"Wishing you prosperity, bring the red envelope! "Every Spring Festival, children will always receive a bag full of New Year's money. How can these small wealth, which carries the blessings and expectations of the elders, be properly kept and utilized? Today, we will take a lively and interesting way to ** "how to keep children's New Year's money best", so that young parents and growing small rich people can get inspiration from it.
Act I: The patron saint of New Year's money - bank deposits
Child-only accountsJust as every superhero has their own secret base, children's New Year's money also needs a safe and transparent "base" - opening a children's bank account. In this way, children can not only be taught to understand the meaning of saving, but also allow the funds to be safe and secure in the bank, and at the same time enjoy a certain interest income. Fixed Deposit Education GrantParents can guide their children to save part of the funds as a fixed deposit, so that they can intuitively feel the process of increasing the value of money over time, and at the same time reserve a guarantee for future schooling. Act II: Financial Initiation Lesson - A Little Test of Investment
**Regular investment enlightenmentIf your small rich man already has a certain understanding of money, you may wish to try to use part of the New Year's money to make a regular investment. This is not only a way to invest, but also a vivid practical lesson in financial knowledge. Of course, all this should be done under the guidance of parents and choose products with lower risks. Buy insuranceIn addition to traditional financial products, you can also consider using part of the New Year's money to buy suitable insurance products for your children, such as education annuity insurance or health insurance, which is not only an investment in your children's future, but also a guarantee for your children's lives. Act III: Life Skills Development – Consumption and Budget Management
Make a spending planEncourage your child to get involved in making a spending plan, such as setting up a wish list of what they want to buy and calculating how much they need. This will not only develop their goal-setting skills, but also help them learn how to allocate resources wisely. Experience the joy of shoppingParents can take their children to supermarkets or shopping malls, let them use part of their New Year's money to buy their favorite items, and experience the whole process from selection to payment, so that children can understand the value of money and learn to cherish every expenditure. Charity activities to show loveIn addition, children can also be guided to use part of the New Year's money for public welfare activities, such as donating to people in need or supporting public welfare projects, so that they can know how to share and contribute from an early age, and also establish a good sense of social responsibility. Act IV: Financial Education Battles – Gamified Learning Experiences
Demo trading gameMake use of some online or offline simulated trading games to let children learn financial knowledge in the games, understand the concepts of income, expenditure, savings and investment, and make boring financial knowledge lively and interesting. Parents and children read financial books togetherRead children's picture book stories about finance and financial management with your children, and subtly convey the correct view of money and values through the characters and plots in the stories. Conclusion
Keeping children's New Year's money is actually an excellent time to educate and entertain, parents can help children understand and master basic financial knowledge through reasonable planning and guidance, and cultivate their sense of savings, investment philosophy and social responsibility. In this way, every penny of New Year's money will become a bright gem on the road of children's growth, illuminating their path to smart financial management.
Interactive sessionsDear readers, how do you help your children keep and use their New Year's money? Come and share your parenting tips and financial tips! Let's work together to create a world full of wisdom and happiness for children.
How many red envelopes did you give out during the Chinese New Year