Original link: http://mednoter.com/unexpected-money.html
Mumu’s main source of income is doing housework. After dinner, she spends 2 yuan to clean dishes and 1 yuan to throw garbage. If she works hard, she earns 50 yuan a week, and saves enough money to buy her favorite toys. The toys he bought at his own expense were private property, and I didn’t interfere with giving them to friends or throwing them away.
Labor earns income, saves, consumes, not on credit. The financial system is stable, but sometimes it suffers major shocks.
Every time I go back to the elders, the elders will hold Mu Mu in their hands and give a thousand yuan when they meet. On birthdays, relatives and friends will also give 200 yuan of lucky money. Working hard on weekdays, he only earns 200 a month. Now he can make countless fortunes by returning to his hometown. It is natural that he wants to sit and eat.
what should we do?
deprivation
The most rude way is to deprive him of this part of the windfall income, and frankly speaking, this part of the money is still the expenses of the exchange, and it does not belong to the children. When others give you red envelopes, we also want to give red envelopes to their children, so the red envelopes and the lucky money belong to the parents to maintain this kind of gift exchange.
This makes the child question the authority of the parents.
I am 36 years old this year, and I still vividly remember the way my parents used my routine when I was young. Every time I take the top three in the test, my grandma will reward me with 200 yuan [^ I do not encourage this, material rewards will make the child lose motivation]; my grandparents gave me 20 yuan for the New Year’s Eve, which was taken away by my mother , said to save it for me, I have never seen its shadow again.
into his own bank card
Later, after discussing with my wife, I simply deposited it into my son’s bank card, but the minor’s bank account cannot purchase regular financial products. I have a lot of idle bank accounts, so I just took out one that I don’t use often and gave it to my son to use as his savings account. All future unexpected income will be deposited into this account.
- This account belongs to the son.
- The money in the account belongs to my son’s private property, and my wife and I will not embezzle it.
- Directly buy R2-level regular financial products for more than 3 years.
- Cannot spend before the age of 18.
This approach has several benefits:
- Make it clear that the money belongs to the children, and give Mu Mu a reassurance that he will not feel that his parents are manipulating him.
- Let him keep working. Without labor, there will be no income, and there will be no toys. This is the operating law of society.
- Familiarize yourself with the denominations of various currencies, which is also the learning content of first grade mathematics.
- He knows that he is rich, but he doesn’t spend money indiscriminately, and he feels “very restrained”.
- No matter how much windfall there is, it will not impact the family financial order.
- It hurts to spend his own money, and he will go to Pinduoduo to buy cheap goods.
- After the age of 18, the mind has matured a little and I believe he can make more informed decisions.
My wife and I also have a very strict definition of reward for labor.
There is no salary for the things that are within the share, such as getting up on time, organizing the school bag, completing the homework, and tidying up my closet.
You will only get paid if you do housework for the whole family , such as throwing garbage, clearing dishes after meals, and drying clothes for parents. And discuss the salary in advance to prevent him from doing a lot of housework, just to reward money for credit.
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