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During the Chinese New Year, the children received a lot of New Year's money.
So, what do you do with all this New Year's money?
Some parents will confiscate all of them, and they will also say: Mom (Dad) will keep it for you!
Some parents leave it all to their children, such as letting them pay tuition fees and buy things they have always wanted to buy.
Some parents will open an account for their children separately and save it.
In fact, how to deal with New Year's money depends on the child's age, cognitive level, money awareness and family members' money education for children.
For children before the age of 6, parents can fully help keep them, and after the age of 6, the child already has a certain concept of money and consumption, and it is recommended to deal with the New Year's money in this way
Create three wallets at your disposal, namely a spending wallet, a wealth management wallet, and a sharing wallet.
Spending wallets- That is, the usual daily expenses, which are equivalent to pocket money, can allow children to be relatively free to dispose of.
What needs to be paid attention to here is to review in time, that is, to communicate with children to see what things are not necessary to buy in the consumption process? What are the best things to buy? This review process will lay a healthy foundation for your child's spending patterns.
Wealth management walletsThat is, to save a part of the New Year's money, so that children have the concept of saving early, and the interest generated will also help children better feel the charm of financial management and know how to plan funds reasonably.
Share wallets- For example, sharing snacks with family and friends, giving gifts to each other on holidays, spending on public welfare, etc., this part of the money spent on "others" will bring greater educational significance to children than simply spending on themselves!
Seeing this, many parents will question, is the 6-year-old child going to start giving pocket money? What if I lose it? And today's children don't have to worry about food or clothing, what's the use of asking for money? Even if you need it sometimes, why don't you ask an adult again?
But a child who doesn't worry about food and clothing really doesn't need money?
Because what children really need is not the money itself, but the things that come with the money.
First of all, children need the happiness behind money.
Writer Sanmao once wrote an article about "money", writing about a child's inner struggle for money.
Like all the little girls of that era, the colorful rubber bands and the character cards of the Dream of Red Mansions attracted Sanmao all the time, and collecting these things was all the joy of Sanmao during that time.
Although her family background is not bad, Sanmao's parents are strict with her and have no pocket money of her own.
So when Sanmao especially wanted to buy these gadgets, she stole her mother's five yuan.
And this kind of "stealing money" experience is not owned by Sanmao alone, every one of our children who did not have pocket money in childhood, in order to buy what they like, may have such thoughts.
Such a thought or behavior should not be elevated to the level of "morality", because we are just children, and we just want to get the happiness behind the money!
Secondly, children also need the self-esteem that comes with money.
Especially children who have grown up to have their own social circles, sharing snacks and giving gifts to each other, which one doesn't need money?
More than once, I have seen three or five elementary school students buying food at convenience stores.
Children with pocket money can choose generously, go to the checkout with confidence, and even exaggerate the deliciousness of the food to their peers. And children who don't have pocket money can only passively bear all this.
At that moment, what was the child thinking without pocket money?
He also wants to have money, and he also wants the self-esteem that he can use his own money at this age.
is like the protagonist of the TV series "Youth Pi" Miao Miao said: Children also need money to press their pockets, so that their bodies can be straightened.
Finally, children need the security that comes with money.
It is often said on the Internet that "the first child raised as an adult is yourself". It means that those reasonable desires that were not satisfied in childhood, thoughts and feelings that were not valued, and love that were not put in the palm of our hands can be tried to be used by ourselves in adulthood.
The same is true for the view of money.
Those childhood lack of money, in order to save a little pocket money to buy what they want, to sacrifice their own food money, or even to steal, etc., will make the childhood self have a strong anxiety about money.
When you reach adulthood, when you have the ability to make money, the consumption concept is more likely to "get out of control". Because we need to keep spending money to get the security of having no pocket money in childhood.
Therefore, when the child reaches the right age, please give the child pocket money, and please use his New Year's money with the child!
There is no clear time standard for giving pocket money to children at what age, after all, children do not understand the meaning of money by sleeping.
When your child understands the meaning of money and purchases, we can start to think about giving your child pocket money.
This change usually occurs around the age of 3 years. When we take our children shopping, they can understand the role of money and what money can buy. But at this time, most children can't distinguish the size of the face value of the coin, so there is no need to be too anxious.
As the child grows older, usually at the age of 5 or 6, especially after elementary school, the child has the need to spend money, and he will also count, and he will have a certain sense of rules, so he can give pocket money.
At the same time, it is also necessary to guide the child to allocate pocket money reasonably, know the purpose of each money, and it is best to keep accounts.
In particular, it is necessary to emphasize with the child the "release cycle" of pocket money, that is, how often to receive it. If you spend it all at once, you can't get it again right away until the next time you get your pocket money.
As for how much pocket money is appropriate to give at a time, you can calculate how much money your child will spend in a day, such as food money, travel expenses, etc., which is a necessary expenditure.
Then, on top of the "necessary expenses", add some amounts that can be spent freely, so that the "total amount" is more appropriate.
Schaefer, the author of the children's financial book "Puppy Money Money", once said:
Whether or not a person can arrange his own expenses is decided early in his life.
Children from ordinary families can only live the life they want if they learn to use money from an early age.
So give your kids pocket money! Let him spend his pocket money reasonably! Let's just be the guide of children's money consumption concept!