祝孩子们天天健康快乐！

标题: 孩子的压岁钱怎样处理才好？ [打印本页]

作者: 自在小鱼 时间: 2008-2-7 13:26
标题: 孩子的压岁钱怎样处理才好？
大年初一去拜年

孩子挣了压岁钱

以前都是代他“存”

现在却找不到一文

如今孩子6岁半

好像不能再这样办

大伙有啥好方法

一起讨论再讨论

作者: sxnf6662767 时间: 2008-2-8 00:24
当然是存在银行里!

作者: 自在小鱼 时间: 2008-2-8 16:40
给孩子开个户存银行也不错！

作者: 懒羊羊1 时间: 2008-2-8 18:08
让他吵股票吧。

作者: chengjl 时间: 2008-2-8 21:19
哈，我是让他自己存着，使用权也归他自己。

年初，所有的收入由他自己制定使用计划。所有的开支分为两类：预算类和临时类。
但是每笔开支，哪怕是一毛钱，都必须有书面的申请，家长签字同意以后才能动用。

年底是要对账的，倘若账目不清，则相应扣除第二年的部分收入。

作者: qiaoqiao2002 时间: 2008-2-8 22:44
向5楼学习,计划加记账

只是书面申请是否有必要

,我还都是月光族

作者: dawnch 时间: 2008-2-8 23:31
去年写过一篇故事，事从孩子的压岁钱引发。
一万多字，写得也不算好，有耐心的就看，没耐心就算。

An Easy Life

It's too late when I found Sunny smiling dreamingly，with her father standing side by side in a large beam of autumn morning sunshine pouring down the aisle.
They were reading the scarlet booklet!
It was Saturday morning, after the morning jobs in bathroom, Philip got a good mood from the pleasant sunlight on the windowsill, and finally decided to make a compromise which was a wise husband always could do at the last minute before conditions going worse. It was not easy for me that I had been persisting for several months on influencing, persuading, negotiating, bargaining, and threatening Philip to tidy up his mountains of documents, papers, and magazines, which was sleeping in every pieces of flat surface, tucked into every corners with a little depth as soon as they were delivered into the room, except for the pile in his bathroom which has been kept updating everyday. Without having breakfast, Philip zealously pulled his piles down to the floor, sorting and reading the papers piece by piece as if he was fossicking the sand like a gold fever, while Sunny was busy with the missions of the Penguin's Club.

I didn't know how it happened. Perhaps it was Philip who dug the scarlet booklet out of the trash mass and then raised from the dusk leaping rays, granting his lamb with his great glory holy.

"Sunny, you're rich!" With exaggerated smiling on his sweating face, Philip spoke to Sunny fawningly.

The scarlet booklet, a bank deposit book, recorded Sunny's lucky money amounted to RMB 11,710 received from her grandparents, aunts, and uncles in the Chinese New Year from 2003 to 2005.

It is a Chinese tradition that senior people give juniors lucky money which usually tucked in fancy red envelopes. Theoretically, lucky money is a blessing ceremony more than its value. When I once was young enough to have this privilege, a rural old lady fumbled about in her pocket with her quivering hand, and foisted into my hands a red pack which was as crumply as her face, containing only one piece of ten cents' bill, which was even crimpier than the wrap. But the warmth and the sweetness of this memory was definitely beyond the bill’s value and the space and time. In recent decades, more and more people come to attach importance to the amount, and for somebody, for certain purpose, it would be a more convenient tool than the payment around Majhong table.

Sunny was reading the booklet in a dreaming sheen. I knew she was calculating how many American Girl Doll she could buy with the money under her name. From the day in a magazine she knew about that there was such adorable thingy in this world, she began to set a value on all items in this universe with American Girl Doll. After a couple of uncomfortable months when she saved every coins or bills she got from her monthly allowance, a few income or bonus by washing her underwear and getting up early, winning extra bonus from Mrs. Clark the principal for the first reading score in the 3rd grade, or ramping her father, one day she finally triumphantly strode into the American Girl Place located at 111 East Chicago Avenue, Chicago. With her eyes open wide and her hands itch, she purchased her first American Girl Doll whom named Mary soon after. But her bud of greed was not nipped; she soon worried about her Mary's winter clothes, summer dresses, furniture, purses, or another doll which she understood I would never approve.

Even though RMB 11,710 is not enough to do anything really useful, but to let a kid to employ or to know owning such giant possession, which would surely be a giant treasure for a kid, must be sinful and uncomfortable like a guy is lecturing on platforms while a tiny stone hiding in his shoe constantly remind him of it’s existence. In this consideration, like most Chinese parents would do, I saved the money in a bank, a safe place which is the only choice for Chinese people for a long time.

"You!" I stared at Philip with all my electricity enough to drive an electric chair.
"What?" Philip responded as innocent as Forest Gump, and then this troublemaker slipped away and disappeared among his piles.

I asked Sunny, "Is it much?" I meant the money in the booklet.
"Yes." Sunny echoed me from her dream remotely.
"Our family monthly consumption is RMB10K, almost is the same with your money, do you still think your money is much?" I asked further.
"No, not much," she was awakening, "but it is still good to me." Bringing her dream and the booklet, she went into her room.
I pried into her room from the sunny aisle. Sunny was sitting at her desk, lowering her head, thinking.

Well, this is a giant wealth for her, who always want to embrace all the dolls in American Girl Place, and always self-control the desires bitterly.
But how long we could protect this dream for her? The CPI in August was 6.5% higher than the past 12 months, it is the fourth rising month of the year, and it will surly continue on and on while the bank interest can not catch up with its pace even if after five rises.

As soon as I grounded China from a shining mountain, I was shocked to see something has been changing profoundly, enormously, and gravely. Signboards in restaurants said: rising! one of my favorite newspaper doubled it’s price; shopping in Sam’s club weekly, I never can remember where had my car parked in the giant parking lot, and I never can remember the unit price of the groceries, but what I know now is that the purchase amount for my small family has been rising from RMB400 to RMB1000, which was the same amount with I did in Costco, Chicago. My real estates zoomed as three times as I purchased it 6 years ago, but rentals stay in a flat level. All off these happened within one year when I absented from China. I couldn’t recollect any comparative experience in the memory of my past 30 years.

Ten years later, Sunny might think her mother was so mean and sick that had been so gingerly and secretly saving the small money just enough to buy several pieces of candy.

"What shall we do with the money?" in the aisle I blocked Philip who was sweating blood to load his dusty magazines out of rooms.
"Invest!" Philip gasped, detouring towards the gate.
"Stock?" I asked the shifting object.
"Whatever." Philip answered me with his back.

Differentiating from the price raising a few years ago, when I heard about some Chinese people stored foodstuff, televisions, refrigerators to protect their money, this time they choose to invest stock markets. From early of this year, the stock index has been keeping growing up from 2700 in February to 6,124 in October. Fast lessons on stock investment would hit your sight on every street. My friends, Tian Qian, began to educate his 9-year old son to read graphs, buying and selling stocks with his lucky money; Jiangying, who was a manager in a join-venture company, sold and bought his stocks in working time, and he told me a few days ago that stock business was the first and the job was in the second place.

Papers said this was a Panic Investment.

"I think you should have a talk with your daughter." I seized Philip on his way back.
"What talk?"
"About the money. Tell her something morn important than American Girl Doll, and let her know she is growing taller and taller while money might become shorter and shorter."
"Why me? I am busy enough." Philip flung his grey dusty hands in the air crossly.
"Who opened the Pandora's Box? Who studied Money Management in Kent law school? And who is going to fix the lunch for all creature in this house?" I pronounced as an odour of sweet soy-sauce stews pork flowing in the air from our neighborhood, and I believed that Philip’s empty stomach would surly stand on my side.
"sweet soy-sauce stews pork?" Philip asked hopefully.
"No," I answered evilly, "too difficult."
"Sunny, we will have a talk." Philip raised his head and exclaimed as he swaggered into Sunny’s room.

In practice, Philip was not a perfect person to act the role of a financial teacher. In an April of four years ago, he purchased his Audi A6 2.5TDI in RMB500,000, but by the end of the month, the price was bitterly dropped to RMB410,000, and currently stand firm on RMB350,000. Philip could do nothing but slaying the salesman savagely in the phone, and then became a remarkable VIP memeber in a car owner club. A May of six years ago, I stuck to my colors to buy this apartment, he had been keeping his complaining until our property was boosted dramatically with the market fluctuating, and now he begun to moan, "Why didn’t we buy more at that time?"

The door bell rang while I was exploring the refrigerator to form a scheme about the lunch. As I prefigured, standing at the door in a brown uniform the small, slim, and brown woman,
with a wisp of hair drooping down the forehead, as if she never could afford the time to spruce it up. She took charge of the sanitary of this building, and was inquiring me humbly in her Hunan accent, "The books, you don't want anymore?" She was referring the piles Philip placed at the doorway.

I knew her job could barely provide a bottom-line wage, so recycle waste became an important extra income. All she could earn would be a primary supporting for her family, the kids and parents, and maybe, brothers and sisters, in a faraway countryside. Therefore, when we deal with some neat trash, such as books, papers, clothes, we just put them at the doorway instead of dumping in the trash bin. I thought it might be better for the lady. At the mean time, I knew there was another lady at the root of the building, sitting beside the sidewalk waiting for this trash everyday, and that would be her only earning. But how much I could do for them?
"Oh, I'm sorry. It's too heavy to put in the bin. Please do help me to get rid of. Thank you!" I was pretending having no idea about her intention. It might be better for her, I thought.

As I returned to my Kitchen, a lunch menu was set up. Noodle! Sunny like it, Philip always oppose it, but it's fast and easy, which is the most important for a lunch. Sweet soy-sauce stews pork? Under the governing of a mean, evil housewife, you guys have no choice. I couldn't understand how my neighbor could manage such complicated dish at noon!

I grabbed all the material I need out of the refrigerator, ground pork, mushrooms, carrots, a pack of lettuce, a box of tofu, and a jar of Miso. To make up a simple lunch never need a recipe.

A cool breeze flooded into the kitchen from the window, rustling the Sam's club's shopping bags left on the floor. Autumn is a pleasant season in Guangdong, it is not hot as summer and not humid as spring, but it is not cold enough to put on a coat, and would be blaming hot sometimes. People have to be strong to resist the cool and blaming hot with the bare skin at the same time.

"A changeable weather. An unstable life." I reflected as I thawed the ground pork in the microwave oven, and throw the vege-stuff into the sink.

Life is so unstable. Look forward, the vision of the future is unclear; look back, neither experiences nor predecessors could we rely on. So many opportunities we have to identify; so many crossroads we have to ponder. The only thing the Chinese people had learnt for so many years is to disbelieve everything, but money is the last alternative they could lean upon. Furthermore, the more bothersome is that no matter how much money they would have, they could not buy them enough security, while a majority of Chinese people are still struggling to survive.

Having the carrots, mushrooms, and tofu chopped into small cubes, and the lettuce token apart, I thought about our family security system. We have a bundle of crazy insurance in AIA, with a giant premium as much as a yearly income of a white-collar, while it could cover nothing, at least I could not feel any benefit towards our daily life, and its value were shrinking as the inflation going on. Besides this, we have social insurance.

To buy social insurance for employees is an obligation according to labor law, and should be paid by employer and employee dividually, covering Medicine, Work-related Injury Insurance, Unemployment Compensations, and Pension. The premium will be calculated base on employee's salary. As far as I knew, few companies will not buy full insurance according to employees’ real salary just in order to reduce company's cost. Employers usually fake a payroll and pay a bottom fare just enough to walk through the obligation under the law. Employees, including the staffs in high class, like general manager, do not care about their future benefits were
reducing. The less payment cause the less benefit one will get, especially in the Pension part, but they do not believe that the government could give them a good future, so they would have more income in hand rather than paying to the government for the unpredictable, uninsured future. And the people's concern seemed to be proved by the events happened in Shanghai and Guangzhou that the social insurance fund, the money the common people pay in the name of social insurance was peculated by some government officials.

Linda, a friend told me before long her mother-in-law past away,"You would never know how useless the social insurance is untill you are really ill."

Long Yongtu, secretary general of Boao Forum for Asia, China, the former vice minister for Foreign Trade, alleged on 12th Sep. CBD International Forum, Beijing that, "Aged supporting problem could not rely on government." Philip commented, "Yes, it's true, because government never do anything about this."

Dry noodles were done in boiled water, and the ground pork was made into a thick and glossing sauce with the cubes of carrot, mushroom, and tofu. Lettuce was scalded in water slightly and seasoned with sesame oil and oyster sauce. And the soup, laver egg soup was always a beneficial choice. I was content for such a lunch. It's simple, nice and nourishing, but boring, a little bit.

Life in China is easy, if you do not think about the future. Or maybe life is born to be easy, don't think too much!

"Lunch is ready!" I broadcasted.

Philip came out of Sunny's room.
I asked, "How's the money talk?"
"Well done!" Philip answered cunningly. "Sunny found out something more important and economic than the American Girl Doll."
"What's it?” It boded me no good.
"She understood that it would be more economic for her if we gave her a baby sister instead of purchasing a new doll by herself with the lucky money. Also, a baby sister is more important."

They touched the button!

"Yes!" Sunny jumped out of the bathroom and yelled excitedly,"Then I can go to the Yale and Harvard but baby sister can only go to Kent!"

Philip smiled, bitterly.

作者: dawnch 时间: 2008-2-8 23:39
想来想去，要么把孩子的压岁钱买黄金保值，要么买些优质股票存着吧。

作者: 蓝弟弟 时间: 2008-2-9 00:31
呵，楼主的这个题目很好啊，差不多有孩子的家庭都会面对这个问题……

8过，既然代孩子存了，怎么会又没有了呢？这大人“帮”孩子花了？

怎么说也该专门开一帐户（哪怕不是孩子的名字），给孩子存压岁钱啊……

几岁的孩子，让他（她）自己管理自己的钱还有一定的困难的，毕竟那么大点的孩子对金钱的概念还不是很成熟。

我家的孩子，给她专门开了一帐户存她的压岁钱，几年下来也有一些了，这不，现在孩子把钱“借”给奶奶——开始“投资”了，还给孩子打了借条的，小孩子小心翼翼地收好了借条，就等钞票增值了……

作者: e若千金 时间: 2008-2-9 03:39

原帖由 dawnch 于 2008-2-8 23:39 发表
想来想去，要么把孩子的压岁钱买黄金保值，要么买些优质股票存着吧。

严重同意！我是将孩子的压岁钱买基金，长线投资。

作者: happy_99 时间: 2008-2-9 10:37
儿子的压岁钱从6岁开始记帐，以前的都让我们收着收着就没了。

自记帐以来，他的压岁钱、零花钱、自己挣的钱（考试、卖报等）、生日红包等等，
总收已经上万，但目前帐上只剩5000多。

支出方式很多：
到外公外婆家的路费全是自己出；
开学的学费全是自己出；
外公买轮椅出资500；
家里买房子捐献1000；
自己买个小玩具什么的也自己出钱，但要申请取得同意。

作者: guaiguaima 时间: 2008-2-9 10:45
可是孩子的压岁钱只有2000块怎么买基金呢?

作者: 蓝弟弟 时间: 2008-2-9 11:11

原帖由 guaiguaima 于 2008-2-9 10:45 发表
可是孩子的压岁钱只有2000块怎么买基金呢?

可以在家里放高利贷啊！

比方说：你没有私房钱，今天却需要给别人送个礼或请个客什么的，可以借贷啊，主动给孩子申明到时候归还多少利息……这样，2000块就增值了……

作者: 蓝弟弟 时间: 2008-2-9 11:13

原帖由 dawnch 于 2008-2-8 23:39 发表
想来想去，要么把孩子的压岁钱买黄金保值，要么买些优质股票存着吧。

反正以保值增值为目的，8过，你家孩子的压岁钱可真多啊，可以买黄金+优质股票……

作者: guaiguaima 时间: 2008-2-9 12:01

原帖由 蓝弟弟 于 2008-2-9 11:11 发表

可以在家里放高利贷啊！比方说：你没有私房钱，今天却需要给别人送个礼或请个客什么的，可以借贷啊，主动给孩子申明到时候归还多少利息……这样，2000块就增值了……

可是我家宝贝刚21个月我怎么说啊

作者: 一杯咖啡 时间: 2008-2-9 18:59
我女儿以前的压岁钱我给她买了股票，虽然才几百股，不过已经略有盈利

作者: junkai 时间: 2008-2-9 19:00
去年的压岁钱买了基金，赚了；今年还要买

作者: greenmood 时间: 2008-2-10 11:24
孩子的压岁钱，给孩子开个户存银行

作者: 老等 时间: 2008-2-10 11:56
我儿子的压岁钱全在自己的帐户里，因为我们已经谈好
18岁以后，他自己全部负担自己的一切费用！

作者: lingwuyunxing 时间: 2008-2-12 09:45
我也为孩子的压岁钱怎样花犯愁呢

作者: qdylz 时间: 2008-2-13 11:38
我们给花了不行吗？压岁钱名义上是给孩子的，实际上是成人之间的礼尚往来，我们给花了算不算侵权？

作者: happy_99 时间: 2008-2-13 13:27
标题: 回复 #21 qdylz 的帖子
个人觉得肯定不算。但从培养孩子的理财能力以及责任感，建议还是让孩子在家长的监管下合理地花为好。

作者: wangwei0612 时间: 2008-2-20 14:47
现在的小孩都要自己管理压岁钱，我们小时候都知道其实是大人们在换钱，所以都不要，给父母自己存起来。

作者: tiger3912 时间: 2008-2-21 12:53
给孩子交学费吧。或者给他买东西。

作者: 帕兰朵 时间: 2008-2-21 15:53
除夕的早上,我问一凡:"想要什么新年礼物?"
回答说:"我不缺什么呀"
心喜,刚准备奉上囤着的书作为礼物,一凡开口了:"我有一个想法."
"说吧(以为他是想要个变形金刚什么的呢)"
"妈妈,我想让你把以前我存在你那里的压岁钱存到银行里."
啊?

每年几千块钱压岁钱全被我不知不觉中用了

老公说:"看来审计一下,会查出个贪污犯呢!"(其实他是同案犯

)

"宝贝,存起来之后打算呢?"
"打算在股票价钱比较低的时候买点啊."轻描淡写的说.

坦白的说,偶一点股票也没买,从来没谈论过股票的事,可见《小狗钱钱》的影响力！

[ 本帖最后由帕兰朵于 2008-2-21 15:57 编辑 ]

作者: hq1966 时间: 2008-2-21 17:06
　　
　　宝宝仔仔的红包
　　存起来读书
　　
　　但她今年三十晚上借讲故事的机会表达了想得到20元红包的意思（可以自由支配的）
　　于是我们给她封了个20元的红包

作者: 倚风无语 时间: 2008-2-21 20:42
从女儿一出生就给她开了个户头，凡是和她有关的人情全存到她的户头里。今年女儿收的压岁钱全主动交给了我，叫我给她存着将来上大学时用。

作者: Yaya58 时间: 2008-2-21 22:09
今天刚开了定期帐户，不过也没全存，算起来每年只给她存1000元

作者: dawnch 时间: 2008-2-21 23:01
存钱、教育费用，这些方向都没有问题。

问题在于，你现在存的一万元，等孩子上大学时会变成多少钱？

作者: fujunang1 时间: 2008-2-22 09:47
孩子才4个月，给他买基金了

作者: happy_99 时间: 2008-2-22 13:29
标题: 回复 #29 dawnch 的帖子
问题在于
拿孩子的钱买股票，盈亏了算谁的？

问题再前移一步
拿孩子的钱买股票，授权方是谁？

作者: 自在小鱼 时间: 2008-2-22 23:07
还可以考虑给孩子买保险

作者: 细数阳光 时间: 2008-2-22 23:36
以前的我都代替他花了，今年的留着，让他买书、教学费。最好的方法是让他自己能做到钱生钱哦。

作者: cxldll 时间: 2008-2-23 15:48

作者: wingofleaf 时间: 2008-2-24 09:50
我也要以学啊，我孩子也存了不少钱了

作者: sufeiya 时间: 2008-2-25 08:44
楼主话很好,大家借此机会讨论一下如何理财及教孩子理财也不错

作者: 细雨声 时间: 2008-2-25 10:05
看来各们孩子都能收到一定的压岁钱。我的只收到几百块钱，我给他添了几百块钱，凑1000元吧，存起来，等他需要再花，现在他还小。

作者: 梦幻妖精 时间: 2008-2-25 11:17
帮他花了
给他报帐：学费、其它学习班的费用，
就3k多钱，2/3下就花没了

作者: 虬虬妈妈 时间: 2008-2-25 14:02
交学费和兴趣班了!
昨天还找我要来着,他想要一张信用卡.

作者: 美妈妈 时间: 2008-3-3 20:13

原帖由 dawnch 于 2008-2-21 23:01 发表
存钱、教育费用，这些方向都没有问题。

问题在于，你现在存的一万元，等孩子上大学时会变成多少钱？

就是，有道理　　　　　　　　　　　　　　

作者: yitahutu 时间: 2008-3-4 16:22
上中学前帮他管，上中学后让他管！

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