New Year's money is "digital" What should I do if my child spends money "without feeling"?
Expert: New Year's money is an important scene for cultivating children's financial quotient Parents should encourage them positively.
During the Spring Festival, the happiest is the children, in addition to all kinds of eating, drinking and playing, you can also collect the New Year's money, relatives from all walks of life walk around, the income of the New Year's money can often break 1,000 yuan, and some children can even become "10,000 yuan" after the New Year.
How to deal with this large number of "accounts", seems to have become a topic between children and parents, especially for the "post-10" in the era of electronic payment and the "post-80s" parents who have little experience in financial management since childhood, how to correctly manage the New Year's money is worth thinking about, for which the reporter also interviewed relevant experts.
Guangzhou**Quan**Reporter Feng Qiuyu.
New Year's money is gradually "digital".
There are parents who create opportunities for their children to "spend cash".
If you're always playing with tablets, I'm not going to give you New Year's money this year. The grandmother of the 7-year-old boy Komatsu said jokingly to him. "If you don't give it, you won't give it, anyway, every year my New Year's money is taken away by my mother. Komatsu responded.
In this regard, Xiao Song's mother Chen Chen smiled dumbly: "Because the New Year's money was originally given to each other by relatives and friends, and the children had nowhere to spend it, our parents naturally kept it." Indeed, in addition to touching the money when the child receives the red envelope, even if the ritual sense of 'collecting the New Year's money' has passed, it will never be mentioned again until the Spring Festival of the next year. And nowadays, a lot of the New Year's money given by relatives to their children is transferred by mobile phones. ”
Recalling the New Year's money she received in her childhood, Chen Chen said that her parents would still leave her some as pocket money to buy some delicious food, but now the reason why she doesn't keep money for her children is not because of anything else, but because electronic payment is too convenient. "The snacks that children want to eat are usually solved by takeout and online shopping, and even physical stores rarely go to them. ”
Compared with Chen Chen, the "post-85" Huilan wants to create opportunities for her daughter to "spend cash". "Mobile payment is not suitable for children, what changes is only the number, and it is difficult to experience the 'pain of spending' cash, which is not conducive to the establishment of children's awareness of financial quotient. "When I was very young, I would be forced by adults to go to a nearby store to buy salt and soy sauce, and by the way, I would use the change money to buy some snacks, which was regarded as 'errand fees'." Students who go to school together will also communicate with each other about which store has delicious and fun things, and occasionally they may borrow some pocket money from each other to meet their needs, which is indeed the first experience of 'money'. ”
Huilan said frankly that for her daughter, who is in the second grade of primary school, the annual New Year's money collected from childhood to adulthood is just a number. She knew that the money could buy good things, but she didn't practice it. Nowadays, WeChat wallet, Alipay and other electronic payment methods have long replaced the function of the original physical wallet, some elderly people are working hard to learn mobile phone payment, children without mobile phones can only be 'bound' with adults, lost the fun of taking cash in the department store at the door of our childhood when we were children. Now the 'post-10s' understand that 'buying things' is just an adult who takes out his mobile phone and swipes it, and the money is paid. ”
During this year's Spring Festival, Huilan decided to create opportunities for her daughter to feel more cash. "My daughter received a lot of red envelopes during the Spring Festival, and I decided to take her out to spend cash. So, Huilan and her daughter's little friend made an appointment to take the two babies to the mall to shop independently with cash to cultivate the children's financial quotient. "Seeing the creative stationery store in the mall, the children were very excited, everyone had 300 yuan in their pockets 'huge money', visited the grocery store, looked at the blind box toys, and was quickly 'persuaded to quit', and they finally realized that spending their own money would be distressed. ”
The child is "indifferent" to **
What is good to buy" brings pressure and worry to parents.
Huilan found that the "post-10" children who grew up in the era of electronic payment and lacked shopping practices have a common problem of lack of "anchoring". "When we were children, we knew that a popsicle was roughly 1 cent, two cents, and the most expensive was 5 cents. Even for a variety of erasers, ** is between a few cents and more than a dollar, and the ** of a pencil is about the same. In short, what things are sold at what price, how much money can be done, every seven or eight-year-old child used to know in his heart. But most of today's children don't have this account in their hearts. ”
In the process of taking her daughter to experience "spending cash", Hui Lan found that only one of the five or six cash registers in the mall accepted cash, and the banknotes and coins recovered by her daughter had basically not touched the real objects a few times except for the ones she had seen in math textbooks. Therefore, she had neither the ability nor the will to check whether the change number was correct or not, so she just pretended to be calm and completed the shopping process. ”
Under the guidance of Hui Lan, her daughter found that she bought a very expensive pen because she didn't see the **label clearly, and finally went to the cashier to return it, and she lost no time in telling her daughter that she could ask the cashier to sweep out ** before paying, and then decide whether to buy. "The money is not spent, and the initiative is still in your own hands. ”
Zhang Lin, the mother of a 15-year-old girl, also feels that children usually just look at whether they like something or not, and they are not sensitive to **. Zhang Lin doesn't remember much about her daughter's consumption of stationery since she went to school, but she looked through the order records of buying stationery for her daughter online last year and found that the total amount had exceeded 3,000 yuan. "Many of them cost more than 100 yuan per unit. However, for a long time, my daughter has been accustomed to the consumption model of 'what is good to buy' and 'what to give', and she can't experience the hard work of making money. ”
As a "post-80s" mother, Zhang Lin is also reviewing herself. "I am a person who lacks financial intelligence, I have not received relevant education since I was a child, my daughter was a child, I had no concept of how to cultivate her financial intelligence, often took her to the mall to buy favorite toys, stationery, you can say, 'what to buy', the result has evolved into a current spending of money, which has brought a lot of pressure to parents, and made me worry about her future. ”
Financial Experts: Cultivating Financial Intelligence in Life Scenarios Don't be afraid of your children "spending money indiscriminately".
What should I do with my money? At what age should you start raising your child's financial intelligence? Li Rong, one of the first batch of CFP international financial planners in China and general manager of Harvest Wealth Guangzhou Fifth Wealth Center, said in an interview with reporters that "financial quotient" is actually our attitude towards money, which can be defined as three concepts: wealth view, consumption view, and investment view. The concept of wealth refers to understanding what "money" is, what it does, and forming correct values for money; The concept of consumption is to develop the habit of living within your means and learn to make a budget; The "investment view" is to understand how the economy of this society works, what people use to make money, and how to make money money.
Li Rong revealed to reporters her experience in cultivating children's financial quotient: "I think that children should be able to recognize coins and banknotes at the age of 3, have the awareness of 'their own money' at the age of 6, and children between the ages of 5 and 7 should understand the difference between money and understand that money can be used for a variety of purposes; Between the ages of 7 and 11, learn to manage your money and recognise the role of saving to meet your future needs. A very important point in financial quotient education is to cultivate children's concept of 'postponing enjoyment' - postponing the satisfaction of desires in order to pursue greater returns in the future. ”
Li Rong believes that financial quotient is not cultivated in a day, and there is no need to enroll in classes to study, and many scenes in life are opportunities to cultivate children's perception of wealth and control wealth. "New Year's money is a particularly important scene, it may be the first time for children to have their own 'large wealth', parents can make full use of this opportunity to have an in-depth chat with their children about the feeling of having wealth, how to treat and deal with this wealth, and establish a correct view of wealth. Some families will teach their children to keep accounts, record which elders give New Year's money, and take out part of the funds to give back gifts to the elders, so that children can learn to be grateful; Some families will make a New Year's money plan with their children, how much money to spend, how much to save, how much to invest, etc. ”
The most important thing is to fully respect the child, let the child have the right to control the New Year's money, and don't be afraid of the child spending money indiscriminately. In fact, the experience and lessons learned from managing small money will allow him to avoid stepping into bigger pitfalls in the future. Li Rong concluded, "Whether it is consumption or investment, I will review the decisions and results with my children, why they plan it that way, what results they have obtained, and the children's gains will far exceed the face value of money." ”
Psychologist: Parents should encourage their children to learn to be grateful and generous.
New Year's money is a good education for children who are just sensible or even ignorant. Liang Hong, co-founder and senior psychologist of Guangzhou Zhuoran Psychology, said in an interview with reporters: "'Financial quotient' is not actually something we understand after we enter the society and come out to work, but we have been exposed to the concept of money since we were a child. ”
Liang Hong said that children can get New Year's money for the New Year's greetings with others, in fact, this is a driving force to promote their active interpersonal communication, parents should encourage them positively, rather than making children feel that "New Year's money is just a hand", this impression in his life growth period will become a subconscious when he really comes out to make money in the future, which is a problem that many parents are not aware of.
Liang Hong believes that the first financial quotient for children to learn is gratitude, and the second is generosity. "We should be grateful to the people who give us New Year's money, and understand that wealth is not easy to come by. After earning money, use the money to buy gifts for your family, or share some of the financial pressure on the family, or take the initiative to save the New Year's money, buy insurance, daily consumption and other arrangements to reduce the pressure on your parents. ”
*: Guangzhou**.