them as teachers, so she frantically brushed gifts during the live broadcast... For the sister-in-law whose income is not high, more than 4,000 yuan is her salary for 1 and a half months.
It can be seen that forcibly confiscating the child's old money to save, the method is not wise, may wish to learn the practice of Linlin's mother, Linlin's mother prepared two cash storage tubes for her daughter, one wrote "more money", the other wrote "happy flowers".
Then she suggested to her daughter to divide her pressed money into two parts and put them in two money storage cases in a certain proportion.
When the "money becomes more" deposit box is full, Linlin's mother will exchange the change for the whole banknote in front of her daughter, and then take her daughter to the bank counter and deposit it in her account. The money in this account will be used as the starting capital for the child to save and realize his dreams.
Another "happy flower" money bank will be Linlin's daily expenses, such as buying food, buying play, buying school supplies, etc., will be spent from this money storage tube, so that children think about the relationship between storage and consumption.
I have to say that Linlin's mother's treatment of children's old money is worth learning from parents, and her sister-in-law praises Linlin's mother's high financial quotient. Pino's mother also prepared two money storage tubes for her daughter to store the money for pressing the year, and decided to enlighten her daughter for financial business.
02 Talking to children about money is a compulsory course for parents
For most parents, as long as the child reads well, the matter of money does not need the child to worry. Therefore, few parents will take the initiative to talk to their children about money, let alone educate their children about money.
Children who have not received money education have no concept of money, especially after the popularity of online payment, buying anything, as long as there is a brush, it is difficult for children to have a clear understanding of money.
Therefore, Pino's mother believes that it is necessary for parents to take the initiative to negotiate money with their children, and the sooner the better, the children will know how to bear and learn to choose.
How? After communicating with Linlin's mother, Pino's mother summarized 2 points for parents' reference:
Let your child know where the money came from
Pino's mother once saw such an interview on the Internet, where the reporter randomly interviewed the child on the street and asked the child, "Where does the money come from?" ”
Most children's answers are "from the pockets of their parents" and "from the bank."
Less than 5% of children know that money is earned by their parents through hard work. Just like the little niece who is more than 8 years old, she does not have a clear concept of money, she does not know where the money in her mother's mobile phone account comes from, does not know the value of money, and does not know what money can be spent and what money cannot be spent... Therefore, I will take my mother's hard-earned money to tip the anchor.
Therefore, it is necessary for parents to let their children know the source of money, and to clearly tell their children that money will not come from the pockets of parents, nor from the bank, but can be obtained by parents through labor.
At this point, Ran Yingying, the wife of the boxing king Zou Shiming, did a better job, and when her son Xuanxuan mixed the cake with water, Ran Yingying said to her son solemnly: "Water and cake are bought with money, and every penny we spend is based on dad's hard punch and punch, and cannot be wasted."
Only when children understand the hard-won nature of money will they have a correct understanding of money and will know how to cherish every penny.
Teach children how to use money
Children's financial education in the United States believes that in principle, the financial management of the old money is the child's own business, and as everyone knows, it is also the best opportunity for parents to carry out financial and business education.
Toronto scholars have done such a psychological experiment, according to the different ages of children, divided into different groups, and then gave each child $4 pocket money, you can spend at will.
It turned out that the children who had received money education did not spend all their money, while another part of the children who had not received money education spent all their money.
It can be seen that "spending money" is also a skill, and it takes more practice to improve the skill.
When Pino's mother was reading the "Children's Financial and Business Picture Book" with her daughter, the author suggested that the child "spend money" like this:
10% of the money is used for daily expenses;
40% of the money is used to realize dreams;
50% of the money is used for money to make money;
Referring to this standard, parents can also divide their children's old age money into 3 parts, and the proportion can be adjusted.
After reading the "Children's Financial and Business Picture Book" with her daughter, I found that it is really important to educate my children in financial and business! After all, "you don't manage your money, and your money doesn't care about you."
To tell the truth, Pino's mother is a person who has no concept of money, and has not paid attention to any money in so many years. However, after rewarding the anchor through the little niece, Pino's mother found some picture books in terms of financial and business, and found that "Children's Financial Picture Book" is a rare and good book, which is both a popular science book and a story book, which is very suitable for children to read.
This set of picture books has a total of 8 volumes, covering where money comes from, the good idea of money making money, the relationship between Chinese money and foreign money, and the fact that parents' money is not gratuitous... and other topics.
The reason why Pino's mother likes this set of picture books is that it simplifies those unfathomable financial knowledge into interesting stories that children can read and understand.
In one story after another, the child will have a very sense of substitution, follow the protagonist of the story to learn to spend money, make money, save money, in this process, have a clear understanding of "money".
For example, in the book "Where Does money come from", the source of money is answered: it is not the sky that falls, it is the remuneration obtained by parents through going to work, and there is no salary if they do not go to work.
With the popularity of online payment, it is very important for children to realize this, so that children understand that the money in the mobile phone is hard earned by parents, and there is money in the mobile phone.
When Pino's mother took her daughter to read the whole set of picture books, it felt like watching stories and doing games, and her daughter liked this set of picture books very much, and she read 3 books in one breath after getting her hands.
After my daughter finished reading, she often said in her mouth: I can't spend money indiscriminately, otherwise I will become poor; I have to save money, and it will change more and more.
She used to value money very much, almost never give money to others, and after reading the story in "Money is Good and Bad" with her, she would take the initiative to buy snacks to share with children.
All in all, financial and business knowledge is very beneficial to the growth of children, Pino's mother suggested that parents should start a set of "Children's Financial And Business Picture Books" to let children know that money is not easy to come by, and they will know how to cherish it.
If you don't teach your child the knowledge of money now, and when your child grows up, someone will teach you for you, and this person is not a creditor, a profiteer, a policeman, or a liar, but his own biological parent, you say?