from Moonlight family to "smart ghost"
little bookkeeper's two children's books
"financial agreement" just started, Tong Tong is the "Moonlight family", after school ice cream, potato chips in various kinds Buying and buying is the same as the salary of an adult. "Later he discovered that impulse is the devil, and slowly began to learn to save money, and the more deposits, the more reluctant to spend money. In fact, children consume the same mentality as adults.
to cooperate with the implementation of the "financial agreement", mother also gave Tong Tong a child account book, every daily expenditure and income should be noted. Because Tongtong's parents are engaged in financial work, usually at home also has the habit of keeping accounts.
Tong Tong has two children's books in all: one is to record the cost of the money, the usual money and books are locked in a small iron box, and the key is the only place he knows. This time, because the money reporter interviewed, Tong Tong found the key and showed the content in the small iron box. Another is responsible for recording the large amount of red envelopes, that is, lucky money, usually in the bank. In each of the two books, every deposit and expenditure is clear.
through the books, Tong knows how every money is spent, with the great temptation of mother's year-end doubling and interest, and now everything is fine.
mom noticed that when Tong Tong and his classmates bought things, others could see their favorite toys and ask for parental consent before they could buy them. And tong can judge that this toy is not worth buying. Sometimes he would pick up something and look at the price in the shop, and feel it was not worthwhile to put it back.
"we will give advice when he consumes, but the decision is in him, and the consequences will be borne by himself." Because he spends his own money, he will think twice now even if he likes something. " Mother said.
not only does not spend money in a random way, but also saves money. This is another financial concept formed by Tong Tong.
last year, Tong and her mother went to see her grandmother, a new movie theater in the neighborhood, and her mother proposed to take her grandmother to see a movie. Tong Tong agreed, and then bought a group purchase ticket on the Internet, only 9.9 yuan. However, when his mother asked him if he wanted to ask his mother to read it, he hesitated for a while and refused.
"he probably wants to save the province." Mother said.
Tongtong knows money saving, but it is not a stingy ghosts. This generous place is also very generous. Besides asking grandpa and grandma to see a movie, last year, mom bought a cake with his own pocket money. This new year, he took the initiative to give his grandparents a 200 yuan red envelope.
mom has a plan. If Tong Tong agrees to take risks in the future, he will encourage him to buy some financial products. Of course, the most important thing is that he is interested in himself. She believes that it is a good thing to cultivate children's rational consumption outlook in advance.