The 4-year-old son asked his mother to issue an IOU because he was afraid that his mother would pocket the new year\’s money.

It is a custom during the traditional Chinese Spring Festival to write IOUs written by children to give them lucky money. It is also the happiest time for children, because after the Spring Festival, they become \”nouveau riche\”. However, it may also be accompanied by \”searching\” by parents. This Spring Festival, how do you handle your children’s New Year’s money? Yesterday, netizen \”Xiao Xiaocao\” posted a post about New Year\’s money on the 19th Floor website, which aroused heated discussions among many netizens. \”This little guy manages his own red envelopes well, and some of his elders transferred money to him through WeChat. Because he didn\’t have real-name verification on WeChat, he transferred it to me and asked me to withdraw cash to him. Today I don\’t have any cash, so he actually asked I wrote the IOU and then put the \’IOU\’ in my safe.\” Netizen \”Xiao Xiaocao\” said on the Internet: \”This is an interesting story about my child that my colleague Sister Luo posted in WeChat Moments. The children manage their New Year\’s money very tightly. Because a lot of New Year\’s money is given out in the form of WeChat red envelopes, the children Withdrawing cash through my mother, my mother had no cash, so she was asked by her children to write an \’IOU\’, which made everyone laugh to death. \”Later, my colleague Sister Luo signed the \’IOU\’ very cooperatively. Haha, I have to say that children’s ‘money awareness’, ‘risk awareness’ and ‘rights awareness’ have greatly improved, and I think this is a good thing. \”Xiaoxiaocao\” also posted a picture. It is Sister Luo\’s child holding a pencil tightly and writing seriously on a piece of practice paper, ×× owes ×× 1,500 yuan. The signature is Party A ××× , Party B ×××. There are also various online comments – netizen \”aikodang\”: Haha, the pencil writing will be worn away, you are a villain. Netizen \”E1122345455\”: I wish I had half of his (New Year\’s money) when I was a child , think about the New Year\’s money that was swallowed up in those years, how many people were taken away by the reason of \”Mom will keep it for you\” before they could warm themselves up. Netizen \”Sheng\”: The children\’s New Year\’s money got a separate card and saved it all When he grows up, he can use it by himself. Netizen \”19th Floor I Love My Family\”: When I was a child, the New Year\’s money was used to pay tuition. At present, my daughter\’s New Year\’s money is temporarily kept by me. Netizen \”Xiaoxiao Luomu 123\”: I will not swallow up my child\’s New Year\’s money. I have always kept my son\’s New Year\’s money for him. Some netizens do not agree with this behavior of children. Netizen \”shirleyqqq\” said, \”Then let him write an IOU for all the child support and watch him go to college.\” How much do you owe after graduation! \”Xiao Xiaocao\”, whose surname is Zhang, has a child in fourth grade. Yesterday we contacted Mr. Zhang, and he said that when he saw his colleagues\’ WeChat Moments, everyone thought it was fun, so they posted it online. \”I remember that when we were young, our New Year\’s money only amounted to Dozens of dollars, all given to parents. Our children\’s New Year\’s money of more than 1,000 yuan this year was also given to us. If they need the money, they will ask us for it. \”How much New Year\’s money do children have now? How much New Year\’s money can children get during the Spring Festival? Yesterday, Express reporters conducted a small survey on New Year\’s money among more than 70 parents. The children involved were mainly in primary school, and some were in kindergarten. According to the data submitted by parents, 20 children’s New Year’s money exceeds 10,000 yuan. Most primary school students’ New Year’s money is around 5,000 yuan. Grandpa, grandmaGrandma, grandpa and grandma are the main sources from which children get lucky money. Ms. Chen works in a state-owned enterprise. Her son is now 4 years old. During the Chinese New Year this year, his son received a red envelope of more than 10,000 yuan. Ms. Chen said: \”We spent all the money and paid the mortgage every month, so the expenses were relatively large. My son had no idea about the new year\’s money. When he took it, he just grabbed it in his hand and turned around and threw it away.\” Ms. Liang My son is 3 years old this year and his New Year’s money is about 10,000 yuan. \”Mainly from grandparents and grandparents. We have discussed the New Year\’s money from other relatives and will not give it to each other. The New Year\’s money is actually a kind of favor that you come and go with.\” Ms. Liang said: \”We collect all the money. Get up, the child is so young, and we won’t listen to his opinions. Let’s talk about cultivating financial management concepts when he grows up. We bought Hong Kong insurance products for our children, and the money is going to be used to pay insurance premiums.” Ms. Tao’s My daughter is 5 years old and received a red envelope worth more than 7,000 yuan this year. \”My grandparents gave me more, five thousand yuan, and my grandparents gave me two thousand yuan. There were also some other relatives, and each family gave me two hundred yuan. My husband also gave red envelopes to my grandparents on New Year\’s Eve. The general standard is that both parties have their own money.\” We left one thousand because we felt embarrassed to take the elders’ money. The children didn’t have any objections to our approach and happily gave the red envelopes to their elders.” Most of the children’s New Year’s money was taken away by their parents. During the survey, we found that for Children of different ages handle New Year\’s money in completely different ways. Children in kindergarten have no feeling about the new year\’s money. It is basically handled by their parents, that is, they take it away. It can be said that they have no \”financial power\” at all. Children who have entered elementary school have some preliminary concepts about money, and some have begun to fight for the right to handle the new year\’s money, but basically they have failed. Most children\’s New Year\’s money was taken away by their parents because the amount was relatively large. A parent of a second-grade child said that his child received 2,500 yuan in new year\’s money this year. With the child\’s efforts, the parents saved 2,000 yuan of the new year\’s money and used 500 yuan as the child\’s pocket money in 2017. The child kept it by himself and recorded it in a book. , and finally make a pocket money usage report at the end of the year. A fourth-grade child received 6,000 yuan in lucky money. He wanted to manage it by himself, but his parents directly rejected his idea. The parents\’ reason is that it is not safe to keep so much money around, but it is safer to deposit it in the bank and it can earn interest, so the children agree to deposit it in the bank. A father said: \”My child is in fifth grade. He received 9,000 yuan as a gift this year. He plans to save the money in the bank, make donations, and pay tuition fees. The child said he also wanted to donate some to those in need. We are very supportive. He also He said he wanted to save some money for himself to go to college in the future.\” A third-grade child received 4,300 yuan in lucky money. The parent said: \”The child wants to buy some financial products to increase the value of his assets. We are also happy to cultivate the concept of financial management in the children.\” Mr. Xu is a middle-level manager of Ningbo Bank, and his son is now in the third grade of elementary school. \”This Chinese New Year, my child has 5,500 yuan as a gift. We first save the 5,000 yuan for the child and tell him to study hard. This will be his education fund after he goes to college.I can pay my own college tuition. The remaining 500 yuan is used as his pocket money. If he wants to use the money, he can apply to his mother and explain the purpose, and then he can get the pocket money. I don’t want to give money too readily. People say that my son should be raised poor. I want my children to know how to save money and that nothing in the world can be obtained casually. \” After giving the New Year\’s money to their children, the children will be more careful about their New Year\’s money. Parents are very strict with their children\’s New Year\’s money, but children who have some \”financial power\” also have good ways to deal with their own New Year\’s money. A grandmother said: \”When you get the New Year\’s money, At home, I was very happy to say that I would give out red envelopes to the adults, 200 yuan to my parents, 200 yuan to my grandparents… I also had to pay for my own interest classes. After dividing the money around, I found that I had no money left. I started crying and was so distraught! \”Mr. Tong said that his son is in primary school this year and has 5,000 yuan as a gift this year. In order to give the child a sense of wealth, he took the child to the bank to open an account a few days ago. \”The child was very happy when he got the bank card and put it in his mouth. He took it out from the bag and looked at it repeatedly. Later, we teased him to swipe his card to buy some food. The child immediately objected, saying that the new year\’s money should not be wasted carelessly and must be used sparingly. I didn’t expect that after giving the money to the child, he would be more careful with the money…\” A parent gave his daughter 1,000 yuan of new year\’s money for safekeeping this year. The daughter took the initiative and said that she was going to buy school supplies and big things, more than 100 yuan. We will discuss it with the parents. One mother said that we let her son keep his annual New Year\’s money, red envelopes given by elders on birthdays, etc., and he pays for many interest classes by himself. Now when I go to the mall and see a toy, my son He will also be very cautious and will consider whether it is necessary to buy it. Once he buys a toy, he will also cherish it. When the elders in the family celebrate their birthdays, the children will use the saved money to buy some gifts, which is heart-warming. One parent said: “When I was young, I had very little pocket money, so now I have developed bad habits. I spend all the money I have, and I don’t know how to live within my means. I plan to use my children to manage the new year\’s money and learn a lesson in financial management. \”Parents can often look at their children\’s account books and tell them how the family\’s money is spent. This is a popular saying nowadays. How to operate it in life? Li Ya, a personal financial product manager at a bank, said : “Many banks now have experiential activities to cultivate financial knowledge among customers’ children. Last summer we held a Little Banker activity. Parents took their children to visit the bank and experience opening a card, operating a cash machine, saving money, etc. Both parents and children liked it quite a lot. \”Many parents will open a New Year\’s money account for their children and teach them how to deposit money in the bank. At this time, parents can tell their children what different deposit periods mean, what the concept of automatic transfer is, and how to deposit money under different interest rates. Financial management tips such as which deposit period to choose. New Year\’s money can be saved for three months or half a year at first, so that children can see the amount of savings increase in the short term. Gradually, children will also be interested in financial management information related to this money and consciously learn financial management knowledge. “Parents can guide their children to use it in a planned wayWhen it comes to money, I often show my children the account books at home, tell them how the money is spent at home, and let them buy daily necessities, buy groceries for the family, pay phone bills, etc. Parents can also ask their children to help with accounting and establish the concept of scientific and reasonable management of property. \”If the family is financially well-off, you can also let your children participate in activities such as donating money and showing love. Let the children realize that money can not only bring material enjoyment, but also help people in need, and their happiness will increase several times.\”