Third-grade elementary school students saved 700,000 yuan for the New Year, how to spend your children's New Year's money

In the Orange Persimmon Interactive APP Orange Circle of Friends, there are many parents who show their children's New Year's money.

In the parent group, in addition to talking about the number of the baby's New Year's money, everyone is also discussing the use of the New Year's money.

The total amount of New Year's money posted by parents is as little as five or six hundred yuan, and as much as five or six hundred thousand yuan, and most of them are handed over to parents for safekeeping. Among them, a mother posted the baby's New Year's money, and the numbers are a bit amazing. The third grade has saved 700,000 yuan for the New Year, and only a few hundred yuan is usually at his disposal.

The mother of Xiaoyu, a girl from Hangzhou, posted a photo in several good neighbor groups: next to Xiaoyu, who was eating Chinese New Year's Eve, there was a thick 100-yuan bill.

Everyone quipped: "Does grandpa still lack granddaughters? Do granddaughters in their 30s want to think about it?"

It turns out that every New Year's holiday, Xiaoyu's grandparents will wrap a big red envelope, plus grandparents and seven aunts and eight aunts, Xiaoyu in the third grade this year has saved 670,000 yuan of New Year's money, plus this year's New Year will receive about 30,000 yuan of New Year's money, Xiaoyu's deposit can exceed 700,000 yuan.

With such a large sum of money, how to use it?

Xiaoyu doesn't have much concept of money yet, so the money is kept by her mother for the time being. Xiaoyu's mother, Ms. Liu, is engaged in the financial industry, and she divides the money into several parts: the first 600,000 yuan is mainly used to buy bank wealth management, and the rest will be invested in stocks.

So, do you usually give Xiaoyu pocket money?

Ms. Liu said that although the family conditions are relatively good, she is still relatively strict in terms of children's pocket money, and children can only get pocket money through their own efforts, for example, to achieve their goals in exams. Don't look at Xiaoyu's 700,000 yuan in savings, but she only has a few hundred yuan at her disposal. Considering that electronic payment is more common now, Xiaoyu's phone watch has also opened the payment function, and every time you spend a sum of money, your mother can receive a bill.

Once on an autumn outing, my mother kept receiving bills on her mobile phone, and when she got home, it turned out that Xiaoyu invited her good classmate to eat ice cream, and bought a ring for another good neighbor's sister. Xiaoyu's father, after hearing about this incident, also smiled: "I can't see it, I'm quite generous to my friends, and I usually ask her to invite us to drink a cup of milk tea, but I don't want to." ”

Ms. Liu said that now the child is beginning to be interested in money, usually give a few hundred yuan, let the child slowly develop some sense of financial management, and when she goes to college, she will be handed over to a part of the management, and when she starts working, the money will be handed over to her in full. After studying the picture books of economics, the baby decided to save 6,000 yuan of New Year's money for a fixed time, and children like Xiaoyu who can get so much New Year's money are very few after all.

The mother of Xiao Wang, a first-year student, said that the New Year's money he usually gets for the New Year is about 6,000 yuan. This number is not surprising, but the photo posted by Xiao Wang's mother of him going to the bank to open an account is of particular interest to everyone.

A few days ago, Xiao Wang took out last year's New Year's money pressed in the drawer and asked his mother to take him to the bank to deposit a fixed term. Xiao Wang's mother said that she was also surprised at the time and asked him why he did this. Xiao Wang said that he read a set of economic picture books on currency, transactions, commodities, etc., and felt that it was too cost-effective to press the bottom of the box for New Year's money, and it was better to save it for a fixed period with interest. Xiao Wang's mother originally wanted to suggest that he save it in Yue Bao, but then thought that it was proposed by the child himself, so she asked him to save for three months and try it regularly, so that he could take out the interest to make a comparison, so she took him to the bank to make a fixed deposit.

The aunt of the bank is very enthusiastic, as long as you show the guardian's ID card and the child's ID card or household registration book, you can open an account for Xiao Wang, after the successful completion, Xiao Wang happily took the deposit receipt and left, and said to his mother: "I will continue to deposit this year." "Because this year has not yet finished the New Year, the total amount of New Year's money is not yet known. Xiao Wang's mother is ready to wait for the New Year to be good and continue to fulfill his wish.

I went to the mall and bought a rose gold ring for my mother

The baby who can spend money also wins likes

Xiao Wang's ability to save money has made many parents praise it. Xiao Zhao's mother's way of spending her daughter's New Year's money also made everyone praise.

Xiao Zhao is in the sixth grade this year, and he is his mother's intimate little padded jacket, and the mother and daughter often go shopping together. Before the Chinese New Year, when my mother and Xiao Zhao went to the mall, my mother tried on a rose gold ring, about 2,000 yuan, and I thought about it when I usually had to wash dishes and wash clothes or something, and it was inconvenient to wear, although it looked good to wear, I didn't make up my mind to buy it. What made her particularly touched was that on the first day of the new year, she got the New Year's money from her grandparents and grandparents, and yesterday her daughter went out shopping with her husband, and when she came back, she bought the ring back and gave it to her.

Xiao Zhao's mother said that her daughter had also given her gifts before, but most of them were handmade, and this was the first time she got a gift that her daughter bought with money, and she was particularly moved: "I feel that she has grown up and can think of using money to buy gifts and bring joy to the people around her, and this money is very meaningful." She told her friends about her daughter's ring, and everyone was envious: "First of all, the child can think of it, and secondly, he is willing to spend it for you." Xiao Zhao's mother also thinks that it is good to save money for the New Year, and she should also support her daughter's choice to spend part of it like this.

Xiao Zhao's mother's statement was supported by several parents. A mother said that giving money to her children and letting them decide how to use it for themselves is actually a kind of learning.

There is an agreement between their relatives this year that the New Year's money sent to each other's children is fixed at 100 yuan, so that everyone will not have a burden to take out the money, and the money can also be directly handed over to the children for safekeeping and use. Her son got a total of 600 yuan this year, and this money was saved in Alipay, which is bound to his phone and watch.

The mother said that the reason why there is such an agreement is because in previous years, everyone gave each other 500 yuan and I gave 800 yuan, which was a bit of a comparison with each other, which caused a lot of pressure on adults. In addition, if the child receives a red envelope, the child will be unhappy if the adult comes to leave. Now that it is stipulated that only 100 yuan will be paid for the New Year, adults and children are happy, and she thinks it is very good.

She said that her son has made a plan of 600 yuan for a year, including buying his favorite extracurricular books, taking the subway, buying milk tea, etc., and planning is very careful.