If you haven’t figured it out yet, or if you don’t know how to deal with your children’s New Year’s money , you must read today’s article. It talks about a mother’s real experience of letting her child manage money , which is worthy of reference and reference.
Some of the views in the article are very inspiring, such as:
- The lack of money in childhood will more or less become a shadow of inferiority or anxiety in the child’s heart;
- As long as the money really belongs to them, the children will know what they are, and they will not waste their money randomly;
- Money is limited; to spend money, we must first meet the basic needs of life, and then consider the part of “want”;
- The most wonderful use of money as a tool is to pass on love and make life better.
丨
This article is transferred from Rice Cake Mom Growth Camp
ID: ngmmjy, authorized
The annual torture is about to be in front of us again: What are you going to do with the “huge sum” of children’s New Year’s money? Many parents will say: “Why does the child need money?” “Let’s save for him first.”
It is better to open an account for the child to save the money, or let him pay the tuition.
No matter what, children have almost no free control over the New Year’s money.
I was quite resentful about this when I was a child, because all my lucky money was used to pay tuition.
Later, when I was in school, I read about Sanmao, and found that across mountains and rivers, there was also a little girl with the same illness as me——
Sanmao’s New Year’s money when he was a child was also put under the pillow for a good night’s sleep during the New Year, and then handed in as education expenses.
She said: “My parents are also sensible, but they forgot that I also need money. Even though I am a child and have no worries about food and clothing at home, I still hope to have a few copper coins ringing in my pocket when I walk.”
These words seemed to come out of my heart that had been nestled for more than ten years.
Who said that children don’t need money, don’t need to spend money?
Because she was eager for candy paper and pictures, Sanmao took 5 yuan from her mother. But after stealing the money, “the five yuan in my pocket is like hot short ribs in soup, burning my legs all the time” did not make her happy; I bought two candies, but I was worried about the nervousness of being discovered by my parents, which also made the taste of candies not as sweet as imagined.
Sanmao, who has no pocket money, is a little girl who has a little vanity for having many rubber bands and glass candy wrappers; while I, who has no pocket money, envy the girl who “I have a few dollars, so I can buy snacks” A sense of control.
The lack of money in childhood will more or less become a shadow of inferiority or anxiety in the child’s mind.
In fact, money is the most wonderful and mysterious part of life. All children in the world have the same curiosity and desire for it.
Just like my baby, this year has clearly exploded a great enthusiasm for “money”: in the drawer of his bedroom, there are all kinds of shiny coins, “ingots”, and “gemstones” he picked up. Got my earrings and necklace.
I was so scared that I quickly bought a huge (but very cheap) crystal from a certain treasure to give him, and the jewelry box escaped the disaster.
Spending money brings more than just counting
Gain enough control
After counting, when the child is 5 years old, the concept of money begins to sprout, and it is really time to make friends with money.
But now it is much more difficult to teach children to know money than before – there are developed electronic payments everywhere, and he will call “Mom, show the payment code” after buying something; Orders will be delivered to your door soon.
How much is something worth? What happened to spending money and changing money? These things we understood when we were young when we helped adults make soy sauce, but now children have too few opportunities to recognize them.
During the Spring Festival that year, we went to New Zealand. There are few people there, the service staff are patient, and cash is still one of the most important payment methods. No matter how you look at it, it is a good opportunity for children to intuitively experience “what is money”.
So as soon as the plane landed, we gave the child a money bag with 200 New Zealand dollars in it, and we would replenish it after spending it.
We told him that the financial power of this trip will be handed over to him~
Needless to say, the child’s performance was very good throughout the journey.
He understood almost everything about money in those few days.
When he first got the money, he was busy “knowing” the money. The numbers on the banknotes were simple, but the “50, 20” on the coins still took a little effort.
Knowing the money, we started to let him try to pay from a few yuan, 10 yuan, and 20 yuan.
At the beginning, before every payment, Nian Gao would ask me “Is it 10 now?” “Is 20 enough for me?”
Slowly, he also contracted large payments. Once I had to pay 120 New Zealand dollars, the child carefully took out 50 New Zealand dollars one by one, counted three and handed them to the cashier, and waited patiently for the change. The number of each piece was clear, and I confirmed with my mother Whether the money was found right, I carefully put it back into the purse, and then left with peace of mind.
This small process can hide the addition of three 50s, which is bigger than 120, and calculate the price difference between 150 and 120. These are challenging and fresh problems for a 5-year-old child.
No matter how many math problems he does, it is not as direct as this, which makes him more confident.
More importantly, the child gets the best sense of control from the process of paying ; with enough control, he will develop a strong sense of responsibility.
Give the child a money bag and a sense of responsibility, this journey is really easy to take~
With these foreshadowing, I am more confident to let him play something “big”.
Later during the Chinese New Year, I took out 1,000 yuan from his lucky money and told him: You can decide how to spend the money yourself.
Many parents are worried: Will a 5-year-old child spend a lot of money when he has a “huge sum” all of a sudden?
Actually no!
Regarding the 1,000 yuan that can be freely controlled, the child was extremely happy and cautious. He counted carefully several times before hiding it in the “treasure drawer”.
In order to manage money well, he has become sensitive to numbers and prices , and often asks how much it is and whether it is expensive.
One time when he was shopping, he fell in love with a set of more than 500 Lego, so I asked him: You can buy 5 out of 10 100 pieces, would you like it?
The child thought about it and shook his head: I don’t want to.
You see, as long as the money really belongs to them, children will know what to do, and they will not spend their money indiscriminately.
This kind of “treatment” that gives children money and wants everything they see when they go out, is effective in personal tests.
The windfall after the child will spend the money
Of course, from my point of view, giving money to a child is to hope that he will learn to “spend it correctly” rather than “save it and not spend it”. So I will also encourage him to spend money.
We were reading his encyclopedia together before, and he asked the question “what are the types of white blood cells and what do they look like”, but we didn’t find it in the existing books.
Once we searched for an encyclopedia of DK’s human body, and found that all the questions he wanted to know were covered in this book, but there was a problem – this book cost one hundred yuan.
He immediately asked me: “Mom, can you give me this book?”
I said: “Your birthday or special day, my mother will give you a gift, but I can’t give it to you now, you have to wait until your birthday. You have money yourself, if you are willing to take out 1 of your 10 bills Zhang went to buy a new book, then you can receive it tomorrow.”
He thought about it, went to the drawer and took a hundred yuan for me. When he received the book the next day, he happily said, “I bought it with my own money.”
Moreover, I have an unexpected “harvest” recently.
One day he told me that his shoes were a little tight and he wanted new ones.
In the shopping mall, he found a pair of shoes he liked, priced at 499, and he had the familiar feeling that half of his 10 100 tickets would go out.
The child sighed from the bottom of his heart: “It’s so expensive!”
I was amused at once and told him: shoes are needed every day in life, and your shoes are indeed too small. Mom bought these shoes for you, but you picked them yourself and you like them, so you should take good care of them.
In fact, according to my principles, his 1,000 yuan is only for books and toys that are needed extra; I should be responsible for the basic necessities of life.
But it is also a good by-product to let children know what is needed in life, what is fettered by desire, and how to cherish it. 
You see, it is really a good thing to give children the opportunity to spend money.
It allows children to truly feel:
- money is limited;
- When spending money, you must first meet the basic needs of life, and then consider the part you “want”;
- What does money mean in our life?
So after returning from New Zealand, we made it a habit to carry cash with us. Whenever possible, pay in cash whenever possible and involve your child.
Among all the “spending money” processes, the one that touched me the most was this: in New Zealand, he wanted to buy a gift for his favorite little girl—a lamb souvenir.
We asked him if he would like to spend his own money on this gift.
He agreed without hesitation.
The old mother is really gratified: think about the time when I secretly bought snacks, and became sensitive and inferior to money in the midst of anxiety and entanglement; look at the current baby, who can openly let money play its true value- money is the best tool Isn’t the usefulness of life just to deliver love and make life better? 
The source of the article丨Niangao Mama Growth Camp, ID: ngmmjy, the official education platform of Niangao Mama, focuses on the common growth of parents and children. Discuss the kindergarten education, character development, and intellectual development that you care about. Follow me and seize the golden development period of your child.
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