Ten classic lies, ranked first is the parents said “New Year’s money I first help you save”. This joke hides the tangled hearts of parents: money to children, fearing that children spend indiscriminately; direct confiscation, and hurt the children’s hearts. New Year’s red envelope is a common thing, many children to the New Year’s time will receive the elders to the red envelope, less than a few hundred more than a few hundred thousand yuan of money to support the children’s waistband bulging more. But for children, due to the young age, children’s financial management concept is weak, this red envelope money is often managed by parents on behalf of the red envelope has become a form of New Year’s Eve. Some people have summarized the top ten classic lies, the first one is the parents said “I will help you save the money first”. This joke hides the torn hearts of parents: money to children, fearing that children spend indiscriminately; direct confiscation, and hurt the children’s hearts. There are also some parents who are completely democratic and do not interfere with the use of their babies’ money, but they miss an excellent opportunity to guide their children to learn to manage their money. Therefore, the author gives all the parents a trick – to encourage the baby to save regularly and regularly, so as to prevent the baby from spending blindly, but also to make saving a good habit and learn to manage money. 1, take the baby to the bank to open a savings account In order to encourage the baby to save money, you can accompany the baby to the bank to save money and open an account in the name of the baby. When baby sees his name on the lead-printed deposit slip or passbook, it will make him feel grown up and important. Another benefit of the bank is that it enables Baby to fully understand that money is not just something that can be taken out of the bank, but that it must first be earned and put in the bank. Later to take out, and will get more than the original deposit of money interest. 2, timely savings Sometimes we find that when we get a sum of money often we postpone the savings, the result is that in the end we find that the money has been spent without the need to save. So to help baby do things before the money is saved. When your baby is 3 years old, mommy and daddy play the money saving game at home and let your baby put the money in his own piggy bank. when he is 5 years old, encourage him to put the money in the little bank at home by giving him a handwritten passbook and mommy and daddy are the bank staff. At the age of 6, you can take your baby to the bank with you to really open an account, so that your baby can develop the habit of saving money in the first place. 3.Saving with motivation Maybe your baby dreams of getting a remote control plane, so give him a colorful photo of a remote control plane and stick it on his bedside or door, and when he looks at his “target” every day, his enthusiasm for saving will grow greatly. When he achieves his wish in this way, he will find the benefits of saving more, and know how to appreciate what he has. 4, let baby know what his money can buy Some babies do not have the concept of how much money, what they want if mommy and daddy do not buy him, he will think that mommy and daddy are not willing to buy him, and never from the perspective of whether the price of the thing can be accepted to think about the problem. So, when the baby a dime a dollar to save money, he can deeply feel that money is not easy to come by, and not all things we can afford to buy, so more understanding of the hard work of parents to make money. 5, reasonable spending money Your baby is already in kindergarten or first grade, you can give him some pocket money during the week. But always remind your baby to bring less money on your body. And before spending money to think for themselves, this thing is not necessary to buy. At first, parents should monitor baby’s pocket money spending, and promptly evaluate whether baby spends money correctly and reasonably each time. As the baby grows older, and rich in financial experience, parents can slowly let go and give the baby some free rein, but parents must give guidance. 6, three money jars There is a best-selling book in the United States called “money does not grow on trees”, the author of this book Godfrey pointed out when talking about the principles of saving: children can put their pocket money in three jars. The first jar is used for daily expenses, buying “necessities” seen in supermarkets and stores; the second jar is used for short-term savings, saving up for more expensive items such as “Barbie”; the third jar is kept in the bank for a long time. In the bank. Learning to manage money at an early age can have many benefits for your child’s future growth. In the short term, the child will develop the habit of not spending money carelessly; in the medium term, the child will develop the ability to invest and the ability to handle interpersonal relationships; in the long term, the child will develop the ability to live independently and the sense of family responsibility, and become a useful person for society and the family. In addition, after children learn more about financial management, they will understand the truth that “no pie will fall from the sky”, so they will not be easily cheated when they grow up and enhance their self-protection ability. So, don’t miss this opportunity, parents!