Growing up, we have all experienced such a "world puzzle": Where did my New Year's money go?
Now, with the increase of income level, the children's New Year's money has also risen, ranging from a few thousand yuan to tens of thousands of yuan.
According to a "National New Year's Money** Map", Fujian, Zhejiang, and Beijing have become the regions with the highest levels of New Year's money expenditure.
Some children's New Year's money is even equal to an adult's income for several months, which is a happy thing, but how to deal with this large amount of New Year's money has caused many parents a headache.
If you let the child keep it by himself, he is worried that the child's self-control ability is weak, and he is afraid that he will develop bad consumption habits from an early age;
Help the child keep it, that is, "the mother will help you save the New Year's money." "When I was a child, I often heard such words, but as a result, we all know that if we save it, we don't know that it will go to **.
In fact, today's children are very smart, and everyone knows that parents help save money for the New Year, which is the biggest **, which is not conducive to cultivating children's independent character.
So, how to spend that valuable money, which is not only beneficial to the children, but also to the parents' peace of mind?
How to manage this money more "scientific"?
After asking around, I found that the big guys are really "each with their own strange tricks":
Some parents will educate their children to delay gratification.
At the moment, I will first fulfill the child's wishes, buy toys and school supplies, and promise that the child will use the money to go out on an outing after half a year.
Some parents will also take this opportunity to cultivate their children's financial intelligence.
Help your child open a separate bank account, take this opportunity, teach your child to save money and teach your child how to calculate interest.
How to manage this money more "scientificly"?
This has to be mentioned"541 Principle".
To put it simply, to manage a fund, it can be divided into 3 parts and managed according to the "541 principle":
50% is used for long-term value-added, which is equivalent to raising a "golden goose" for children in advance;
40% will be used to achieve the foreseeable tourism, education and other goals in the next 3-5 years to reduce the pressure on future funds;
10% is used for daily expenses, which is immediately satisfied and improves the happiness index of the family.
The key here is,Let children understand the relationship between money and time
There are both short-term consumption and long-term capital planning in the future, corresponding to different time cycles, and funds can be put in different places to increase value.
10%, the money that needs to be used on a daily basis, needs to be flexibly deposited and withdrawn.
Nowadays, many platforms can also set up parent-child accounts, and each expenditure is synchronized in real time, and the excess cannot be swiped.
Set a limit for your child's pocket money every month so that your child can control his or her own expenses each month.
40%, the money to be used in the short and medium term, suitable for fixed deposit and withdrawal products.
It can be used to plan family outings, or to pay for your child's next stage of education.
This money is not in a hurry, and we can sacrifice a little flexibility in exchange for a higher return than flexible funds.
50%, long-term value-added money, set aside a sum every year to contribute to the child's future.
What needs to be ensured is "transparency" for children's New Year's money, and this money is visible.
often show your child the fund account, and also indirectly tell your child: Parents really help you manage your money
It not only keeps the basic integrity, but also allows children to feel the charm of "money makes money".
Under this premise, the ** with more retracement is not suitable, and it is easy to "green to the end" if you are not careful.
There are also two uses and ideas that can be considered for this money added to the value.
1. Deposit education funds in advance.
In the future, the cost of children's junior high school, college, and further study abroad will add up to three or five hundred thousand expenses, especially in first-tier cities, if you don't plan in advance, it is still very stressful to spend a large amount of money at once.
It just so happens that 50% of the money is now used for value-added, which can be used to plan education funds for children in advance.
We can choose safe, stable, and value-added insurance products, such as education annuity, increased whole life, participating insurance, etc.
The policy benefits are written directly into the contract, and you can choose to take out the money when the child goes to school, which is equivalent to a "small family treasury".
2. Maintain family wealth.
As the head of the family, you have to take the risks into account for the children in advance.
For ordinary families, the biggest fear is serious illness. If there is something wrong with the child, the whole family will be affected.
In addition to the large expenses for medical treatment, there are also the cost of lost work for parents to take care of their children, and the cost of a long time in the future.
At this time, children's critical illness insurance, which is only a few hundred yuan a year, is helping the whole family to make a wealth cover.
We don't need to divert savings, sell houses and cars to exchange for liquidity, and we can properly deal with the big problem of children's illness.
At this time, it is also an "innovative" choice to use the child's New Year's money to buy a critical illness insurance for the child's health protection.
The significance of buying insurance with New Year's money1. Cultivate children's risk awareness.
Make children aware of the risks that exist in their lives and:Learn to face and spread risk。Not only will this help children better understand the fundamentals of insurance, but also:Develop their risk awareness and risk management skills.
2. Cultivate children's sense of responsibility.
Involve your child in the choice and decision-making of insurance, and make them aware that they are part of the familyYour actions and decisions affect the whole family。In this way, children can develop a sense of responsibility and family values, so that they can learn to care and love their families.
3. Cultivate children's financial management concepts.
Buy insurance by using the New Year's money to let the childLearn about the importance of investing and managing your money。Parents can guide their children to understand the benefits and coverage of insurance products, so that they can learn to evaluate risks and returns, so as to develop their financial management concepts and decision-making skills.
How do I guide my child to buy insurance? 1. Understand the basic knowledge of insurance.
Before guiding their children to buy insurance, parents need to understand the basic knowledge of insurance, such as the type of insurance, coverage and claim process.
2. Assess your family's insurance needs.
Choose the right insurance product based on factors such as the age, occupation, and health status of your family members. At the same time, it is also necessary to take into account the family's financial situation and budget, and plan the insurance cost reasonably.
3. Guide children to participate in decision-making.
For example, research insurance products together, discuss coverage and claim procedures, etc.
4. Emphasize the importance of insurance awareness.
Let children realize the role of insurance in risk protection for families, and at the same time, educate children to look at investment and financial management rationally, and not to take risks blindly for high returns.
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