#Parent-child Happy New Year##Headline Creation Challenge##头号有新人 #
Everyone received red envelopes when they were young, how did your parents deal with them? My parents are: This money will be kept for you first. Then as soon as school starts, they take out the red envelope to pay the tuition, and the rest is gone, haha.
When I became a mother, the first two years of the child was still young, the red envelope went out and took it back, the child's happiness is the moment when the red envelope was received, and I spent the money without saving it for her. The child has also grown older in the past two years, and I think it is time for her to establish a view of money.
Then I saw a very unique point of view on the Internet: because it is a child, it is more important to let the child spend the money immediately.
If you listen to your parents, then the money is generally according to what your parents say: save first. When I got two hundred yuan in elementary school, I felt that the joy might be different after many years to spend it.
When I got 200 yuan in elementary school, it may be a huge amount, and if I can use this money to buy what I usually want, it is a wonderful feeling, so happy. But if you reach high school, the two hundred yuan saved is no longer the huge amount you thought you had at the beginning, and the things you want are estimated to be many times more expensive than 200 yuan, and if you use this money in elementary school, you will no longer get it.
This feeling is like I just graduated a few years ago and went to Suzhou, I didn't have much money on me, I wanted to eat squirrel fish, I saw a long-established store, I didn't dare to enter, I thought it would be expensive, and then I didn't go in. I didn't go to Suzhou again after many years, but I regretted a little, why didn't I go in to taste it in the first place, in order to save some money, but I missed that feeling.
His view is that the money should be used by the child immediately, which will be of great value. If you save it, after many years, the value will be reduced to just "a little compensation for the cost of living".
Children can use this money to see an exhibition, go to an amusement park with good friends, buy toys that they want for a long time, and even travel, less money to go to a closer place, more money can go to farther places, to socialize, to broaden their horizons, let this money play its role now.
And if you save it, when you grow up, the value of this money is far less than the value of spending it now. Of course, we are talking about the general child's pressure money, if it is the kind of pressure money that has a lot of money. We can take a look at this map of the money on the Internet, haha, the comparison of the amount is still quite large.
The above is the opinion of a blogger I have seen. My personal view is that if the money is not much, the child is over five years old, and it can be spent immediately. If there is more money, the parents of older children can still plan with him how to deal with it. You can divide the money into three parts:
10% is used for the usual pocket money and can be used by yourself. Buying snacks, toys, school supplies, etc., this part of the money allows him to make his own decisions. The money can be given to him on a weekly basis.
40% of the money used to fulfill the wish list, children must have a lot of wishes, some wishes can not be fulfilled with large pocket money, such as wanting to go to Disney, at this time this part of the money can be used as a wish fund.
50% of the money used to make money, you can save this part of the money for a little interest, to have a sense of ritual can also open your own account in the bank for your child. You can also buy insurance, education funds or wealth management products. This requires parents to study how to allocate reasonable proportions, after all, there are risks in it.
Of course, how to deal with the child's money depends on the family situation, and it is necessary to package it out and save money, which is really a lot of money. If the family is more difficult, at this time to talk about financial education, I really think it is selling anxiety, at this time you can directly explain the family situation to the child, and take out a part of the money for the child to control himself. The rest is used for household expenses. Let's not talk about the money that is not bad, after all, each family situation is different.
Happy New Year to everyone in advance! Wishing you prosperity, bring the red envelope! Hahaha