Distribute lucky money according to work
On New Year's Day, our brothers and sisters went hand in hand to pay a New Year call to their parents. Parents accept the blessings of the younger generation while stuffing red envelopes into our hands. Although we have long been parents, our parents have always kept the habit of giving us lucky money.
I happily opened the red envelope, which contained only seven 10 yuan bills. How can it be so few? Last year was 200 yuan! Parents' retirement wages have gone up this year, and there is no reason why the lucky money will shrink instead.
And it has shrunk so much. I went to my sister and saw her holding a pile of money. I grabbed it and found 630 yuan. Look at the lucky money in the hands of my brothers and sisters. Not as much as my sister's, but much more than mine.
I am unhappy. In the past, our brothers and sisters' lucky money was the same, but this year suddenly opened such a big gap. Parents are too eccentric!
The more I think about it, the more unbalanced it is, so I talk to my parents. However, I was so angry that I walked beside my parents, but I couldn't say a word. I just kept peeling peanuts and chewing them in my mouth. My parents looked at me with a smile, as if they knew I would tell them about it.
Or father speaks first. Father asked me what I thought of the lucky money. Need I say it? Father ha ha smiled: "Have you thought of the reason?" I've been thinking for a long time, but I really can't figure it out. "It seems that I have to make it clear." Father said with a smile. At this time, my sisters, brothers and sisters also gathered around, and they were actually very confused.
It turns out that in recent years, as our brothers and sisters' children grow up slowly, every time they go home, there are a large group of people, and every time their parents have to work hard to cook and cook for us. I didn't feel so hard when my parents were in good health. In the past two years, my parents' health has been getting worse year by year, and it is a bit difficult for a large group of people to arrange meals. But every time I just play mahjong and watch TV, I seldom take the initiative to cook a meal and stir fry. After discussion, parents decided to reform the lucky money system from this year and implement the principle of distribution according to work-helping to cook a meal in 20 yuan, washing a bowl once, each accounting for 10 yuan, and helping parents wash clothes once, accounting for 30 yuan. My sister is the most diligent. Every time she goes home, she helps to do this and that, and there are many natural lucky money. And I am the laziest. I just wash dishes five times a year and mop the floor twice. Naturally, the lucky money is only a mere 70 yuan.
Father said, "Although we are too old to remember many things, we remember everything you did when you went home to help, and we didn't leave anything behind." Whoever refuses to accept it will take it for himself. "Say that finish, my father took out a small notebook and put it on the coffee table.
I looked at my sister and brother and sister, but I really didn't have the courage to get the notebook. I understand that every time I went home before, I went to see my parents in the name, but I actually wanted to be lazy and find my parents to make a living. And since childhood, I have always been accustomed to the hard work and fatigue of my parents, enjoying their love and dedication with peace of mind.
Thought of here, I am full of shame. Parents' "lucky money" made me understand that it should be every child's obligation to repay their parents.
How to distribute the lucky money of college students?
Xiao Yang, a finance major at Shenzhen University, invested nearly 2,000 yuan in the stock market during the Spring Festival. He thinks this is what he learned.
College students who return to school in the new semester are quite well off because they earn a lot of money in the new year. Usually, the profitable market has a "income" of one or two thousand yuan, as high as 5,000 yuan. How will the students use this huge sum of money? Recently, the reporter learned from several universities in Guangzhou and Shenzhen that students use the market differently. More than 80% of the students surveyed said that they "didn't consider how to arrange their use after they got the profit market", so they spent 7788 yuan on shopping spree before and after the school started. Some students majoring in economics have a profit from investing in the stock market or funds, hoping to apply what they have learned.
There are also many students who regard the profit market as the living expenses of the new semester and arrange the distribution in a planned way. College teachers believe that there are incorrect consumption concepts among college students at present, and the school will strengthen the guidance of college students' reasonable consumption behavior through financial education.
Character 1: Xiao Yang of Shenzhen University
I'm not afraid of losing money in the stock market.
After the Spring Festival, the Shenzhen and Shanghai stock markets rose sharply on the first day of opening, but plunged the next day, which made many investors love and hate each other. Among them, a group of college students hold "money-making" stocks, and Yang, a finance major at Shenzhen University School of Economics, is one of them. Xiao Yang said that because relatives visited during the Spring Festival, he received a profit of more than 2,000 yuan for the first time this year. How to deal with this rich "profit market"? Eating, drinking and having fun seems too wasteful. Mobile phones, computers and other items have long existed, not to mention the "boring" practice of banks. Reading finance, he soon thought of a good way to "Qian Shengqian"-"stock trading". Because I have taken a course in stock, I have also simulated stock trading in the school economic association before, and I have long been fascinated by stock trading. After consulting his parents, he took out half of the "profit market" of 1 0,000 yuan to open an account for stock trading.
With the arrival of the new semester, Xiao Yang needs to "stare" at his studies in addition to staring at stocks every day. How to balance the relationship between study and stock? Xiao Yang bluntly said that stock trading did not bring much pressure. "Stock trading is like a topic to be studied more this year. Just spend a little time studying stocks every day. If you don't understand, you can ask your classmates and teachers around you. " He is also looking forward to a good performance in the stock market at the end of the semester. Xiao Yang said that the money for stock trading is his own profit, not living expenses, and the amount is not large, even if he loses, it doesn't matter, so he has always been a "normal heart" since stock trading, and will not affect his mood because of stock market fluctuations.
According to the reporter's understanding, there are quite a few students who use the stock market in Shenzhen universities, and most of them are boys majoring in economic management in middle schools. The same situation also appeared in Guangzhou Finance College, Guangdong Business School and other economic universities.
Dialogue stock trading has become my compulsory course.
Information Times: Why use the stock market?
Xiao Yang: I mainly want to apply what I have learned. I took a course on stocks in college, and I've always been interested in it. I want to try it. Secondly, I also want to make some money. Last year, my classmate spent 10000 yuan to buy a fund. I heard that he earned twice this year.
Information Times: Do your parents hoard goods? Do they support you?
Xiao Yang: My parents don't buy stocks, but they support me very much, because the money invested is my own profit, not my living expenses. The amount is not big, so it doesn't matter if you lose it. They think that studying stock trading can teach me in advance how to use the theoretical knowledge I have learned in practice, judge and undertake one thing independently, and know how to use "Qian Shengqian".
Information Times: If you make money, how do you plan to use it?
Xiao Yang: I have invested less money. Even if I make a profit, I will continue to invest in stocks.
Information Times: How do you and your classmates generally stock up?
Xiao Yang: We all trade stocks through the Internet, that is, we go to a special stock website with software that provides online stock trading. The software will tell us the daily ups and downs of each stock, as well as its historical fluctuation data and charts. We usually read the financial statements of listed companies published online, and we have also learned this knowledge in the corporate finance course of our school.
Information Times: Do you consult your teachers and classmates when you buy stocks?
Xiao Yang: Yes, especially the teacher's professional advice is of great reference value. Our teacher is quite supportive of our stock trading, because it is the practice of book theoretical knowledge. When buying stocks, the teacher will teach us how to look at the charts and data of stocks published online and how to judge whether the stock price is likely to rise.
Information Times: Is there great pressure on stock trading?
Xiao Yang: Soon after I started trading stocks, I felt more excited than stressed. Moreover, the investment in stock trading is several thousand yuan, and the pressure is not great. Now stock trading has become my compulsory course. I keep studying every day, hoping to get good grades in this subject.
Information Times: How do you deal with the relationship between study and investment when school starts?
Xiao Yang: As a finance major, investment and study are inseparable. This semester, I started the course of investment. The experience of stock trading will make me have a more real understanding of investment and be more interested in this course. Moreover, once the final exam approaches, most students will sell their stocks and concentrate on preparing for the exam.
Information Times: Has your life changed because of stock trading?
Xiao Yang: We boys usually like to play computer games. Since stock trading, playing games has become the time for stock trading. I heard that some female students didn't like reading financial textbooks at first, but now they concentrate on studying textbooks because of stock trading.
Teachers should be cautious when commenting on students' academic priority in stock trading.
The teacher of financial management major in a university believes that college students' use of the limited stock market is conducive to giving full play to their professional knowledge and enhancing their ability to use money and analyze and judge. However, China's stock market is not perfect and has institutional defects. At present, it seems like a bull market, but the hidden mystery is not recognized by ordinary college students. Moreover, stock trading depends not on luck, but on information. This is a typical information market. The information obtained by college students is often inaccurate, and they cannot obtain accurate information. Therefore, college students are at greater risk of failure in stock trading. The stock market can't just make a profit without losing money. It is a very important question whether college students have the economic and ideological endurance of stock falling. He stressed that college students' main energy should be in study, which is their duty.
Xiao Yang's consumption plan:
Stock trading1000 ~ 2,000 yuan (spent)
Food expenses 600 yuan
Mobile phone fee 100 yuan.
Other entertainment expenses 100 yuan.
Learn from 200 yuan.
Savings 100 yuan
Estimated total expenditure in the first month of school: 3 100 yuan.
Person 2: Feifei from Jinan University
Shopping in Hong Kong made a profit of 10 thousand yuan.
Because all my family members are doing business in Guangzhou and their living standards are relatively high, Feifei has a large profit market. A few days before school started, she went shopping in Hong Kong, leaving her clothes, shoes, handbags and mobile phones behind. "This trip to Hong Kong alone cost ten thousand yuan, and the profit market is running out. Usually, I like shopping very much. I feel itchy when I see something I like. I have money on hand and it is rare to buy it. "
In addition to the little profit left, she still has her usual monthly living expenses to control in the new semester. Although she can't make a financial budget for the whole semester at the moment, she did make a list of expenses for the first month of school. "Just started school this month, and my family gave me about 1200 yuan's living expenses. In addition to the necessary expenses, it can also be freely controlled around 600 yuan. "
Feifei consumption plan:
Shopping expenses in Hong Kong 10000 yuan (spent).
Food 400 yuan
School and daily necessities 100 yuan
Mobile phone fee 100 yuan.
Campus Internet Fee 90 yuan
Eat buffet at weekends and sing k 150 yuan.
Social 200 yuan
Maneuvering fee 220 yuan
Estimated total expenditure in the first month of school 1200 yuan.
Person 3: Xiao Li from Guangdong University of Technology
Thousand yuan lucky money as living expenses
Xiao Li, a student of Guangdong University of Technology, has planned to use all the gains he has gained in his study. He said that the annual amount of lucky money is relatively fixed, and this year is similar to previous years, both of which are 1 10,000 yuan. "From small to large, because of family education, almost all my lucky money has been invested in my own studies, and I will not spend it indiscriminately. This year, the profit market of 1 ,000 yuan served as the living expenses for this semester. "
According to the reporter's interview, most of the other college students who do the same thing as Xiao Li are influenced by their parents. Parents think that it is more worthwhile for them to spend money on study than on eating, drinking and having fun, and it can also save a lot of money for their families.
Xiao Li's consumption plan:
Food 300 yuan
School and daily necessities 100 yuan
Mobile phone 50 yuan
Bar Entertainment 200 yuan
Internet Bar 90 yuan
Other 260 yuan.
Estimated total expenditure in the first month of school 1000 yuan.
Character 4: Xiao Chen of South China Normal University.
Stay at school for the New Year to earn money and help support the family.
Xiao Chen, a native of Meizhou, comes from the countryside and has two younger brothers and sisters in high school. Referring to the Chinese New Year's market, he readily said that he didn't take it. Because he stayed at school to work, he didn't go home for the New Year. "I found a part-time job in the city during the winter vacation. This job includes two meals a day and a fare subsidy, and Chinese New Year is the best time to do business, so I saved 2000 yuan for the whole winter vacation. Besides, now that I am so big, I am embarrassed to take advantage of the market. "
Because of family financial difficulties, Xiao Chen didn't intend to "reward" himself, although he earned money during the winter vacation. He said cautiously: "Half of (salary) will be sent home, and the rest will be kept for half a semester. It is not easy to support our three brothers and sisters at home. It is enough for my family to give me 300 yuan (living expenses) every month. The rest, I usually work part-time at school, doing some part-time and odd jobs, and I should be able to barely finish this semester. "
Xiao Chen's consumption plan:
Send it home 1000 yuan (paid)
Food 240 yuan
Mobile phone fee: 50 yuan
School and daily necessities 50 yuan.
The remaining two months will cost 7 10 yuan.
It is estimated that the total expenditure in the first month of school will be in 340 yuan.
Teacher's comments
Some college students will not make rational use of the market if they spend in advance.
Pan Guoxiong, secretary of the Youth League Committee of the School of Economics and Management of South China Normal University, believes that due to the diversification of distribution methods, the income gap between families has widened, and the consumption level of college students is also unbalanced due to the influence of family income. In addition, the consumption content of college students is increasingly diversified. In addition to the necessary living expenses and study expenses, the entertainment expenses of college students are also increasing. The higher the family income, the higher the proportion of entertainment expenses.
From the above four situations, it can be seen that it is reasonable for college students to arrange some living expenses and study fees. Xiao Chen, who comes from a poor family, also subsidizes family expenses with the money he earned, and rewards his family with labor, which is an example for college students to learn. Except Fei Fei, the other three students or most college students are still hard-working and simple.
The unreasonable situation is that college students spend more and more on entertainment and social activities, and some students still have high consumption behaviors, such as leading consumption, blind consumption, emotional consumption and conspicuous consumption. For example, Feifei spent 6,543,800 yuan on a shopping trip. It can be seen that some college students do not have correct financial management consciousness and consumption concept. Especially when there is considerable Chinese New Year income, it is impossible to rationally plan the role of money.
Colleges and universities will carry out financial education to guide college students to spend reasonably.
Pan Guoxiong also pointed out that college students' consumption and financial management should follow the following rules: First, the principle of living within our means. Most college students' living expenses basically come from their parents and families, so they should live within their means according to their family income, and do not engage in advanced consumption and high consumption;
Second, follow the principle of reasonable, scientific and healthy consumption, and reasonably arrange the expenses for life, study and entertainment. It is necessary to ensure the proportion of living expenditure and study expenditure in consumption expenditure, gradually increase the proportion of study expenditure, and invest money in learning extracurricular skills. If you can get a qualification certificate, equip yourself with a computer, arrange internet access and learn motor vehicle driving skills. However, we should not make extravagant consumption or participate in excessive entertainment consumption.
The third is the principle of self-interest, family interests and national interests. College students should have a sense of social responsibility and not consume goods and products prohibited by national laws and regulations. If possible, they can use their own money to support their family or friends, share money with others and lend money to students in need, thus increasing the value of money.
Teacher Pan also pointed out that colleges and universities generally educate freshmen on financial management and consumption concepts when they enter school. Let college students work out the consumption expenditure in all aspects of the university in the past four years, including the total expenditure of tuition, living expenses, accommodation fees, telephone charges and transportation fees, and then average the daily expenditure, so that college students can have a clear understanding of their own consumption expenditure.
In addition, the school will regularly educate college students about their national conditions and school situation, and organize some courses and lectures related to investment, consumption and financial management through relevant institutions, so that college students can master certain financial management theory knowledge and guide their consumption behavior reasonably. In the annual social practice activities, guide students to participate in going to rural areas, communities and work-study programs, experience the hard-won money, and establish a correct view of money and consumption.
In addition, in terms of academic year evaluation, it is necessary to highlight the importance of academic performance, create an atmosphere in which college students compare their achievements and wealth, and consciously resist the influence of decadent lifestyles.
How to manage the lucky money of "small rich man"
In recent years, with the increasing number of "New Year" red envelopes, there are more and more "little millionaires" after the Spring Festival, and their "property" is thousands or even tens of thousands of yuan. If parents can make a financial plan for the lucky money with their children in advance, they can not only use the "lucky money" reasonably, but also cultivate their financial management concepts and skills.
Establish an account
Some pupils have never been to a bank and don't know what a bank does. In this way, they can take their children to the bank, deposit a small sum of lucky money in the current account, deposit a large sum of lucky money regularly, or deposit their children's usual pocket money at one time. This can gradually cultivate their financial management concept and let them know that many a mickle makes a mickle. In account selection, they can choose the Chinese zodiac card of CCB, which is one of the series of Dragon Card Savings Cards issued by China Construction Bank. Longka Zodiac Card is mainly aimed at the youth market. The card surface is printed with the cartoon zodiac pattern of the year when the card was issued, which is vivid, lovely and lifelike. Zodiac cards are issued in a cycle of 12, and a new zodiac card can be replaced every year in a release cycle. Can enhance children's financial enthusiasm.
Learn to collect
If the children are older, attend junior high school or high school, and are interested in collecting stamps and commemorative coins, they can buy them with lucky money. This can not only cultivate their interest in collecting art, but also cultivate their sentiment. When these collections appreciate over time in the future, the income may be higher than that of ordinary investment.
Automatic investment plan
"Lucky money" is the biggest income for children in a year. It can accumulate funds for children's future education. As young parents, considering their children's future education funds is also their own financial management content, and their children's lucky money can be taken care of so that their income can supplement their tuition fees. Specifically, they can choose the way of fixed investment to save education funds. Parents can choose different types of funds according to the length of use, such as short-term bond funds and long-term stock funds.
Purchase insurance
At present, a family generally has only one child, and the child is the core of the family. Although parents care for them, their children's self-protection ability and healthy immune system are still very fragile, and the probability of accidents and diseases is still very high. If there is any accident, it will form a great financial burden on the family. Therefore, buying insurance can solve the worries and add a guarantee for the healthy growth of children. Moreover, education insurance can also save money for children's future education and accumulate education funds, so that middle schools, universities and other stages have enough economic strength to support children to successfully complete their studies and become a lucky charm.
Parents can choose different insurance products for their children according to the amount of lucky money. If the amount is not large, you can consider buying some health insurance and accident insurance for your child; If the amount of lucky money is relatively large, parents can consider buying education insurance and health accident insurance for their children. Buying insurance for children with lucky money not only gives them a special gift, but also cultivates their financial management ability and good habits of not spending money indiscriminately. Children will not be unhappy because their parents "occupy" the lucky money, and parents do not have to feel distressed because their children squander the lucky money. With the steady appreciation of funds, children's future health and education are also well guaranteed.
As soon as school started, many parents who were worried about their children spending money indiscriminately withdrew their children's right to use the lucky money. The thick lucky money was confiscated by parents, and the child was unhappy. Therefore, parents have difficulties and children have ideas. In this regard, relevant experts pointed out that the rational use of lucky money is a good opportunity for parents to guide their children to manage their finances.
Experts pointed out that the lucky money represents the care of the elders for the younger generation. Money is given to children and adults have to take it back, which is bound to make this care ineffective. For the lucky money, it is the best policy for parents to guide their children to use it reasonably, because parents have the obligation to guide their children to use the money. Parents can teach their children to put money in the bank and use it after a certain age; You can also guide children to buy something meaningful. Even if it is to be "requisitioned", it is best to ask the child's consent before taking it away, so as not to hurt the child's self-esteem.
Although it has long been a common phenomenon to give children lucky money in the New Year, most children receive lucky money in return from their parents, which is called reciprocity. Even though most of the lucky money should be at home, is it appropriate for children to control hundreds or even thousands of lucky money by themselves?
In order to solve this contradiction, we might as well try to divide the lucky money in proportion. In this way, children can not only appreciate the caring elements in the lucky money, but also let them know the significance of China customs, and let them know that the lucky money is also the income of family members' hard work. It is also an exercise to let children control a certain amount of changes independently. In the case that the children's money is not too much, parents' guidance beforehand is stronger than that afterwards.