"Mom, see how much interest I have?" Enough headphones? "My son ran over excitedly, looking at my phone.
Open Yu Moubao, show it to his son, the income is more than 500 yuan. The son immediately said excitedly: "Mom, mom, you can place an order." "My son was so happy that he almost flew up on the spot."
The son saw that he was pressing the interest on the old money, because he always wanted to buy a pair of headphones, and said to him at the beginning: This is not your necessity, so Mom and Dad will not give you this money. If you really want to buy it, then use your pressed money to buy it.
There are two ways to choose, 1, buy now, directly spend your deposit. 2, the deposit is retained, let it generate interest, and when the interest is enough, then buy headphones. In this way, the principal will not be less, and you can also get a pair of headphones in white.
The 13-year-old son actually listened to these words, and he endured until the interest was enough, and this wait was one year. I have to say that I admire my son's patience for this "delayed gratification".
Today we will talk about it together, when the child has money, how should it be handled? For the cognition of money, how should parents educate their children?
In "Three Piggy Banks" by Yan Zhipeng, a professor of finance, we are taught that parents must know how to talk to their children about money. Don't think that the child is still young, it is not appropriate to talk about money, the child is still young, and when he grows up, he will naturally understand. In fact, when children are young, there is no concept of money, and when they grow up, they still will not understand.
Now it is often revealed that teenagers choose to spend loans in advance because of their worship of gold, and eventually they are unable to repay, and they are forced to be helpless and commit suicide by jumping off a building. There are also jobs, and the monthly income is also quite large, but the income is not spent much, and they can only become a moonlight family.
"Three Piggy Banks"
How can this be avoided?
"Three Piggy Banks" mentioned that the cultivation of financial quotients should start from the child's childhood, first of all, to learn to talk to the child about money, secondly, to pay attention to the child's education, because this is the most important investment in the child's life, and finally cultivate the child's perseverance, because only in this way can we accumulate huge wealth.
Let's first take a look at how to talk to your child about money
1. Talk to your child about money, is this topic appropriate?
Once upon a time, Chinese loved to use "copper stink" to describe money, and always felt that talking about money with children would "corrode" the child's young mind. In fact, this statement is very one-sided, talking about money with children is not to educate children to blindly chase money, but to let children understand how to manage money and develop good habits of using money.
The church son saved money and generated interest from the sixth grade of elementary school. At that time, he was told: Pressing the old money is like his chicken, keep it well, and the chicken will lay eggs, that is, generate interest. If you want to eat chicken directly, then there are no eggs to eat, and the chicken will only get smaller and smaller.
As long as there are chickens, there is no shortage of eggs. The eggs accumulated in this way can buy what they like, and they can be filial to their parents and grandparents. So the chicken is still there, take the egg to fulfill their wishes, forever.
The little people, at that time, listened to it, not only pressed the old money to save, but also saved the usual unused pocket money, and this persistence was a few years. In this way, the child sees that his "chicken" is constantly growing, and sometimes he wants to buy non-essential goods, thinks about it, and can deny himself and decide not to buy it.
Throughout the year, I finally took out the "eggs" I had accumulated and bought some small gifts for my family to express my heart. Because early, let the child understand the knowledge of money, see the child's changes, it is really very gratifying.
Therefore, do not think that the child is small, it is inappropriate to talk about money, in fact, the sooner the child knows the financial quotient, the better it is for the child. Let him understand that only through saving, money will grow slowly. Only when he himself understands how the "chicken" grows up will he know better how to resist temptation. I also understand the benefits of delayed enjoyment.
Children understand the benefits of storing money, parents must not only teach them financial and business knowledge, but also need to pay attention to children's education and learning problems. Because education is the most important investment in a child's life.
Let the child know that education will benefit him for life
There is no doubt that whether in China or abroad, whether in ancient times or in modern times, people with high academic qualifications have higher incomes than those with low academic qualifications. The insight is also broader, and the thinking is also wider.
Like in ancient times, how many cold students, the only way out is to kao Xiucai, Kao Zhuangyuan, once famous in the world, not only have high-ranking officials to take, but also can seal the wife yinzi. Therefore, there is Confucius's saying: "All things are inferior, only reading is high".
Although this phrase is seriously unreasonable in modern times, it is true in the era when Confucius grew up. How many cold students, all kinds of difficulties, also have to participate in the exam.
What about modern times? How many people have also enjoyed the dividends of knowledge changing destiny. Although in recent years, the college entrance examination system has been criticized by many people. However, it is undeniable that this is the fairest competition between the cold students and the middle class and the rich.
Knowledge changes fate, which is vividly reflected in Liu Yuanyuan, a talented woman at Peking University. A speech contest of "Hanmen Guizi" let the people of the whole country know that this "cold door student" from Peking University who laughed at himself was a "cold door student" who did not even have a door.
Where does Liu Yuanyuan have the confidence to win the championship in the mastery "Super Speaker", because she is a talented woman in Peking University. If it were not for education to change her destiny, she might still be in the countryside, and when she reached an age, she would find a family to marry and marry, teach her husband and children, and repeat the poverty of her father's generation.
Nowadays, doing online live broadcasting, it has also been worth more than 100 million.
Therefore, education is an important investment in a child's life, and the sooner the child knows, the better.
Education can enhance children's cognition and open up children's ideas. However, the character of perseverance can make the child's life path go longer and farther.
3. Let children understand that perseverance is the cornerstone of great wealth
Why is it said that perseverance is the cornerstone of the accumulation of great wealth? What does character have to do with wealth?
First of all, successful people in all walks of life are also successful in the accumulation of wealth. Their success is not casual, and intrinsic character is a prerequisite for the success of the vast majority of people.
Dong Mingzhu, chairman of Gree Electric Appliances, has always been an iron-blooded company in management, and the means can even be described as "cold-blooded". Because the company has regulations, the air conditioning deployment is carried out in accordance with strict regulations. A boss in Wuhan wanted to go through the back door through Dong Mingzhu's brother, cut in the team to get the priority of air conditioning deployment, and promised to pay Dong brother 30 million benefit fees.
For Dong Mingzhu, this is a matter of raising his hand, who knows that Dong Mingzhu rejected his brother and did not give any face. My brother's 30 million benefit fees were also lost. To this end, her brother even broke off relations with her for 20 years. In this way, Dong Mingzhu still does not change his original intention, and does things according to the rules, and there is now the take-off of Gree electrical appliances.
Secondly, the cultivation of good financial quotients is inseparable from noble character and adherence to scientific investment, consumption habits and thrifty habits.
Huawei founder Ren Zhengfei, went out to take the subway, ate in the canteen, a second-hand Peugeot car drove for more than ten years without changing. Is he out of money? Of course not, he was simple and habitual, and he did not care about these external appearances at all. Don't look at him, be simple with yourself, and often offer an annual salary of one or two million to attract talents.
With such a large pattern, it is not surprising that Huawei can have today's achievements.
As parents, we understand all this and teach our children well by example. After all, life is a marathon, and everything in the world has its own trajectory. We need to help children set correct life goals on the road to growth, cultivate children's character and financial quotient, and let children not take detours.
"Three Piggy Banks" is a masterpiece for cultivating children's financial quotient, which is informative and practical. The book not only allows children to have a correct understanding of money, but also plays a very good role in the formation of children's good habits and the cultivation of noble character.