How to spend your child's money?
During the Spring Festival, receiving money is one of the sources of happiness for many children. The amount of money is from hundreds, thousands or even tens of thousands, children are happy, but parents have a little trouble, how to spend this money?
Some parents will directly ask for money and tell their children, "We will keep it for you first."
Some parents will give their children a bank card to save the money.
I believe that the above is the choice of most parents.
If the parents have experience in investment and financial management, or the parents themselves have investment experience, how will they plan for the child's old age money?
Mr. Chen Jingqing, a former corporate executive, investor and columnist, used his children's old age money to educate his daughter in finance and business. His daughter, from the age of 4, began to understand the knowledge related to "money", gradually learned the correct concept of consumption and money, and personally practiced, experienced the exchange and sales, and enriched her financial and business knowledge step by step.
Mr. Chen said that our life and work are inseparable from "money", and a person is accompanied by "money" from birth to death. However, there are not many courses on financial and business in primary and secondary schools in China. In addition, many parents do not realize that they want to teach their children this knowledge, and even some parents think that it is not good to talk to their children about money.
He believes that this is not good, and it is necessary to popularize financial and business education with children as soon as possible.
In his life, he used the way of play, using the opportunity of pressing the old money to give his children a lesson in finance and business.
The investor's father's financial and business class is interesting and useful, and parents can learn from it
In the first lesson, children are introduced to the nature of money through small games.
His daughter was about 4 years old, and Mr. Chen was very tired when he came home from work one day, so he asked his daughter to give him a back stomp and massage, and 10 minutes could be exchanged for 1 yuan.
He told his daughter that with money, he could go to the supermarket to buy something to eat.
The first time she exchanged labor for 1 yuan, the little girl was very curious, holding the money and looking left and right, not quite sure what it was conscious of. Mr. Chen then took his daughter to the supermarket, and the father and daughter went to buy delicious food.
In the supermarket, Mr. Chen taught his daughter about the price tags of the goods and the numbers on the price tags.
Later, the daughter finally used the money she saved to buy a bag of potato chips, which was the fruit of her labor.
Through this little game, the daughter understands that money is exchanged for labor, and it is the medium of labor exchange.
Later, Mr. Chen launched a second mini-game, "Pre-sale Ten Times Card", to instill business experience in children and learn the concept of doing business in the game.
Through these two small games, the child learned how the money came from, and initially understood some business ideas, and in this way, the daughter embarked on the road of financial and business learning.
The second lesson is to establish the concept of money and consumption, and to avoid becoming a "scrooge".
Mr. Chen believes that to establish a healthy view of money and consumption, it is not enough to communicate with children's language, but to make children feel it in daily life.
The third mini-game Mr. Chen designed for his daughter is to use his daughter's pocket money to buy a birthday cake for his father.
The daughter saved more than a hundred yuan, and all at once she had to take it all out to buy cakes for her father (not enough money for her mother to put on the mat), although she was a little reluctant, but at the insistence of her mother, the daughter still agreed happily.
The fourth mini-game is to buy a piano with my daughter's money.
Through the above game, Chen Jingqing let his daughter further understand the exchange function of money. Money can buy what they like, as well as buy things they like or need for loved ones and friends.
Chen Jingqing wanted her daughter to understand that according to her economic situation, she should not be too wasteful or overly frugal.
The third lesson, start doing business, from the exchange of goods to the sale.
After her daughter was 6 years old, Chen Jingqing hoped that she could understand the media role of money in the exchange of goods, and wanted her daughter to contact and sell.
So he took his daughter to experience the flea market and encouraged her to run for the brigade committee.
Participating in the flea market exchange activities allowed her daughter to bravely sell products in the face of strangers; the third grade ran for the brigade committee and was successfully elected, bringing her self-confidence.
Mr. Chen himself ushered in the peak of his career through sales, and he also hoped that his daughter would get exercise from sales and enhance her self-confidence, and her performance was also affirmed by him.
As his daughter grows older, Chen Jingqing's financial and business education is also upgrading. When his daughter was 10 years old, once because of the urgent need for cash, Chen Jingqing borrowed 5,000 yuan of money from his daughter, and the agreed interest was 20%, that is, 6,000 yuan was returned after one year. The two sides also signed an agreement.
The daughter realized that money can really make money.
He also discussed with his daughter the allocation of family assets, such as whether it was cost-effective to sell a villa that was almost uninhabitable when the family needed money, or whether it was appropriate to sell a shop that collected rent every year.
As well as letting her daughter be the store manager for a day, working in her own tea shop, through the experience of store manager activities, discussing the operating cost composition of the enterprise and the profit model with her daughter.
After his daughter was admitted to the key junior high school, Chen Jingqing began to take her to understand the stock market, he chose two stocks, let his daughter choose one. Based on her own experience, her daughter chose a social app, and she felt that her classmates and friends around her were using that app. Mr. Chen affirmed his daughter's idea and bought some stocks.
In this way, Chen Jingqing used his daughter's pressed money to popularize financial and business lessons to her daughter through one game after another in life. And the daughter, under the enlightenment of her father, learned and understood a lot of financial and business knowledge through hands-on practice.
How do ordinary parents explain financial and business knowledge to their children
Mr. Chen Jingqing has more than ten years of investment experience, has a certain experience in financial management, and teaches financial and business education to children, he has more advantages than ordinary parents, which is beyond doubt.
I believe that ordinary parents who do not have a financial and business background can be inspired by Mr. Chen's approach.
Some people may say that I have a certain understanding of financial management, can not reach the height of Mr. Chen, for the time being, I just want to enlighten my children about financial intelligence, do not need to go too deep.
I believe that most parents do not have such a high starting point as Mr. Chen, and even some parents themselves are financial whites, so in this case, it is also a good choice to choose a set of children's financial and business picture books for their children, to read and learn together with their children.
For example, "Children's Financial Quotient Picture Book" is a set of picture books that teach children basic financial knowledge.
This set of books consists of 8 books, namely "Where Does Money Come From", "A Good Idea of Money Making Money", "The Good and Bad of Money", "Be a Little Master of Money", "Don't Be a "Bearer", "The Relationship between Chinese Money and Foreign Money", "Money Is Not Omnipotent", and "Parents' Money Is Not Gratuitous".
8 books, including 24 practical, interesting and loving short stories, unfold from the perspective of twin brothers and sisters, telling the financial knowledge that happened around them, so that children can understand the knowledge of money in the story and contact financial education.
It tells kids, where does the money come from? How can Mom and Dad have money that they can't spend? Can money buy friendship? Is Chinese money the same as foreign money?
For example, in the book "To Be the Little Master of Money", my mother told the brothers and sisters, "Children should develop the good habit of rational consumption, plan the items they need in advance, and think twice when they see the offers." ”
The book "Don't Be a "Negative Man" tells children that people who are good at managing money can do more things with the same money.
"Children's Financial And Business Picture Book" was also recommended by Ms. Chen Jie, a well-known financial planner. Graduated from the Times University of Singapore with a degree in Business Management, Ms Tan has been working in financial markets for more than 10 years and enjoys reading child psychology, pedagogy, etc. She is good at using professional financial vision and affinity language to tell children about financial knowledge.
"Children's Financial And Business Picture Book" is both interesting and easy to read, children aged 6-10 can read it, and younger children can read it with their parents and parents, cultivate children's awareness of financial management, and establish a correct concept of consumption and values.
Write at the end:
Each of us is dealing with "money", and it is necessary to educate children in financial and business as soon as possible, let children correctly understand money as soon as possible, and establish a correct concept of consumption.
As Mr. Chen Jingqing said, the financial and business education of cultivating children is not only about teaching children how to accumulate wealth, but also about the cultivation of thinking methods, behavior methods and life values.
I think that's what a lot of parents teach their children.
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