Just after the New Year, the debate about who should manage children's "lucky money" began again: how to manage children's "lucky money" and whether children can manage it well. ...
It seems trivial to guide children to make good use of lucky money, but it also tests parents' parenting wisdom while embodying their parenting ideas. Today, we will talk about how to cultivate children's correct view of wealth and guide them to gradually realize "financial freedom".
How to spend the lucky money?
Once upon a time, Chinese-style "cheating" became a way for parents to "manage" their children's lucky money:
"I'll give you the lucky money first, and then I'll pay your tuition when you go to school."
"Save the lucky money, and you can marry your wife in the future."
"The lucky money is reserved for you to buy toys."
"I'll save the lucky money for you first and give it to you when you grow up", which is also called "the biggest lie of this century" by netizens.
"After the Spring Festival, should the red envelopes collected by children be confiscated?" "Can they try to let their children manage the lucky money?" It has become a headache for many parents.
In fact, using "happy financial management" is the best opportunity to teach children to know money and understand money, and to cultivate their financial awareness through happy financial management!
Nowadays, the concept of "financial quotient" has gradually entered the practice of family education. Let children know about social and economic phenomena from an early age and cultivate their corresponding financial awareness, which is conducive to the development and maturity of children's intelligence, emotion and psychology, and can also make future family consumption more rational.
Make happy financial management simple.
How to manage children's "lucky money" and how to guide children to gradually realize "financial freedom"? How to improve children's "financial quotient"? If you don't understand these problems correctly in detail, it may be counterproductive.
The purpose of cultivating children's financial quotient is by no means to make children worship money, but to let them know how to correctly understand money and how to create wealth by using the law of money, so as to truly realize "financial freedom."
Try the following tips to make happy financial management easier:
1, establish the concept of using money, and let children really know "money".
Give your child a piggy bank, put the remaining pocket money and red envelopes received during the New Year into the piggy bank, let the child learn to "save money" and educate the child to use and save money in a planned way.
2. Parents lead by example.
For example, during the Chinese New Year holidays, parents spend money lavishly, and children should also spend lavishly. Let children participate in it, see how parents plan rationally and discuss how to spend money reasonably. This is the most intuitive education for children.
3. Point out mistakes in time
Children may have some wrong ways to spend money. Once found, we should immediately point out and encourage them to use the correct method. If the child uses the right method, he should be rewarded immediately or encouraged verbally.
4 Create a private account for your child.
You can get your child's consent, open an account for your child, deposit pocket money in the account and keep it yourself. Find another notebook, let the child record what he thinks is the biggest expense, and then let the child analyze when it is most meaningful to use it.
Try to teach them to make money.
If you work hard, you will be rewarded. For example, lucky money can be managed in a unified way, so that children can learn to earn something from their work.
But be careful not to be a naked person who works for money
No matter how rich you are, you can't have richer children.
People say, "No matter how hard it is, children can't suffer." We prefer to say, "No matter how rich you are, you can't let your children have money."
Of course, this is relative, mainly because even if parents have good economic conditions, they can't let their children develop the habit of being too rich and profligate.
Involve your children in a simple family budget.
Children are important members of the family. In fact, it is not to let them make decisions, but to improve their sense of responsibility for their families.
Of course, financial education is not just about saving money and spending money. This is an advanced version of financial business education, which allows children to understand the law of money and establish investment and financial thinking.
Managing happy money is the most basic and important lesson in children's financial and business education. Reasonable value evaluation, appropriate consumption concept and conscious planning consciousness start with a small amount of happy money.
Then start with a small amount of lucky money and let the children learn to be the masters of money. As parents, we must cultivate our children's concept of financial management from an early age, and at the same time, we must be clear about the benefits and interests of financial management.