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.
Baidu Knows
After the child receives the lucky money, will you let the child hand it in, or ... spread it out?
Personally, I think this needs to be seen in different situations.
First, according to the age of the child and the amount of lucky money, decide whether to manage it for the child or let the child hand it in.
Second, it depends on the child's consciousness. If he is used to being sensible and conscious, he will still give some and try to let him take the lead.
Third, communicate with your child and ask his opinion, such as: Baby, do you want to keep this money for yourself? Or is it raised by parents? Or invest in family expenses, or use it for school supplies? Of course, you can express your opinions, and your parents will support you as long as it is appropriate! Moreover, you should tell your children that parents will not ask for your lucky money just because they want to pay your tuition and support you. It's just that you are still young, so your parents should take care of it. If you have a reasonable use, your parents will give it to you. I believe that if parents tell their children this, they will accept it.
Fourth, some parents are overbearing. Ask the children to hand over the lucky money after returning home, or leave a small part for the children. This is really bad for children, and children will feel that they are just tools to get lucky money, which is useless at all! And it's not respected, and the money is forced to hand it over! Over time, children will find the Chinese New Year boring. Anyway, they can't spend the lucky money themselves. Even if they spend it, they only have a little! Children will lose their desire to celebrate the New Year!
Fifth, if the living standards of parents' generation and ordinary families are not high, it is good to have enough to eat. Therefore, in spiritual education, the spiritual level is vacant, so many things lack indoctrination and contact!
Sixth, parents in our time pay more attention to children's psychology, mind, spirit, thoughts and so on. For example, now that parents want a second child, they should consider Dabao's feelings or communicate with Dabao. Were parents like this before? Of course not, parents gave birth to brothers and sisters, that's fertility! With the help of brothers and sisters, there will be no Dabao who opposes the idea that parents want siblings, and there will be no Dabao who thinks that parents are partial to siblings, jumping off buildings, running away from home and so on.
Seventh, times have changed. Can't say that the current times are not good. It can only be said that many ideas and opinions handed down from the older generation are still worth preserving!
The money was originally paid for by parents.
In many parents' hearts, there is an idea that although this lucky money is for children, to be honest, the reason why children receive the lucky money is actually that parents pay for it. Give others red envelopes by themselves, and other parents will also give them red envelopes. Or others will give it to their children for their parents.
So many parents think that this money should be their own. But in the eyes of children, this lucky money is given to them by others, and the children are still young and don't understand.