origin: Qianjiang Evening News (Hangzhou)
these two days, a lot of enthusiastic netizens are busy giving children the biggest scam in the history of science, that is, "my parents help you to save the red bag first", the result, you understand...
after the Spring Festival, children will definitely receive many lucky money. As parents, how to deal with the wealth that belongs to their children? Before this, the money newspaper education public number specially made a survey, the result shows that the final whereabouts of the money is three kinds: one is worried that the child is too small to spend money, so help save; two is not to see the red packet is a child, the red packet sent out is the adult, so the three is the management of the parents. For children's daily expenses, including the purchase of school supplies, tuition fees and so on.
in a word, parents are not sure to give their lucky money to their children.
, however, fans "Moon" in the background message, using her and son's story to tell the story, there is a better way to deal with children's lucky money.
"the moon" son Tong Tong from the first grade began to take care of his own "property", only in the past less than two years, the miracle appeared, Tong Tong went out no longer buy snacks and small toys, consumption also learned to have a plan. He even bought a birthday cake for his mother with his own money. He invited her grandmother to see the movie. He also gave her grandmother a 200 yuan of red bag when he was in the new year.
a "financial agreement"
change all
interview, mom attributed the change to the following "financial agreement":
first, from the first grade, Tong Tong can get 10 yuan per week pocket money. When
year-end settlement, the mother will double interest payments on the existing deposits, the higher the interest, the higher the interest. For example, in December 31st last year, Tong Tong's balance of pocket money was 430 yuan, double interest payments, that is, the interest paid at 860 yuan, equivalent to the deposit reward. "This is very exciting for the children's financial awareness, children are easy to spend money, but in order to double the reward, he will try to save the money, the motivation to save more."
Tong Tong has four "gift fees" for a year. They are summer vacation (100 yuan), children's Day (50 yuan), birthday (100 yuan) and Chinese New Year (100 yuan). No gifts or gifts that are purchased can be discounted without the specified amount, but if they exceed the amount, they must pay their own bills.
in addition to daily necessities such as daily necessities, food and clothing, stationery and so on, the material and entertainment expenses beyond reasonable limits are all taken care of by themselves. For example, he wants to play video games in the shopping mall, on the Internet Movie at home, to forget the red scarf, and to buy the small Huang Maoxu at the school gate, and he must pay his own money.
lucky money usually exists in banks for rainy days. For example, when a family goes out for a trip, it will withdraw some of its own expenses. This year's new year, Tong Tong's red envelope for grandpa and grandma is also spent from here.
Why do you want to draw up a deal like this?
, when Tong Tong went to kindergarten, he spent most of his time with the elderly. Every time you go out, you always have to buy small toys and snacks. "For a long time, I have developed the habit of seeing things that I like. Those 5 pieces of 10 pieces of toys, each time he went to the toy store to turn around, he had to take one or two home. Mother said.
see such a small baby "big hand" spending money, the whole family feels that it is not a way to go, so it is to use this method to cultivate their rational consumption concept.