How are your children's New Year's money managed?
Should parents confiscate their children's New Year's money? Which of the different methods is more scientific? What can parents rest assured that children want to be the masters of their wealth? How to judge whether a person has financial quotient?
Today's push is an excerpt from the Boya Primary School app "Business Week for Children"
Today, let's talk about the most important thing with your classmates: New Year's money.
On this topic, I have done some small research before, and I will share some practices with you today. Really, about how to deal with the New Year's money, a hundred flowers are blooming, and parents feel that they have no problem doing it. So, which of these different methods is more scientific? Is it right for parents to confiscate their children's New Year's money?
Confiscation of this, there was once this news, about a pair of 13-year-old sisters and brothers, the two said that they wanted to sue their father, on the grounds that their father took their 16,800 yuan of New Year's money in the name of safekeeping. Of course, this matter is more like a small story on the Internet that reminds everyone to pay attention to "whether the New Year's money can be used by children at will". However, as some families give more and more money for the New Year, parents often feel that their children are still young and it is not safe to put the money there for their children, so they have to help their children keep it first.
But the word "safekeeping", as everyone knows, is often lost when it is kept and kept. Everyone will complain, where is this called safekeeping, this is clearly confiscation. But parents will also say, this is safekeeping, look at you, don't you need money to eat, don't you need money to go to school? This is what is spent on you. In other words, you took the New Year's money, but I gave the New Year's money to other children, so this is offset by income and expenditure.
This reason, in fact, is not very good, parents, we have a say, even if there is no New Year's money, the child's money for food and school, should be spent or spent, not necessarily said, this year's New Year's money, we are hungry, definitely not. How should this money be planned?
Let's make an assumption that the money has reached a certain amount, a few thousand dollars or more. When it comes to this data, it actually has a certain financial value. Note that financial management does not only mean "money makes money", reasonable consumption itself is also an important part of financial management. For example, when we buy things, where to buy, how much to buy, whether we are in a hurry to buy, whether we shop around, are all very important financial skills.
For some students, the most desirable situation is "give me the money, adults don't care, I spend it as I please", and then many people will spend it in one go, feeling that if they don't spend it immediately, it will be like the end of the world. Why is this happening? Some people are worried that the adults will regret it, and they say give me flowers now, and if I don't spend them, I'll take them; and some people are the kind of people who have wine today and get drunk today, and in the future they will be moonlight clansmen, and how much money will be spent. Then when there is a little accident that needs to spend money, he will be blinded and start borrowing money from everywhere or asking for help from elders.
Why is this happening? It's because under normal circumstances, we don't get involved in the family's day-to-day expenses, we don't have the awareness of emergency plans, and we don't have the idea of long-term planning. For example, we don't need to think about how much we will save this month's water, electricity and gas, how much it will cost to buy food tomorrow, what to do if someone gets sick, and we don't need to think about changing cars or paying off mortgages......
Because there is no burden of life, the money in hand is used to make additional consumption for yourself, and you have to eat and live after spending it anyway, so there are often some problems with wealth control. If you just squander the money in a short period of time, then I will tell you the truth, it is not too unjust to be confiscated. Therefore, when getting a decent income, we have to think from the perspective of "understanding financial management" and try to be the owner of wealth ourselves.
If it is not confiscated, or if it is to avoid being confiscated, what can be done? We can divide the New Year's money into several parts.
The first part, of course, can be spent. As I said earlier, "spending money" is also an integral part of financial management. However, this "will spend money" does not mean to use money hard, but to have a plan and a cool head when spending money. For example, when we look at parents, sometimes we will compare prices when we buy things, and my family is, today Hema is cheaper than Meituan, buy Hema. When my classmates buy things, we sometimes lack this awareness, and when I see it, I have to buy it! Although I get the pleasure of "being happy immediately", I may be a little annoyed when I go home. This thing is also available at the doorstep, so it's a lot cheaper. Dear students, there are a lot of delicious and fun during the holidays, and if you accidentally overspend, it is more likely to appear that you haven't finished eating after the holiday, or you don't play much after that, or there is actually no need to buy gift boxes.
In addition to learning to wait and compare prices, there is also a good habit at this stage, which is bookkeeping. Every time you spend your money, make a record, how much money you used today, what you spent it, and record it. Many times we encounter small amounts of consumption, often feel that they have not spent money, how the money is gone, that bookkeeping, help us judge the reasonableness of their spending, clearly see where the money is spent.
The second part is what parents often say, "help you save it", and you are very particular about saving it. This is not stored in a drawer, but into a system that can "generate new income". For example, deposits, but also other wealth management products. Of course, the students must want to be low-risk, and take the New Year's money to speculate in stocks, which is too high, and if they lose, they may quarrel, and everyone blames each other or something.
A classmate asked, can I open an account in a bank to save my own money. Yes, a little troublesome: for minors to open accounts, the People's Bank of China has a unified rule: Chinese citizens under the age of 16 living in China should have a guardian open a personal bank account on their behalf, and present the guardian's valid identity document and the account user's resident ID card or household registration booklet. The specific requirements are: the guardian must accompany the application, and the guardian fills in the card information as an agent. Proof of guardianship must be provided.
Adults must be troublesome, there is a way to put it in the adult's account, but if you put it in, there is a small suggestion, that is, to talk to the child about the change in this money every month. For example, there are 100,000 yuan in this account, and the first 10,000 yuan is the New Year's money, and the child is the shareholder who accounts for 10% of the shares, and for every 10 yuan of additional interest, one dollar is the child, which is also a way for adults to gain trust.
Of course, some classmates said that I wanted to try the kind of risky ones, such as funds, stocks, and even lotteries. Let's review what I said before. Lottery belongs to entertainment,Minors are not allowed to buy by themselves,Its essence is donations,Can not be used as a way to manage money;And stocks need to have a certain degree of professional knowledge and the ability to bear losses,If you think about it every day,Think about how to get back every day,It's also quite tangled.
There is another thing, but I would like to remind the students that this is the same as pocket money, that is, how to make adults believe that you will not spend money indiscriminately, or, let's be honest, let you spend money indiscriminately. I once swiped a video on the Internet, an 8-year-old boy, on Father's Day, bought a small cake for his father with New Year's money, and this gift cost 30 yuan. When his father came home from work and saw this gift, he immediately burst into tears. Do you think that at this time, Mom and Dad will be entangled in whether this cake is worth 30 yuan? Will they decide to give more next time?
To judge whether a person has financial intelligence, there is a point that has little to do with the amount of "money", that is, whether he has emotional intelligence. In practical terms, it is whether we will only use our money for ourselves, or whether we will care about the people around us.
Think about it, do the adults in the family only use their money for themselves? Of course not. A large part of it is used on children. If we also learn to empathize and not use all the money on ourselves, even if adults say "Oh, don't spend money indiscriminately", our hearts will be happy, and we will not think about confiscating your New Year's money!