How to spend lucky money

Looking forward to, looking forward to, the Spring Festival is coming, the footsteps of lucky money are approaching, and children's pockets are bulging again, ranging from thousands to tens of thousands. Parents began to consider this expensive lucky money, so they joined a "lucky money squad" in the army of consumer finance. -Editors pay attention to the reasonable cultivation of love. As the Spring Festival approaches, people stick couplets and set off firecrackers in the festive atmosphere of reunion. Of course, the elders will not forget to give the younger generation lucky money ... these are the traditional customs of the Chinese nation. However, with the change of time, the usage of lucky money is also colorful. In the past few days, the reporter found that many parents paid more attention to cultivating their children's rational use of money and love this year, and deposited the lucky money in the bank, or donated the money to the Hope Project, social welfare homes, Sichuan disaster areas and so on. , become a beautiful landscape. Setting up an account and depositing it in the bank can help children form a good habit of saving. Xiaochao is a sophomore in a primary school in Fuzhou. Because he is an only child, his family regards him as the apple of his eye, which unconsciously makes him develop many bad habits such as spending money lavishly. As a mother, Ms. Wang has anxiety in her eyes. How to make children realize that money is hard to come by and learn to cherish it? The new year has begun, and Ms. Wang has set her eyes on the lucky money. This year, Ms. Wang changed the practice of letting her children control the lucky money in previous years and led her children to ICBC to help him open an account and save the lucky money. Ms. Wang said that some young children simply don't know how to plan and manage money. As soon as they get the lucky money, most people will spend it all in a very short time. Because there is no hard work, of course, I don't think money is hard-won. Let children save the lucky money, mainly to cultivate the habit of saving money. Through the planned and rational use of lucky money, children can establish a correct view of money from an early age, and then they can have noble morality and sentiment when they grow up. The reporter found that there are not a few people who share the same view with Ms. Wang. They believe that as elders, they have the obligation to help children establish a correct view of money: money is both an angel and a devil. When you get money in a proper way and use it correctly, money is a kind angel; When this money becomes a tool for you to squander and cultivate selfish desires and laziness, it becomes an evil devil. Donate to express your mind, let love flow in your heart, and let yourself grow in love. This is a basic principle that Ms. Zhang has always adhered to in teaching her children. Ms. Zhang's education of children can be described as painstaking. Three years ago, my son Xiaoyu started primary school. In order to make children's young hearts full of love, Ms. Zhang takes her son to the post office every year and sends the lucky money to Hope Project and Social Welfare Institute. After the Wenchuan earthquake, Ms. Zhang also sent some lucky money to the disaster area with her son to support the construction of the disaster area. Ms. Zhang told reporters that mailing lucky money is just a form, and what is really valuable is the meaning behind this behavior. She said that the cultivation of a person's love depends on the accumulation of trivial things, the delivery of a gift, the expression of a greeting, and the silent help of the blind when walking ... These simple actions will make children feel the power of love, and children who grow up in love will also be a person with personality charm. Xiao Yu told reporters that there are many friends in "Hope Primary School" and Sichuan disaster area. They often exchange views and encourage each other. It was the lucky money that made them know each other, and he felt particularly happy. Our reporter Autumn Moon is more meaningful. Every Spring Festival, children will get a string of ardent blessings from their elders and more or less lucky money. With the improvement of living standards, the amount of lucky money is also rising. Children are well-off, and where the money is spent has become a concern of parents. Zhou is a sixth-grade primary school student. This year's Spring Festival, she received about 2000 yuan of lucky money. "The child is too young, so it is obviously unrealistic for her to manage the money by herself now. So at present, I am the main one, mainly used to buy some related books for the children, or to enroll in one or two interest classes according to the children's hobbies, so as to cultivate the children's interests. Hobbies also give children more opportunities to contact with other children. This is also good for children's future growth and avoids the waste of lucky money. " The child's father, Mr. Zhou, told the reporter. Ms. Wang, a citizen, has a similar attitude towards her son's lucky money. However, she is more happy that her son has already made his own plans for the arrangement of this money, and he will use this money to help him "charge". "He is more interested in art, and now the training cost in art is relatively high, and this money just comes in handy. It turns out that this child has no concept of money, but he looks more sensible and doesn't need us to worry too much. " Ms. Wang said that her son can get around 3,000 yuan of lucky money every year. Except for art training, the rest of the money is saved for college, which can reduce the burden on the family. Many parents believe that it is not appropriate for children to manage a large number of lucky money by themselves before they have fully formed the concept of financial management. If they change hands, they will eat them up directly. Therefore, it is necessary to guide children to use money reasonably and scientifically. It is very scientific and reasonable to spend money on study and interest cultivation like Ms. Wang's son. After some children get lucky money from their elders, it is also meaningful to use this love money to buy gifts for their elders. "Grandpa likes listening to the radio. I bought him one this Spring Festival. The old man is very happy. " Zhang Wenxiang, a junior studying abroad, told reporters: Every Spring Festival, I always take my grandparents' lucky money with confidence. But now studying in other places, it's hard to see them, I miss them very much, and the elderly are in poor health, so I bought a radio for my grandfather with lucky money this Spring Festival. Xiao Zhang also said: When the lucky money is enough, find an opportunity for parents to travel to Hainan or other places. He thinks it is more meaningful to spend the lucky money like this than to spend it by himself. Our reporter Ye Lei lucky money management "children" are also in charge of children's growth, and many experiences are more important than money. "Letting children learn to invest is a kind of investment with the highest return." Many citizens believe that "buying a fund with lucky money, buying some stocks, or investing in bank wealth management products or even gold are all investments to improve the quality of personal wealth management." It is understood that at present, many parents consciously guide their children to use the lucky money for investment and financial management, with the main purpose of developing their children's "financial quotient". "The fixed investment of the fund is suitable for long-term holding, and the income is relatively stable. Parents can set up a special fund account for their children, stipulate the amount and time of fixed investment every month, and the bank will automatically purchase the designated fund every month. 500 yuan invests around 200 yuan every month. Children only need to log in to the online banking operation to see the benefits. " According to a bank financial planner, in the lucky money management project, the fixed investment of the fund is still the first choice. Because children have little investment experience and low risk tolerance, parents are advised to help their children buy money funds first. Money funds are called "quasi-savings", with high security and strong liquidity, and the income exceeds the bank's time deposits, without considering the factor of raising interest rates. With certain investment experience, children can consider converting money funds into bond funds under the guidance of their parents. The risk of bond funds is relatively small, and the yield is generally higher than that of bank deposits. In order to arouse children's enthusiasm, parents can also "supplement" appropriately, for example, put 3% to 10% into the fund account every year to fully arouse children's enthusiasm. Theoretically, if the annual lucky money of 5,000 yuan is used for the fixed investment of the fund, at least120,000 yuan can be credited after 15, and the cost of children going to college is basically no problem. Due to the good meaning of gold and the fiery investment in gold this year, many citizens have turned their attention to gold and carried out lucky money management. "I want to buy a gold medal for my child as a lucky money for the New Year." Ms. Chen, who lives in Hubin East Road in Nanchang, said. Although the price of gold has risen sharply compared with the same period of last year, the gold counters in major shopping malls in the provincial capital are still very popular. There are many kinds of gold and silver products, such as gold bars and bars in the Year of the Tiger, gold and silver coins in the Zodiac, gold and silver commemorative medals and even gold couplets. These are all choices for parents to invest gold in their children with lucky money, but some insiders pointed out that parents should try to buy gold bars and coins close to the price of raw materials, and do not buy gold ornaments with complicated techniques, such as gold foil paintings and longevity locks. These products are difficult to realize and are not suitable for financial investment. A few years ago, several domestic banks launched lucky money bank cards and zodiac cards to encourage children to learn financial management. According to the reporter's visit to major commercial banks, few banks in the provincial capital have launched wealth management products specifically for lucky money, and the sales of some wealth management products are not satisfactory. "Qian Shengqian is not as clever as money." Mr. Xiong, who works in a bank, expressed his opinion: "Financial management is a long-term and continuous investment behavior. Without a fixed income, you lose the conditions for learning financial management. Unless you are extremely talented, it is difficult for ordinary people to learn how to manage money when you are young. However, improving IQ and EQ is more in line with the child's growth law. " Our reporter Lin Yong "enjoys" and "thinks" that everyone is happy. One hundred dollars is spent on colorful thread lengths, and then he will collect them from pillows. I was busy all night to discuss the price of firecrackers with Xiao. This is a poem in Wu Manyun's "Lucky Money" in Qing Dynasty. Lucky money, as a way of greeting the younger generation by the elders, has long been an indispensable custom in the Spring Festival and has been passed down to this day. From buying candy and firecrackers with lucky money in the past to buying digital products and reporting to tour groups now ... The new era has added a new color to the consumption of lucky money-"enjoying" music-sharing with relatives and friends. Compared with rich food and wonderful temple fair programs, lucky money has a special appeal to most children. How will they spend this windfall? With the introduction of financial management knowledge by the media in recent years, teenagers have great opinions on how to spend lucky money. In addition to buying things they like, many people will choose to treat their friends with lucky money, honor their elders, express their feelings and "share" their happiness with everyone. In Nanchang, some students collected their lucky money and held a holiday party. Ouyang, a junior 3 student at Nanchang Xincheng School, plans: "Most of my lucky money has been turned over, and the rest has been planned. I made an appointment with my classmates to taste in the new restaurant, and then I went to sing. We treat guests every New Year. " Many young people who have just joined the work begin to "give back" lucky money to their elders, or buy new year gifts for their elders with lucky money. Li Cong, who works in an electronic technology company in Shenzhen, told reporters: "My grandparents gave me lucky money when they reached this age. This year, I took out the lucky money, added some money myself and bought them foot baths. I hope they will take good care of themselves. " This year's New Year's Day coincides with Valentine's Day, and many young couples "contribute" lucky money to supplement Valentine's Day gifts, making this Spring Festival look "full of honey". "Thinking" is fun-the ideal shines into reality and enjoys it. For many student travel enthusiasts, lucky money has become one of the important sources of their travel funds. "I have saved money for three years, and I can finally put my trip to Tibet into action this year." Xiao Wang, a "donkey friend" in Nanchang, told reporters while checking the information of Tibetan hotels online: every year, the lucky money has been saved, and he has gained a lot. This time, I made an appointment with a few "donkey friends" to go to Tibet, and finally realized a long-cherished wish. Travel is the best New Year gift for yourself. This trip to Tibet will definitely open your eyes. Xiao Wang also suggested that other friends who plan to travel with lucky money can choose Wuyuan or Yangshuo first, which is not only economical, but also unique in winter. Lucky money is also a boost to help many college students realize their wishes and ideals. Liang Xiao, a 2007 student of Nanchang University, plans to use this year's lucky money to buy a camera for his newly established film studio. "As soon as the New Year's lucky money was credited, I began to choose the camera model. I took a fancy to Panasonic 180. " Liang Xiao obviously has a plan. He said that he had never paid attention to how the lucky money was spent before. This year's lucky money is more meaningful than in previous years. Our reporter Li Dongming's intern pays attention to "lucky money" instead of "money". Although most citizens will give lucky money during the Spring Festival, the total expenditure of lucky money is still calculated on an annual basis, which is very different. The survey found that 19% citizens' average income per child does not exceed 100 yuan. 46% of the citizens arrived in 200 yuan by 10 1 28% of the citizens arrived in 500 yuan at 20 1; 7% of the citizens are above 500 yuan. (February 9, China Morning Post) Another year of "pressing the age". At this time of the year, the discussion about lucky money in the society will be "flourishing". However, how can lucky money, which belongs to folk customs and Chinese New Year culture, become a controversial social phenomenon? I have to say that there have been too many abnormal phenomena in lucky money in recent years: it is understood that more than 70% children in cities will receive a single lucky money of more than 1000 yuan. We should pay attention to: is it appropriate to spend hundreds of lucky money? Can it be conducive to the growth of children? The problem is that children, big or small, lack financial management ability before entering the society. More often, children get a lot of lucky money and don't know how to spend it. What's more, this is an era that overemphasizes "my site is my master". Many educational experts often teach parents not to interfere with their children's autonomy. In this context, it is not surprising that children can easily form a "New Year complex" of looking forward to the New Year and looking forward to lucky money, and then form luxury consumption habits. It is understood that the rise of lucky money is due to a legend: on the first day of the first month, ghosts named Sui and Chong will appear. In order to ward off evil spirits or drive away the ghost, parents are used to putting some money under their children's pillows. Over time, such a custom has been formed in society. In my opinion, since the problem of lucky money is an important part of traditional customs and Chinese New Year culture, we should let folk customs belong to folk customs and education belong to education. As long as the culture of lucky money is highlighted in the process of Chinese New Year, it is enough to entrust a care. Thousands and hundreds can of course express the love of parents, relatives and friends for their children, but this concern can also be expressed with tens of dollars. As long as you tell the truth to your children, I believe that every child can experience every true love. This is the same as "courtesy is light and affection is heavy".