During the Spring Festival, it is the happiest thing for children to receive lucky money from their elders. In recent years, with the improvement of living standards, the weight of lucky money red envelopes has become more and more sufficient. How to guide children to correctly understand and use lucky money and cultivate their "financial quotient" through "lucky money" financing has become a winter vacation "homework" that parents and children need to complete together.
Guide children to correctly understand lucky money.
"Every year, I will collect my child's lucky money and help her keep it, so as not to waste it." Zhou Jiayun, a parent in Zunyi City, Guizhou Province, said that she was worried that her daughter, who was only 10 years old, would go shopping regardless after getting the lucky money.
At present, many parents generally take the way of helping their children manage lucky money to avoid their children spending money indiscriminately, but ignore how to guide their children to correctly understand lucky money.
Nowadays, children have good living conditions, and most of them are only children. Clothes come to reach out, food comes to mouth, and lucky money is unexpected wealth, which is easy for children to have the idea of making money easily. Many children never feel bad about spending money. Parents lose their temper when they don't agree to buy anything, which will have a bad influence on their children's growth.
First of all, let the children know that the lucky money is exchanged by the elders through hard work; Secondly, giving money to children in the form of lucky money is an expression of love and return to children. I hope this money will help children's study and life.
Through this kind of education, let children know that spending money is easier than earning money, cultivate children's correct view of money, understand the relationship between money and labor, and form a good habit of thrift.
Let children learn to plan and manage lucky money.
Chen Tongyue, a junior high school student in Guiyang, has a good family condition. In the third grade of primary school, with the help of her mother, Chen Tongyue opened her own personal account in the bank, and deposited the lucky money and pocket money in the bank by "zero deposit and lump sum withdrawal". In the fifth grade, she and her mother began to buy "fund fixed investment" together.
"I not only understand that money is earned by parents, we should be diligent and thrifty, but also understand that wealth can add value to wealth." Xiao Tongyu said.
Zhang Peng, Chen Tongyue's mother, thinks that many parents like to keep the lucky money for their children and keep a close eye on it. In contrast, it is more conducive to the healthy growth of children to leave the lucky money to children for management and planning.
"Financial education also has a very important role, that is, to let Xiao Tongyue know how to help others. She will donate the money in her account to the Hope Project and donate it to the Wenchuan earthquake-stricken area and those around her who need help. " Zhang Peng said.
Parents should use the annual lucky money to make a series of financial plans with their children, guide their children to use the lucky money reasonably, and cultivate their children's "financial quotient" from an early age.
Parents can work out a plan for the use of lucky money or a financial distribution table with their children. For example, 10% of the lucky money will be spent during the Spring Festival, 10% will be used to buy school supplies, and the remaining 80% will be used as long-term savings for appropriate investment.