2. Buy an insurance policy. Insurance companies provide various insurances, such as personal accident insurance and marriage insurance. Buying an insurance with lucky money can get real protection, which is an ideal financial management idea.
3. Participate in the collection. During the Spring Festival, we will inevitably have some items worth collecting, such as small denomination RMB, foreign currency, commemorative coins, tourist tickets, exotic and exquisite toys and so on. If parents give proper guidance, it is an ideal way to manage money and gather wealth from an early age. Of course, ordering 1-2 sets of stamps with lucky money every year can not only gain knowledge from it, but also be used as a collection, which is a better idea of knowledge+investment.
4. Use it in meaningful things. Educate children to use part of the lucky money for public welfare activities, such as disaster relief, disaster relief, helping people in distress, etc. Let children learn to share weal and woe and enjoy happiness. At the same time, buy new year gifts for grandparents, and cultivate children's concepts and habits of honoring the elderly from an early age.
When I was a child, I mostly used lucky money to buy some toys and snacks, but in fact, the money was meaningless. This year, I designed a plan: my lucky money, which is divided into two parts. Half, please ask my parents to deposit it in the bank for me, so that I can have my own passbook and take out a part of the lucky money and deposit it in this passbook every year. I want to stay until I graduate from high school, and then travel with my parents, which is also a special fund.
The remaining half is still divided into two parts. Half of it is deposited in "Mom Bank". You may ask: Who founded "Mom Bank"? My mother, of course. I put my money in my mother's place. I write a list of things I want to buy, and then estimate the approximate quantity I need. Mom will give me the corresponding money after reading it. No, it's always at her place. The most important thing is that my mother will pay me some interest every month like a bank. Look, I also have a sense of financial management.
I keep the last part of the lucky money. School is about to start, so you can buy some necessary learning tools. Of course, don't repeat consumption. I like to buy reference books with lucky money best. I bought all the books on the bookcase in my room with lucky money, which lasted for five thousand years, ancient and modern, Chinese and foreign, so I should spend my money wisely. On mother's day and other festivals, I also buy some small gifts for my parents. Seeing them laughing so happily, my heart is sweeter than drinking honey. If there is another fund-raising activity, you can also use the money to help those in need, so that the lucky money can be used reasonably.