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如何管理好孩子的壓歲錢？

出處：媽媽育兒網(wǎng)日期：2014-02-09 11:49:24編輯：Chen

過年發(fā)壓歲錢是自古流傳至今的一種傳統(tǒng)風(fēng)俗，據(jù)說壓歲錢可以壓住邪祟，因?yàn)?quot;歲"與"祟"諧音，晚輩得到壓歲錢就可以平平安安度過一歲。另外，派"紅包"也是華人新年的一種習(xí)俗，華人喜愛紅色，因?yàn)榧t色象征活力、愉快與好運(yùn)。

所以，每當(dāng)過年，孩子都會(huì)收到長輩給的壓歲錢（紅包），隨著生活越來越好，孩子收到的紅包金額也越來越大。一個(gè)年過下來，把收到的紅包統(tǒng)統(tǒng)拆開統(tǒng)計(jì)一下，你會(huì)發(fā)現(xiàn)這其實(shí)不是一筆小數(shù)目。

可是，如何管理好孩子的壓歲錢成了眾多家長的一個(gè)小“煩惱”。把壓歲錢交給孩子，家長擔(dān)心他們還沒有自控能力，會(huì)胡亂花掉，由家長保管又擔(dān)心孩子不樂意，這可怎么辦呢？

5-12歲是兒童理財(cái)教育關(guān)鍵期

研究表明，在這個(gè)階段，孩子的金錢價(jià)值觀和消費(fèi)尚未形成穩(wěn)定的習(xí)慣。如果此時(shí)進(jìn)行理財(cái)教育，那么孩子學(xué)會(huì)安排10元錢的用途，明天給他10萬元、100萬元甚至更多的錢，都能游刃有余地處理好。 >>詳細(xì)

孩子理財(cái)意識(shí)的培養(yǎng)可以分成三個(gè)年齡段

【學(xué)齡前】主要是讓其學(xué)習(xí)有關(guān)金錢的概念。

【7到12歲】對(duì)理財(cái)開始形成自己的概念，這個(gè)時(shí)候家長可以在銀行開一個(gè)活期儲(chǔ)蓄賬戶，讓孩子自己去支配，并且進(jìn)一步向孩子解釋有關(guān)理財(cái)?shù)幕境ＷR(shí)，例如銀行是什么，如何制訂消費(fèi)計(jì)劃等。

【13歲到18歲時(shí)】孩子對(duì)理財(cái)基本有比較成熟的認(rèn)識(shí)。家長可以鼓勵(lì)孩子更多元化地運(yùn)用手頭的資金，嘗試用投資的手段使財(cái)富增值。

4方法防止孩子亂花壓歲錢

訓(xùn)練孩子有計(jì)劃地使用錢

這個(gè)計(jì)劃最好是在給錢的時(shí)候制定，家長只提出原則，具體內(nèi)容則由孩子全權(quán)負(fù)責(zé)，家長不直接干預(yù)，但要監(jiān)督、檢查。

給孩子的錢的數(shù)額應(yīng)當(dāng)把握在孩子有能力支配的范圍之內(nèi)

壓歲錢太多超出孩子平時(shí)零用的數(shù)額，父母應(yīng)建議孩子把錢存入銀行，或者購買必需的大件物品，并依據(jù)孩子的年齡及其消費(fèi)預(yù)算留下一部分當(dāng)零花錢。

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