During the New Year, every family and friend will give their children red envelopes. When the children are young, the red envelopes are handed in, and when they are older, they all want to manage the red envelopes themselves.
Children should also be given a little concept of money and learn to manage money. But we must ask him not to spend the money indiscriminately, but to keep it for use. Also come to share the "planning" on the matter of children's pressure on the old money guide:
1. Before the child does not ask for the money, the parents keep it for him.
It is estimated that before the age of 3, the child will not ask what is the pressure of the old money, so the child's pressure money, we have to open a special bank account to save it.
The right to use this money must involve children, and it is good to do wealth planning and take our own money.
2. After the child asks, it is necessary to determine with the child that the ownership of the money belongs to him.
When the child asks about the pressure of the old age money, we will explain to him: the pressure of the old age money is not what you "deserve", more often it is the embodiment of the elderly care and human contact.
However, the child still has the ownership of the money and can choose the way to dispose of it to a certain extent.
3. Let your child understand what money is.
The essence of money is the remuneration for the exchange of labor.
When the child is slightly older, set some financial returns for the child through small games such as washing dishes, mopping the floor, and massaging. But in essence, it is to make children realize that "money" takes time and effort to obtain, and it is not obtained for no reason.
Spending money is spent in exchange for goods and services.
Encourage children to use money to buy their favorite snacks in the supermarket, or buy favorite toys in parks and shopping malls, so that children understand that money can be exchanged for what they need.
Of course, it is also necessary to understand the difference between wanting and needing, and this really depends on how we as parents guide us.
4. Through games, let children understand "money makes money".
In the book "The Game of Pressing The Year", it is mentioned that the author's father gave his daughter a game, that is, by borrowing "pressing the old money" with the child and paying "interest", the child understands that "money makes money". And by adjusting the interest rate on annual investments, children recognize that returns and risks may coexist.
This is also a fundamental elimination of the investment situation in which children grow up to "pursue high returns without considering risk".
In modern society, more and more online payments make children less accessible to paper money.
The concepts of one dollar and one hundred yuan are very vague for children who have not been exposed to the renminbi. You can use this opportunity to tell your child something about the value of the money and what items the money can buy. While letting children control themselves, they also develop the good habit of children being meticulous and thrifty.
As the saying goes, "Good medicine is good for the sick, and good advice is good for the ear." ”
Regarding family parenting, if you have more insights, you can leave a message in the comment area to communicate~
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[Author of this article]: Secretary Zhang of Orangutan Village
[Original Statement]: Some of the content of the article is excerpted from the Network, if there is infringement, please contact the author to correct and delete.
[Column Introduction]:
"Orangutan Ball Has Something to Say" is a parent-child education column of the new media channel under "Orangutan Ball Village". We aim to help more families improve their parent-child relationship and let the flowers of the motherland have a good childhood.
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