I took my daughter to my grandmother's house for the Chinese New Year and wrapped a big red envelope of 1,000 yuan for my sister-in-law's four-year-old child. Unexpectedly, as soon as the red envelope arrived in the hands of the sister-in-law, the child's grandmother said to the child, "Come, baby, give the red envelope to grandma, and I will help you put it away."
Unexpectedly, when the child saw the red envelope being taken away, he cried and insisted that the red envelope was his and that he wanted to hold it himself. The child's grandmother had no choice but to give the child back and told the child to "be sure to keep it for the mother", after all, this is not a small amount.
In fact, there are not many cases like this that cause quarrels between adults and children because of who is in charge of the New Year's money.
After all, the amount of New Year's money now is not as good as before, and it is not impossible for children who are six or seven years old to have tens of thousands of New Year's money. This amount of money may not be a lot of money for adults, but it is a "huge amount of money" for children. IfLeaving it completely to the child to take care of it will inevitably make the adult feel uneasy, but if the parent takes it away in the name of helping to keep it, the child will also be unhappy.
Think back to when we were young, how did our New Year's money fall into the pockets of our parents?
Take it in a good way
Child: "Dad, why did you take my New Year's money?"”
Dad: "When you start school, do you want to pay tuition, do you want to buy stationery, do you want pocket money?"
Child: "Yes."
Dad: "That's right, don't you just keep it for your tuition?" ”
"Grafting" type
Mom said, "I'll take a look at your New Year's money and I'll pay you back later." The child believed it and handed the big red envelope to his mother.
The mother took advantage of the child's inattention, took the money inside, and then stuffed a few small pieces of money into it, and said to the child very generously: "Give it to you, take it and spend it." ”
Rhetoric
Parent: "Mom will keep it for you first, and then return it to you when you grow up." ”
Dominate the crowd
Parent: "Children will lose so much money, I'll give it to you." ”
After a few rounds, the child's New Year's money fell into the pockets of the parents. Of course, when the child does not have the ability to manage money, it is more appropriate for the New Year's money to be kept by the parents.
But when children are older and have the ability to control money, dealing with New Year's money is a great opportunity to exercise their financial intelligence.
Children rarely have the opportunity to earn money on their own, so they have no opportunity to know and dispose of money. In this way, it is difficult for them to learn financial intelligence. etcIn the future, when you enter the society, it is a small thing to spend money lavishly, but it is a big thing if you fall into a money crisis.
Therefore, parents, the Chinese New Year is an opportunity for us to cultivate our children's financial quotient. Let him understand where the money comes from, where it goes, how to distribute it reasonably, and how to make money profitable.
The famous investment guru Peter Lynch once said: "A person's future wealth does not depend on his IQ and emotional intelligence, but on his financial quotient." ”
Together with children, properly and rationally handling the "New Year's money" is also a good opportunity for financial education.
To cultivate children's financial intelligence, parents need to know how to practice in ordinary education, less blind consumption, and let children participate in the management of family property.
When a child wants to make a model airplane, ask him what materials he needs, how much money he needs, how much money he has on hand now, what if he doesn't have enough, and what measures should he take to achieve his wish
When your child wants to eat a big meal, ask him what ingredients he needs to prepare, how to make them, and who he needs help with in order to eat the food
Behind these questions and details lies a standard financial process of "Goal-Resources-Plan-Action-Achievement".
In ordinary education, you may wish to listen more to your child's plan for "money".
The foundation of financial quotient education is to habitually take stock of existing resources and make reasonable plans in life, from simple small activities, so as to formulate appropriate financial goals and achieve their own wishes.
The realization of financial quotient education is not only to teach children how to spend money, but also to help children for a lifetime, the correct view of money and values, and the way of thinking to plan life.
In fact, the truth of educating children is the same.
Most children are born similarly, and when the children grow up, the reason why there are differences in pros and cons is that some children can clearly perceive life, while some children always stay in the protection of their parents and the theory of books.
The best education for children is often hidden in the bits and pieces of life.
Let children be like wild flowers, come from life, go to life, and master a set of their own wealth concepts in the exploration of bits and pieces.
In this regard, the University of Cambridge has done a study:Children can understand the concept of money at the age of 3-4 years, and by the age of 7, the basic concepts related to future financial behavior are formed.
In other words, parentsFrom the beginning of kindergarten, it is necessary to educate children on financial quotient, let them know where the money comes from an early age, and teach them to learn to manage money, spend money, and make money, without further ado.
1. Start with the New Year's money and tell the child that the money comes from **
In life, there are always many parents who complain that their children don't know how to be grateful, don't know how to be considerate of themselves, and say that their childrenHe always likes to constantly argue with himself for all kinds of things, whether it is snacks, new toys, clothes, or anything else he wants when he grows up, never considering the financial means of the parents.
On the surface, it is that children do not know how to be grateful, but in essence, it is the lack of financial education, and children don't know where money comes from, so how can they know how money should be spent?Children don't understand the ** of money, and naturally they don't know how hard their parents are.
Starting from the New Year's money, let the child understand that the income of the family, the income of the parents is one, and the New Year's money given to him by others is also one of them.
The amount of New Year's money that the child receives every year is not small, and parents do not have to spend it for their children, or save it privately for their children, they may as well try to open an account for him in the name of the child, and deposit the New Year's money in his account, so that he can have his own"small treasury", and then guided him on how to spend the money.
Parents can tell their children that they will help him bear the necessary expenses for daily food and clothing, but the money in his own account can be used as daily pocket money, and he can plan how to spend the money himself.
In addition,It is important to guide children to set up an account book, develop the habit of daily bookkeeping, learn to record their income and expenses, and then make a summary of income and expenditure at the end of each year.
Many parents complain that their children don't understand the hardships of earning money, and there are often news reports that their children recharge game equipment and reward anchors, squandering their parents' hard-won savings. In fact, these are all because parents do not cultivate their children's financial concepts in their early years.
If parents want to cultivate their children's financial intelligence, they can be guided through picture books, and here I recommend this set of "Little Financial Experts Financial Quotient Cultivation Picture Book" that my daughter and I readIt is dedicated to the design of children aged 3-7 yearsThis book is based on the short stories generated by the daily life of Ziang and ZiheInform children about the appropriate concept of capital, the way to obtain wealth, the concept of wealth sharing and public charity, etc. Let the children receive financial education in the process, view money correctly, apply money, learn to make good value judgments and improve social moral limits, shape self-esteem, independence and sense of mission.
This set of books includes "Aunt Bear's Bargaining Price", "The Car Hurts", "The Stingy Grandma", "Mother's Day Gift", "The Greedy Rat Goes to the Supermarket", "Home Alone", "The Pig's Storage Tank", and "The Rabbit Farming". Through 8 financial enlightenment stories, let children learnCherish the income of parents' labor and cultivate children's sense of money
The Picture Book of Financial Quotient Cultivation for Little Financial Experts coversBarter, learn to keep accounts, be diligent and thrifty, consume wisely, understand insurance, learn to save, and reuse resourcesThrough the form of stories, we help children understand basic economic concepts, train children to develop correct financial management and consumption habits, and lay the foundation for the future elite.
The form is lively and the content is interesting, which helps children establish a correct view of wealth. Witty and vivid stories are especially useful for children, who learn the proper use of money from the stories. This can penetrate into the child's heart more than plain preaching.
My children have listened to the stories in the book Home Alone many times, and through storytelling, children now clearly know the necessities they need in life.
In addition, this set of books is:Bilingual picture book in Chinese and EnglishIt will also be helpful for children to learn more about English while cultivating financial intelligence, and to better understand the connection between English and ** and situations.
Children's growth is only once, don't miss the best period for the cultivation of "financial intelligence".
Our store is now doing activities, a set is only 99 yuan, the stock is limited, while supplies last!
Interested parents can purchase it at the link below