Every time after the New Year, the children will hold a large sum of money in their hands——
New Year’s Money .
"Netease Digital Reading" published a survey report, Shanghai has the highest average single amount of New Year's Day money in 2021, which is as high as 1,009 yuan, which is the only "thousand yuan package" in all regions, followed by Beijing , Zhejiang and Jiangsu.
haha, I am as pragmatic as I always have in Guangdong, and I pay more attention to the meaning of the red envelopes, and I just need to know what I mean.
Who does the New Year's money belong to? Can parents spend it?
The adults are generous, and the children are happy. But here comes the question: how to deal with this money?
Honestly, have you ever said something like this to your children: New year's money will be kept by mom here, and it will be returned to you when you grow up.
Honestly, did you secretly spend the confiscated New Year's money?
On February 20th, a father in Jiangsu brought his 1.5-year-old son to the bank to deposit the new year's money. The accumulated deposit on the card was 100,000 yuan. Netizens exclaimed: I was beaten by a diaper and worked. I haven't saved so much money in 10 years.
The father said that since the child's hundred days, all the profits given by relatives and friends have been deposited in the bank for him to use as the child's education fund, to apply for interest classes and so on. Like this father, anyhow he didn't spend the child's money indiscriminately.
There are also many parents who believe that the new year’s money is not the child’s labor income, but is given by the adult, so it does not belong to the child , Should be confiscated. Since the confiscated, parents can spend whatever they want.
Who does the new year's money belong to? Can parents spend the new year's money?
This century problem, now finally has an official answer. On January 1 this year, the "Civil Code", known as the "Encyclopedia", was officially implemented. It is the master of the children's New Year's Eve.
According to the Civil Code,
persons with limited capacity for civil conduct can
Independent implementation of
Civil juristic acts that are purely profitable. There are three levels of civil juristic acts:
The first level is a person with full capacity for civil conduct, over 18 years of age;
The second level is people with limited civil capacity, over 8 years old;
The third level is people with incapacity, under 8 years old.
Let me translate it for everyone. It means:
Red envelopes are pure profit-making behaviors. If an adult gives a child, a red envelope belongs to the child ,
is the child’s money.
②8 years of age is a boundary between restricted capacity and incapacity.
Children over the age of 8 have the right to keep the New Year's money by themselves, and they can also give the New Year's money to their parents for safekeeping.
A 6-year-old kid from Qingdao sealed the drawer with tape and left a note: "No nóng tōu XX de qián (Can't steal XX's money)", vowed to protect his 6,000 new year's money.
The Civil Code also stipulates: Minors under 8 years of age are incapable of civil conduct, and their legal representatives shall perform civil legal acts on behalf of them; 8 years old The above minors areA person with limited capacity for civil conduct may independently perform civil juristic acts appropriate to his age and intelligence.
I will translate it again, which means:
Children under 8 years old are incapacitated and need to
the parents take care of the new year money.
②Parents are just keeping them on their behalf,
cannot be squandered.
③Children can use the New Year’s money to buy snacks, toys, stationery and other things that fit their age and mind, but if they want to make
high consumption, such as buying large items, games Equipment or large rewards for anchors, etc., are behaviors that do not meet age and intelligence, and
require parental consent or ratification to be effective.
To put it bluntly, as a parent in the new century, children’s New Year money can no longer be simply and rudely confiscated. The law does not allow parents to let their children let them go. Instead, they have to take on more responsibilities.
How to manage children's New Year's money?
Since parents have to take responsibility, then, how to manage this new year's money?
Children’s psychologists said that the management of new year’s money is also an opportunity for children’s "financial quotient" education and enlightenment. It is recommended to use 3 years of age as the dividing line.
Before 3 years old, the child’s new year’s money should be kept by parents. strong>;
After the age of 3, change from escrow to co-management, and gradually give children more autonomy as the children get older.
During the epidemic and staying home last year, I read a book called
"Puppy Money Money", which is a fairy tale elementary financial enlightenment for children Books, adults also benefit a lot from reading. (There is a lottery and book delivery activity at the end of the article)
One day, the little girl Giya found an injured puller Brad Retriever, save it home and name it "Qianqian". But who would have thought that "money" not only speaks, but is also a master of financial management.
It taught Gia a lot of financial management methods, what kind of money concept should be established, how to tap the first pot of gold in life, and how to make your own money a goose that can only "lay a golden egg" and many more.
The focus of is not to teach children professional economic knowledge, but to
help children establish ideas and opinions and develop good habits. These laws of acquiring wealth are in different eras and cultural backgrounds, and I think they all have reference.
How to spend the New Year's money? According to the guidance of Puppy Qianqian,
divide all the lucky money in hand into three parts, following the "541" distribution principle:
50% is used to raise "goose", everyone needs a "goose that lays golden eggs" , Save money to make money
40% is used to achieve short- and medium-term goals, put in the dream piggy bank, and train children to "delay gratification" The ability of
10% of the pocket money for daily use, this part of the money can be given regularly by the parents, and the children are free to control.
Let’s be specific.
50% of the money is used to raise a goose that will lay golden eggs.
Smart people will find a way to make money make money
If Spend as much money as you have, and no amount of money is enough to spend. Because when your income increases, you will feel that there will be more places to spend money. Therefore,
Smart people only spend the wealth they have accumulated before. We cannot kill the goose that can lay the golden eggs for us.
it is not worthwhile to deposit the money in the bank. Because the interest you get from here and the loss caused by inflation can't be offset. For example, if you can buy a piece of bread for 5 yuan now, you may only buy half a bread in a few years.
50% of the money is recommended to invest, you can try a stableFunds, if you know some financial operations and are willing to take risks, you can try to buy
My current operation is to take part of the baby’s new year money out of the fixed investment index fund every month.
40% of the money is used to achieve short- and medium-term goals,
build dream albums and dream piggy banks
in "Puppy Money" The protagonist, Giya, is 12 years old. Her dream of going to the seaside and traveling abroad has never been realized. Parents have headaches with financial issues all day long and have no time to think about other things. Therefore, Gia only dared to think about some easy-to-achieve goals, such as buying a favorite CD or the like.
At this time, Puppy Qianqian encouraged her not to be afraid or hesitate. She should write down all her wishes, and then
find the three most recent dreams in the wish list. As a key point, keep reminding myself that this is what I want to achieve most.
Puppy Qianqian gave two specific methods of operation:
Create a dream album and
Dream piggy bank.
Everyone must clearly know what he desires in his heart. After setting a certain goal, there is a way to strengthen our impression, which is to
build an album for our dreams, collect some photos related to the wishes, and paste them in it.
This is very suitable for children. Young children are illiterate, but they can understand pictures. This kind of "visual" stimulation can stimulate people’s imagination and pursue their hearts. The desire to look at these pictures every day will be full of motivation.
You can also use a small blackboard to post pictures of your child’s recent dreams and put them on the desk/ Hanging on the wall.
Of course, only dream albums are not enough. People cannot always stay in dreams, otherwise they will become blank Daydream, there must also be the capital to realize the ideal.
Qianqian’s suggestion is to prepare another
dream piggy bank and put every penny saved in it. The money in this piggy bank is specifically used to fulfill the child’s wishes, not for other purposes.
I think these two points are very good. My baby always wants to buy a toy today and wants to go there tomorrow Children's playground. After reading the book, I asked him to make a wish list every month, telling him that to realize his wish, he needs to pay from the dream piggy bank. This can cultivate children's ability to
delay gratification, so that they don’t want to think one thing is one thing, and they want to buy everything they see.
The question is, the children are still young, where does their money come from, and how do they put money in the dream piggy bank? This is about the third part of the distribution of the New Year's Eve.
10% of pocket money used for daily use
Let children freely control and enjoy a sense of control
10% is recommended as pocket money for children's daily use. Mom and Dad can set a cycle, weekly/monthly, the amount of pocket money is fixed, 10 yuan a week, 50 yuan a month.
Many parents do not approve of giving their children pocket money, worrying about their children spending money lavishly. But let me tell you from my own experience:
Children spend their parents' money sparingly. If they spend their own money, they will be more cautious.
My baby started to give pocket money at the age of 4, giving 5 yuan a week. Before giving the pocket money, he would go to the video game city to play games every month, that is, one shot for a coin, one cow, and 3 coins for a racing game. One coin is one yuan, and every time you go to the video game city, you can’t get it without spending 20 yuan. It is common to spend 50 or 100 when you play.
After giving the pocket money, I told him,
You are rich now, and in the future You have to pay for it yourself.
At first, the child was very happy, and Pidianpidian took the money to exchange coins. But after a few more times, he started to be reluctant to spendYes, because if all were used to exchange coins, he would not have the money to buy small things like biscuits, drinks and Ultraman cards. Slowly, he started to exchange only 10 coins at a time, to 5 coins later, and finally gave up the hobby of going to the video game city. (The old mother cheers, after all, it’s of little value to play these)
Have you found out that giving the child some pocket money appropriately can increase his sense of control. He will weigh up, which things are his own Most wanted.
In addition, before giving the pocket money to the child, I will
make an appointment with him for three chapters , You can only buy unhealthy foods such as French fries and cola at most once a month. Don't buy dangerous toys and do bad things. We will not interfere too much. He can spend or save the weekly pocket money, which is up to the child to decide.
Make more appointments beforehand and less interference afterwards.
Put the saved pocket money in the "dream piggy bank". If you have any wishes next time, if you have anything you want to buy, you can take it from here.
In addition, I usually
assign some challenging tasks to my children from time to time, (such as skipping rope practice to more than 120 beats per minute, or reading a level of graded readings, etc. ), if the child achieves it, I will
donate some money to his "dream piggy bank".
This approach mainly takes into account that some wishes require a large amount of money. The child's 20 yuan per month pocket money can not be realized for a long time, so I will help a little bit.
Puppy money money management "541 principle" has been shared, how do you feel?
Guidance on the cultivation of financial businessmen of different age groups
New year's money is only a carrier. The essence is to cultivate children's financial quotient by discussing with them how to save, spend, and make money. The domestic education has always been lacking. Since school education is not taught, family education should make up for it.
There is no need to be ashamed to talk about money with children. "Dreaming to be a rich man" is not a shameful dream. Many parents of children abroad encourage them to make money from a young age. In "Puppy Money Money", Gia earns pocket money by walking and training dogs for neighbors.
Money is neutral, there is no good or bad, it can make our lives better, but Gentlemen love fortune, in a proper way.
The American education website has a list detailing the economic common sense that children of different ages need to know. It is very practical. I extracted it and posted it.
Mom and dad can compare the age of their children, choose suitable content and study and discuss with them. Starting from the new year money, let the children have money awareness, good consumption habits, learn money management, and better lead Live your own life!
3-5 years old
The first thing: you need money to buy things
? Know coins and their denominations.
? Discuss with your children how to cherish free things, such as time playing with friends.
? Determine which things cost money, such as ice cream, gasoline or clothes.
Second thing: You need work to make money
? Describe your job to your child.
? When walking with the child in the neighborhood or street, explain to the child the work being done by the people you meet, such as bus drivers, police officers, etc.
? Explain to children that those who start their own businesses, such as clothing stores and restaurants, are called entrepreneurs.
? Encourage the child to imagine how she can set up a drink stand or sell desserts to make money.
The third thing: You may have to wait to get what you want
? Let your child understand that you should wait in line when swinging, and the holiday she is looking forward to is also The same needs to be waited-sometimes we have to wait to get what we want.
? Prepare three piggy banks and labels, one for saving, one for consumption, and one for sharing.
? Ask the child to deposit part of the money in a piggy bank. When they have enough money, they can buy a toy for themselves, or use the money to entertain the children.
Fourth thing: there is a difference between what you want and what you need
? When going out shopping, list the necessities, such as food and clothing, and Listen to what the child wants and what is available or not.
? Talk about how your family decides what to buy and what not to buy. What is more important, cookies or fresh fruit? Drink or milk?
? List your expenses on food, rent or room fees, clothes, etc. in a pie chart, and then list the "things you can buy or not", so that your children understand: we Only a certain amount of money can be spent.
6-10 years old
The fifth thing: how to spend your money , Make your own choice
? Involve your child in some of your small decisions, such as in a grocery store, and explain why you chose this product instead of the other.
? Give the child two dollars and let her choose which fruit to buy.
? Ask yourself when shopping with children: Do I need this thing? Can I buy it? Can I buy cheaper elsewhere?
Sixth thing: It’s a good habit to shop around before buying things
? When buying toys, compare prices with your children in different online and physical stores.
? Use coupons and discount cards, and tell your child how much money can be saved.
? If she cuts or prints coupons for you, consider giving her the money saved.
Seventh thing: Putting personal information on the Internet to share with others can be a costly and dangerous behavior
? Know the websites your children will frequently visit.
? Decide which websites are suitable and use parental control software to block any inappropriate websites.
? Establish rules: children are not allowed to disclose any personal information online, including birthdays, addresses, phone numbers, schools, etc.
? You cannot buy anything online without parental permission.
Eighth thing: Deposit your money in a savings account, which is safe and reliable, and you can receive interest
? Visit the nearby bank with your kids.
? Ask about the interest rate of the savings account.
? Work with the child to calculate how much money is deposited in her account. If the bank fails, how much money she can get.
? Open a savings account for your child.
11-13 years old
The ninth thing: you get every dollar, Should save at least a dime
? Encourage your child to save 10% of each bill and get used to it.
? Let him set a goal when he wants something, and then make money to buy it himself.
? Develop the habit of frugality, go to the bank together two or three times a year, deposit the money saved in his account, and then calculate how impressive this amount is.
? Cooperate with the child's saving behavior: for every dollar he saves, you pay him 25 cents.
Tenth thing: Entering personal information online, such as bank account and credit card number, must guard against risks, because it may be stolen by others
? Discuss inputting online The danger of personal information.
? Explain that hackers may use social security numbers or other personal information to open credit cards or forge documents.
? Explain that some "free" online services will swindle you money unknowingly.
? Make rules: Don’t reply to unfamiliar emails, and don’t click on pop-up ads.
The eleventh thing: the sooner you save money, the faster your money will increase in value
? Tell your children the principle of compound interest.
? Tell the child that if he saves $100 a year from the age of 14, assuming an annual income of 5%, he will have $23,000 by the age of 65.
? Learn to calculate compound interest with a network calculator by yourself.
? Discuss what he must give up in order to save a certain amount of money and whether it is worth it.
The twelfth thing: Using a credit card is like a loan. If you don’t pay the bill in full every month, you will have to pay interest, so you will eventually have to pay more than you originally spent
? Discuss why you shouldn’t use a credit card to purchase your cash Things you can't afford.
? Check the credit card bill online with your child and compare interest.
? Use an online calculator to calculate and see how long it will take to repay the $1,000 credit card debt.
? Discuss that if it is used for online payment or just as a convenience, credit cards will be very useful.
14-18 years old
The thirteenth thing: when to prepare When choosing a university, first compare the tuition and expenses of each school.
? Point out that the income of university graduates is almost twice that of those who have never attended a university.
? Discuss how much you can pay for your child’s tuition and living expenses.
? Compare each university’s fees, graduation rate, loan default rate, average monthly repayment and employment prospects.
? Know which universities parents are not willing to buy.
? Estimate the government subsidies you can get.
? Research scholarships, grants and other aspects, and calculate the actual loan you need to repay each month.
Fourteenth thing: Avoid using a credit card to buy things you can't afford with cash
? Fill out the income and expenditure budget with your child.
? Discuss why planned savings and spending can help him avoid using a credit card.
? Know this rule: Once you use a credit card, you must repay the full monthly amount; otherwise, you will pay high interest.
? Use the online credit card repayment calculator to calculate the minimum monthly payment and how long it will take to repay the $1,000 credit card debt.
Fifteenth thing: Your first salary may be less than you think, because you have to pay taxes
? Discuss the difference between pre-tax and after-tax wages.
? Explain that the tax rate depends on how much money you earn.
? Discuss the whereabouts of taxes paid, including schools, road maintenance, and medical assistance for the elderly.
? Once your child has a stable job, help him develop an automatic savings plan so that at least 10% of his income can go directly to his savings account.
over 18 years old
Seventeenth thing: only if you You can only use a credit card when you have money to pay off the debt.
? Your credit card late payment record may affect your parents’ creditworthiness.
? Credit card bills can affect your credit history and employment opportunities.
? Get annual credit reports from relevant websites every year.
? Choose a low-interest credit card with no annual fee.
? Learn more credit card usage rules.
Eighteenth thing: Do you need a medical insurance
? Compare different insurances like any other product.
? Learn about the country’s corresponding insurance policies.
The nineteenth thing: For emergency, you have to save at least 3 months of living expenses. This is important
? List your daily expenses (rent, bills, food) and see how much your monthly expenses are; this will help you estimate how much money you have to save for three months Expenses.
? Store your money in a safe place, such as the Federal Insurance Bank or Credit Union.
? If you can, try to save 6-9 months of living expenses instead of just three months.
? Don’t stop building your emergency fund, try to automatically transfer 10% of your incomeSavings.
The twentieth thing: When investing, consider the risks and annual handling fees
? You can start investing when you have some income.
? Putting all your eggs in one basket is a risky investment method. You can consider different investment products: stocks, bonds, and cash.
? Consider index funds with relatively low annual fees.
? Consider your goal: further education? Buying a house within 10 years? Buy a car in 5 years? Determine two long-term financial goals, and then plan how to achieve them.
Teaching children to spend money is a college question. Parents need to keep as little traces as possible on the surface, but they need to spend a lot of attention behind them to observe and think.
I have always believed that a good education prepares life. As parents, we all want our children to be happy. If we think about the qualities and abilities that a person needs to live a happy life, we know how to educate our children.
This Spring Festival, how do you plan to use the lucky money your child receives? Let's share it together!
Xiaoyou will select from the message area
Give a set of "Puppy "Qian Qian" book
, the deadline is: 2021-3-1, the winning partners will reply to the announcement in the message area, look forward to your messages.
If today’s article is inspiring for you
Teach your kids how to manage money starting with "New Year Money"