Children who know how to spend money will not have a bad life in the future.

New Year\’s money is an opportunity to cultivate children\’s view of money. A few days ago, the topic of a Ningbo mother\’s handling of her children\’s New Year\’s money was trending on Weibo. This mother plans to use her child’s 35,000 New Year’s money to reward herself and buy herself a bag. Regarding this mother\’s approach, netizens have two opinions: More than 90% of netizens believe that New Year\’s money is essentially a product of \”reciprocity\”. It is you who receive it, and your parents who give it out. What should we do if parents spend more for their children, and if their children use so much money to develop the habit of spending money indiscriminately? So the New Year\’s money belongs to the parents. But there are also many netizens who believe that if you give it to a child, it belongs to the child, and the parents just keep it for them. \”It\’s easy to lose it if you have so much money. Mom should keep it for you.\” \”Mom will save it for you. Ask me for it when you spend it.\” Are these words familiar? It sounds reasonable, but the money sometimes disappears after being saved… Although the law stipulates that New Year\’s money is the child\’s personal property, many netizens still cannot understand it. In fact, if you only consider who gets the lucky money, you will miss the opportunity for a good money education. For new year\’s money, the best way for parents to deal with it is to use this opportunity to educate their children about money and establish a correct view of money in their children. What is money perspective? Simply put, the concept of money is people\’s understanding and attitude towards money, as well as the concepts and behavior patterns of allocating and using it. A person\’s outlook on money is part of his outlook on life and will affect his life\’s happiness. The way a person treats money reflects his way of thinking and cognitive model to a certain extent. Child psychology experts point out: \”Children\’s money concepts and financial management methods are established during childhood, which will benefit them throughout their lives.\” However, traditional Chinese education clearly advocates: A gentleman is known as righteousness, and a villain is known as benefit. Some parents think that chasing fame and fortune is a villainous behavior. If their children are exposed to money at a young age, they will be stained with the smell of money. How can their children have the energy to study? Therefore, although parents buy food and clothing for their children, they are willing to spend money on their children but are unwilling to educate their children about money. The reality often tells us that children who do not have a correct view of money will either be enslaved by money and become truly poor, or they will squander and waste without knowing how to cherish it, or even cause catastrophe. If you don’t educate your children about money, society will severely educate them. Children who do not have a correct view of money are not grateful. A relative of mine, Xiaoqiang, was imprisoned in the police station for beating his father. The idle Xiaoqiang asked his father for a sum of money to entertain his friends before the Spring Festival, but his father refused. The more Xiaoqiang thought about it, the angrier he became. He stepped forward and strangled his father\’s neck, shouting hysterically: \”Why don\’t you give me money? If you don\’t give me money, I will strangle you to death.\” Fortunately, the landlord saw him and called the police. Xiaoqiang was there The police station spent the Spring Festival. Xiaoqiang later complained: \”It\’s all my father\’s fault. I have no money to spend and he doesn\’t give me any money. If he had given me money, I wouldn\’t be like this.\” Whenever Xiaoqiang asked for money since he was young, his parents tried their best to satisfy him, but Never educate children about money, thinking it is unnecessary. A child who does not have a correct concept of money does not understand that money is obtained through labor. If he has no money, he will ask his parents for it. Therefore, he will feel that his parents and eldersSpending money on yourself is natural. It is easy to develop bad habits of spending money indiscriminately, not cherishing things, not being grateful, and not being filial to your parents. Once his parents fail to meet his requirements, he will feel resentful and even have terrible consequences. Establishing a correct view of money is to help children grow up more actively, healthily and happily. Only a child who knows how to be grateful can appreciate the beauty of life. Changchang, a 21-year-old college student who had no ability to handle money and was easily tempted by material desires, fell to his death after sending a text message to his classmates, \”Help me apply for graduation, I\’m leaving.\” According to the plan, he was supposed to graduate in 6 days. Graduation and leaving campus. Later, it was learned from the police that he had made online loans on 6 or 7 online loan platforms, and the preliminary calculation amount reached more than 200,000 yuan. Xiaoyu (pseudonym), a female student in a hotel on the student street of a university in Quanzhou, was involved in a campus loan. Under the harassment of debt collection calls and nude photos, she could not bear the pressure of repaying the debt and chose to commit suicide. Her father said that his daughter was born in 1997 and was a sophomore student at Xiamen Huaxia College. In recent years, incidents of college students falling into campus loan tragedies have become more and more serious. College students are people who have received higher education and have higher IQs, but why do they often fall into the dilemma of \”campus loans\”, even affecting their families and bankrupting their entire fortune? One of the reasons is precisely the lack of money education. We have always paid great attention to the cultivation and development of children\’s IQ and EQ, but we have forgotten that there is another very important education: money education. Although these children have gone to college, it can be seen that they neither know how to make money nor how to spend money reasonably. In the past, there was still parental control. Once we were out of parental control, we would spend money lavishly. And once a \”pie\” falls in front of them, no matter whether it is poisonous or not, they want to eat it first. Therefore, educating children about money and giving them the ability to control money independently will have a profound impact on their future lives. A child without the ability to handle money is more likely to be tempted by material desires. An abnormal view of money will change the pattern of life. Xiaoyu is a friend who grew up with me. Xiaoyu’s mother was used to living in poverty when she was a child, and she always told her not to spend money indiscriminately. When she was a child, every time she got lucky money, Xiaoyu\’s mother would always tell her: \”What are you kidding for? I\’ll keep it safe for you.\” The more Xiaoyu\’s mother refused to give Xiaoyu the money, the more Xiaoyu longed for it. So she borrowed money from her classmates to buy things, and in order to repay the money to her classmates, she stole her mother\’s money. Later, her mother found out, and her mother gave her a careful education: \”It\’s hard for me and your dad, but you are like this, are you worthy of us? You can\’t spend money indiscriminately, you have to be economical.\” She said it many times. , Xiaoyu felt that spending money was a sin. Later, when she went out with others to play, she never went because she didn\’t want to spend money. In order to save money, she always chooses to take the cheapest bus, resulting in being late for important occasions many times. She tried to buy everything as cheaply as possible, not to mention investing in herself. She had no sense of presence in the company. Later, the company\’s performance was not good, and she was the first to be fired. Xiaoyu’s mother told her child how the money came from, but she also exaggerated the hard work of making money. The child had no money awareness in the first place, and was exaggerated in this way., a solidified consciousness has been formed since childhood: making money is very hard, and \”spending money\” is a very sinful thing. It is sinful to invest in yourself and spend money on self-improvement, and it becomes sinful. We do not deny that children will become frugal because their parents often \”cry poverty\”, but the child\’s inner sense of scarcity will also accompany the child throughout his life, and will cause many problems due to the sense of scarcity. Abnormal money education allows children to use money or interests to measure all development and opportunities, leaving them with a poor heart and a small structure. A correct view of money improves children\’s horizons. A correct view of money is not about having money or not, but about the values ​​and character behind money. It represents a mode of thinking, a mentality, and cognition. Establish a correct view of money in your children, and your children will cherish life more and know how to be grateful. Moreover, children will have a bigger picture, know how to invest in themselves, and broaden their horizons. As your horizons improve, your life will reach new heights. Myers, a professor of psychology at the University of Hamburg in Germany, proposed that modern parents should educate their children in three major wealth abilities: the ability to use money correctly, the ability to deal with material desires, and the ability to understand scarcity and the limits of money. The most important thinking behind these abilities is to take responsibility for yourself and solve problems by yourself. Knowing this, we can do this. 1. Dare to talk to your children about money. Talking about money with your children is an educational topic that we as parents cannot avoid. Smart people should have money in their heads, not in their hearts. Teaching children about money has a meaning far beyond money. Robert T. Kiyosaki once said: \”Talking to children about money is not vulgar. The key is to find the right entry point. Financial intelligence, IQ, and emotional intelligence are the three indispensable qualities in modern society, among which financial intelligence is the most important.\” Whether we like it or not, money exists in our lives and affects the lives of our children. We dare to talk to our children about money and let them understand that it is a part of life, so that they can handle money better. 2. Teach your children how to spend money. In recent years, tragedies caused by college student loans have attracted the attention of many people in society. With subsequent in-depth digging, it was discovered that there are many loan platforms specifically targeting college campuses. If you don’t teach your children to spend money correctly and experience spending money, once no one takes care of it, the children will become poor and even pay a greater price. A child who can spend money can better control his life and will not be too bad in the future. 3. Let children know the value of money. It is said that when Lin Yutang founded the magazine \”The Analects of Confucius\”, he required the publishing house Time Company to bring manuscript fees and editing fees for each issue before he was willing to give the publisher a manuscript. He cares about money and is not stingy in using it. Lin Yutang often helped poor and sick relatives and friends, helped refugees, and donated real estate to anti-war organizations. Regarding the concept of money, he taught his children this way: If money is hidden in our own pockets and we don’t help others, what is the use of money? Money must be used with value and to help others. Of course, establishing a correct view of money in children is not just about hoping that they will have strong earning power and the ability to control money, and that they will be rich in the world in the future. But I hope he can see clearly what money can bring him, and at the same time be able to cherish those things that money cannot bring. Understand that even if you are not rich, in lifeThere is something more important. Money is not evil, and it is most important to establish a correct view of money in children. It determines the child\’s future level, the quality of family life and the education of future children. It is the wealth of the child\’s life.