First, make a consumption plan.
Children have hundreds of lucky money, will they spend it indiscriminately? This is the most worrying problem for parents. At this time, you can make a "consumption plan" for the "lucky money" with your children: you can make a short-term, medium-term and long-term red envelope amount and use, and make a consumption list at each stage. The items on the list can be divided into three categories: urgent, important and general, and then focus on teaching children to buy what they need most according to the amount of lucky money and controlling the purchase of general things.
Note: When children begin to have money autonomy, they are likely to buy snacks and toys at will, resulting in a "fiscal deficit". This is only the first step to establish the concept of financial management. Parents can remind them appropriately, but don't be too nervous.
Second, form the habit of saving.
Children should cultivate the habit of saving money for a rainy day from an early age. The best time to teach children to save money is to collect red envelopes during the New Year, because it is impossible for ordinary children to spend a lot of red envelopes at once. Bian Xiao suggested that children should save the money left after purchasing urgent and important lists, or they can save 25% of their weekly pocket money and put it in the bank or piggy bank every month.
Third, reject "money first"
The purpose of financial management education from childhood is to cultivate financial management consciousness and correct consumption concept, and never let children become "slaves of money" and never let them have the consciousness of "money first".
Parents should pay attention to adjusting their children's mentality when they are more and more addicted to saving money. For example, when an elder has a birthday, falls ill, or meets a charitable donation, children can be encouraged to take out some money in the passbook to buy a small gift for the elder, or donate it directly to express their love.
Four steps to cultivate a good concept of financial management
First, teach children to use money in a planned way. You'd better make a plan when you give money. Parents put forward principles, and the specific content is the responsibility of the children themselves. Parents do not directly intervene, but should supervise and inspect;
Second, the amount of money given to children should be within the control of children. If it exceeds the amount of children's usual pocket money, children should be advised to save the money;
Third, take children shopping and teach them to buy cost-effective things by shopping around, so that children can be more rational when spending;
Fourth, the training of simulated living expenses. Parents and children can usually play some games of "buying and selling things" with their children, and let them understand the meaning of money through continuous simulation training.
A year later, I believe your child has become a "small rich man". How old is your child? How does your family make "lucky money" red envelopes? Is the effect good?