In the past, "lucky money" was just a symbolic gift, which entrusted the care and hope of the elders to the younger generation. Nowadays, the living standard has improved, and the "market" of lucky money has been rising all the way, which has become a lot of "wealth" income for children.
Parents can't help but worry, will children spend money at will? Will you be cheated and robbed? Will you learn badly? Do you want to collect it? In fact, instead of worrying about it, it is better to take the opportunity to cultivate children's financial management ability.
Lucky money is the first lesson for children to learn about investment and financial management. Learn a few tricks for children's lucky money financial planning, plan a big future, and cultivate children's financial quotient!
First, set up an independent bank account.
When dealing with lucky money, parents must set up a separate account for their children, deposit the lucky money into their own bank account, and give the children "control" so that parents can exercise "supervision". In this way, children realize that financial management is an indispensable part of their lives from an early age.
Establishing your own financial account can help children to establish a sense of financial responsibility and form a good habit of accumulating wealth, which is beneficial to children's family financial management after adulthood. Children don't have complete control over money. Parents should give their children some financial freedom and cultivate their interests.
Second, let children participate in family investment and financial management.
Education consumption can be described as a "special fund for children", and parents can use the lucky money for education investment. You can buy an insurance for your child and add a guarantee for his later life. Children can also participate in family investment and financial management, make suggestions for the planning and use of their lucky money, cultivate their awareness of investment and financial management, and let them learn to be "masters" from an early age.
Third, set up a small account book for children
If the number of lucky money is small, parents may wish to negotiate with their children and record the number of lucky money with a small account book for the next study expenses. Let the children manage themselves and record every expense clearly. This can not only develop good habits such as managing money, spending money and spending it where it should be spent, but also cultivate children's sense of self-reliance.
Fourth, let children learn to pay.
Participate in social welfare activities, such as disaster relief and helping children of the same age, so that children can develop the excellent quality of caring for others as much as possible from an early age; You can also buy small gifts, send blessings to your elders on holidays, and cultivate children's idea of "respecting the old and loving the young".
It is a great opportunity to cultivate children's self-care ability and financial management ability to teach children the financial plan of lucky money and help them plan and use it reasonably. Parents just take this opportunity to give their children the first lesson on the road to good investment and financial management.