Why do parents have to allow their children to have "little coffers"? That's the best answer I've ever seen

Wealth will not be planned, and the richer you are, the easier it is to become a slave to money.

Money education is a compulsory course in children's lives, take advantage of the New Year, make up for this lesson for children!

Author | Potato Mom

On the second day of the Lunar New Year, relatives gathered together, and the old and young sat at three large tables.

The children are even more happy, and their pockets are full of New Year's money, and their son is no exception.

As soon as he got home in the evening, his son couldn't wait to start counting the money.

After counting, I didn't forget to call and show off to my classmates: "I received 5,000, why are you only 3,000?"

When her husband heard this, he began to count down his son: "If you don't study well at such a young age, why don't you compare yourself with others?"

said that he confiscated all his son's New Year's money, and said in the beautiful name "save it for you first".

The 7-year-old son is no longer as "foolish" as he was when he was a child, he sat on the ground and began to splash and roll, saying that his father was "a big liar who only knows how to cheat money".

The father and son argued for a long time, but no one could resist anyone, and in the end they could only come to me for comment.

The husband said that he was worried that his son would buy and spend so much money, but his son thought that this was originally the money given to him by his elders, and he could buy whatever he wanted.

I thought to myself, isn't this a good time to educate my son about money!

If the son has never had the opportunity to deal with money, how can he learn to spend money correctly and manage it reasonably?

So, I first took out a 100 yuan from the New Year's money and gave it to my son, and discussed with him:

"Mom will take you to the supermarket early tomorrow morning, and the money will be given to you first, and then you can spend it however you want!

When we come back, we will discuss what to do with the rest of the New Year's money, what do you think?"

As soon as the son heard that the money could be spent "as much as he wanted", he immediately nodded and agreed.

And the reason why I did this is mainly to let my son understand three things.

First of all, I want my son to have a more specific idea of the unit of money.

The reason why many children spend extravagantly and extravagantly is because they don't know enough about money.

watched a program on CCTV Children's Channel - "Home Alone".

Here, the child replaces the adult butler and is responsible for the family's household expenses for a month.

But even though these children are already in their teens, they still have no idea about the price of goods and the expenses of the family.

As soon as they got the money, some immediately spent 1,700 yuan to buy their favorite headphones, and some went to the mall for a whole day, and the money was not spent, and the family's dinner was gone.

There was a boy named Jiamu, his grandmother asked him for this month's grocery money, he only gave a total of 160 yuan, in his heart 160 yuan is enough for the whole family to eat and drink for a month.

But as soon as he turned his head, he ran to invite his classmates to dinner, and spent 560 yuan on one meal.

Although the children know the number on the banknote, they don't know what it represents.

I still remember one time, I was playing with my son downstairs in the community, and I heard several children boasting to each other:

"I've spent thousands on this toy!"

"I went to kindergarten, and my mother spent 1 million!"

Some children are even more exaggerated, saying that his father can earn 100 million a day, which makes the parents on the side cry and laugh.

So I took my son to the supermarket and the first thing I did was for him to learn to read the price tag.

At first, he excitedly went straight to the toy area, but after looking around, he began to mutter:

"Why are these toys so expensive? This small one costs 298 yuan?"

After some comparison and trade-offs, he only took a small puzzle priced at 49 yuan.

I struck while the iron was hot and took him with me to pick out school supplies, vegetables and fruits.

After a circle, he also felt more intuitively: 1 yuan can buy 1 pencil, 5 yuan can buy a pencil case, 10 yuan can buy 3 apples, and so on.

The son also found that he couldn't buy toys for 100 yuan, but he could buy a lot of fruits and vegetables.

Only by replacing abstract numbers with practical things can children slowly develop a concept of money.

For children's growth, not knowing money all the time is a more terrible thing than not having money.

On this trip, I also wanted my son to understand that everything is not free, but needs to be exchanged.

Everyone who has been a parent has definitely encountered this situation:

There is a lot of food and play at home, but when he goes out with his children, he always has to buy this and that.

made an excuse that he didn't bring money, but the child said, "You can just 'drop' it with your mobile phone." ”

I once asked my son, "Do you know where Mommy's money comes from?"

The son swore and said, "It's from the phone!"

Later, when I saw that I was shopping online, I clicked on various things with my fingers and sent them home, and my son also secretly took my mobile phone to Taobao to order it, thinking that he could buy these without spending money at all.

So this time, I took my son with me and used cash to go to the supermarket to trade.

I want him to see for himself that everything we buy needs to be exchanged for money.

As I walked around, I consciously told my son about the evolution of money.

From the "barter" of primitive society, for example, farmers exchange their hard-earned grain for salt;

In the Xia and Shang periods, people used shells as coins, and later gold, silver and copper coins gradually appeared;

Later, in order to make it easier to carry, we had banknotes.

And now, paper money has become electronic money, which is loaded in our mobile phones.

But no matter what money looks like, it will not be conjured out of thin air, but must be exchanged for it through labor.

I also used specific things to give my son an example, for example, a toy costs 300 yuan, and my mother has to work all day to earn so much.

Hearing this, the son was also a little embarrassed: "Mom, I must not spend money indiscriminately in the future." ”

After saying that, he also took the initiative to re-screen the things in his shopping basket, leaving only the ones he really wanted to buy.

There is such a sentence in "Money Education for Chinese Children":

Children only know that money is a piece of paper, the New Year's money during the New Year, and the red envelope on the birthday, but they don't know that money is earned by labor and needs to be sweated.

Only by helping the child sort out the relationship between money and labor will he really feel sorry for money and cherish money, and then slowly develop a correct concept of consumption.

Last but not least, I also want my son to understand that money is consumed and that he doesn't feel like he can never spend it.

Over the years, we have always seen similar news:

The girl bought the game skin and charged 80,000 yuan, and the boy spent 100,000 yuan to reward the female anchor......

The children don't realize that this is all the savings of their parents who have worked hard for many years, and when they spend it, they are really all gone.

Last year, the neighbor's child collected 20,000 yuan for the New Year, and secretly squandered it in ten days.

Originally, the neighbor didn't know, but the classmate's mother came to remind:

"Why is your child so generous lately? I invite a few classmates to eat and drink every day, and I have been to the game hall many times......

The neighbor came home and immediately taught the child a lesson, but the child was not convinced:

"Anyway, won't your grandparents still give red envelopes after spending them?

Since childhood, the child has never spent money, and the child naturally does not know that the money will run out.

As one education blogger said, don't be afraid to let your child spend the money themselves.

And she also used her personal experience to tell parents that they must give their children cash.

If you scan it with your phone and take it home, your child will feel how much less you spend.

Only when the child really feels that the amount and amount of money is limited, can he make good choices and plans.

Even if the child wastes some money at the moment, it is still a value.

There is a mother on Xiaohongshu who has prepared a small change bag for her daughter since she was a child.

The mother of the large amount of love red envelopes given by the elders will help her save them, and she will be responsible for the small ones.

Because she manages her own money, her daughter is not only good at saving money, but also very good at spending money, and never takes advantage of others, and has a high financial quotient.

So, when I paid this time, I also made it clear to my son that he would let him pay for everything he wanted to buy.

The son took the 3 coins found by the cashier, his face was full of melancholy, and he sighed all the way that "the money was spent too fast".

After arriving home, the son did not make any more noises to ask her husband to return the New Year's money to him.

My husband also figured it out, spending money, just blindly saying that children can't learn.

So the three of us began to discuss how to plan and use the 5,000 yuan, which is more reasonable and valuable.

In the end, with my son's consent, we decided to divide the money into 4 parts.

1. Study expenses (800 yuan): used to buy school supplies and books that my son likes;

2. Thanksgiving expenses (800 yuan): keep them for the New Year and holidays to buy gifts for the elders, so that the son knows how to give and be grateful;

3. Change expenses (600 yuan): As his son's usual pocket money, he will be given 50 yuan per month, and how to spend it will be distributed by himself.

4. Fixed investment (2800 yuan): This part of us is going to go to the bank to save together, just to popularize the concepts of "savings", "interest rate" and "principal and interest" with our son, so that he can experience the joy of saving money, and at the same time slowly teach him how to manage money.

There is such a sentence in "Poor Dad, Rich Dad":

"If you don't teach your children about money, someone else will replace you.

If you let creditors, profiteers, policemen, or even swindlers carry out this education in your place, you will definitely pay a heavy price. ”

Knowing money, managing money, and controlling money are things that every child must learn in the process of growing up.

If you want your child to improve his financial quotient, let's start by giving him a "small treasury".

This year's children's New Year's money, don't confiscate it directly!