The third-grade children saved 750,000 yuan in red envelopes! How do your children use New Year's money?
Preface. After the Spring Festival, the children received a generous New Year's money. In the parent group, someone posted the number of their children's New Year's money, and one of the mothers posted a surprising number - her daughter Xiaoyu, who is in the third grade, saved 700,000 yuan in New Year's money! This huge amount of money was given by relatives such as grandparents, parents-in-law, and seven aunts and eight aunts. So, how did Xiaoyu's parents manage so much money? At the same time, other parents also shared how they use their children's New Year's money. Let's find out.
How did Xiaoyu manage his $7 million year-end bonus?
Xiaoyu has 700,000 yuan for the New Year this year, but he is not very clear about the concept of money, so the money is temporarily kept by his mother. Xiaoyu's mother, Ms. Liu, works in the financial sector, and she divides the money into two parts: 600,000 yuan to buy the bank's wealth management products, and the rest to invest**. In addition, Xiaoyu's mother is also very strict about pocket money, and only if Xiaoyu achieves good results through his own efforts, such as exams, can he get pocket money. Although Xiaoyu has 700,000 yuan in savings, he only has a few hundred yuan at his disposal every day.
Some time before the increasing popularity of electronic payment, Xiaoyu's watch mobile phone also had a payment function. Every time Xiaoyu consumes, her mother will receive an invoice. Once, Xiaoyu went on an autumn outing, bought ice cream for his best colleague, and bought a ring for his neighbor's sister. Xiaoyu's father sighed when he heard about it"I really don't understand, she is very generous to her friends, but she usually doesn't give us a cup of milk tea. Ms. Liu said that she hopes Xiaoyu can cultivate some financial awareness through these small pocket money. When Xiaoyu goes to college, her mother will gradually teach her some financial knowledge; When Xiaoyu works, all these year-end bonuses will be handed over to her.
Xiao Wang's economic inspiration.
Inspired by economics, Xiao Wang, a first-year student, decided to put his New Year's money in a fixed deposit in the bank. Xiao Wang's mother wanted to suggest that he put his New Year's money into financial products such as Yu'e Bao, but she thought that her son's idea of putting his New Year's money into a fixed deposit was also worth supporting. Xiao Wang's mother took him to the bank to open an account and saved last year's New Year's money. Xiao Wang said happily that he hoped to continue to save time this year. Xiao Wang's mother plans to take him to the bank to fulfill his wish after the Chinese New Year. Xiao Wang's behavior has been appreciated by many parents, who believe that letting children manage and decide how to use the New Year's money by themselves is also a kind of learning.
Xiao Zhao used the New Year's money to buy gifts.
Joe is a delicate daughter. When she went to the mall with her mother, she saw a rose gold ring and liked it, but her mother didn't buy it due to cost and use considerations. Xiao Zhao happily told her mother that after receiving the New Year's money from her grandparents and other relatives, she bought this ring and gave it to her mother. Xiao Zhao's mother was very touched and felt that her daughter had grown up and could use her own money to bring joy to the people around her, and this kind of consumption was very meaningful. Xiao Zhao's approach has been admired and appreciated by everyone, and many parents also feel that it is also a good thing to let their children decide how to use the New Year's money.
Advice for parents: How to use your child's New Year's money.
In discussions with other parents, they came up with the idea of letting the child decide for himself how to spend the money. They want their children to learn money skills by managing their money. A mother said that her relatives stipulated this year that each child would receive 100 yuan of New Year's money, so that the children would not be overwhelmed by the New Year's money, and parents could also directly hand over the New Year's money to their children and let them keep and use it themselves. She believes that letting children decide how to spend their New Year's money is actually a kind of learning.
Summary. Although the amount of the year-end bonus varies from family to family, parents should consider how to manage their children's year-end bonus. Some parents choose to use the year-end bonus for financial investment; Some parents encourage their children to manage and decide how to use the year-end bonus; There are also parents who encourage their children to use the year-end bonus to bring happiness and joy to those around them. Either way, they're helping children learn how to manage money and develop values.
At the same time, for children, the year-end bonus is both an asset and an opportunity to learn. They can exercise their financial management and decision-making skills by managing their New Year's money. Therefore, parents can discuss with their children how to use the New Year's money, help them make a reasonable plan for the use of the New Year's money, and cultivate correct consumption concepts and values.
Most importantly, parents should set an example by instilling in their children the right values of money and encouraging them to spend rationally and treat others well. In this way, children can learn something truly meaningful in the process of using the year-end bonus and lay a solid foundation for their future life.