In recent days, Tuoi Tre has received many opinions about children's lucky money. Discussing this issue, Master of Psychology Vo Hong Tam said that lucky money is not only a Tet gift but also an opportunity to teach children valuable lessons.
Children put money in piggy bank for Tet - Photo: NGOC PHUONG
According to Master Vo Hong Tam, instead of letting children spend lucky money arbitrarily, parents can guide their children on how to save, spend reasonably, invest in education and share with others.
"When children are equipped with financial management skills from an early age, they will develop independent thinking, know how to use money meaningfully and build a solid foundation for the future. And perhaps the most valuable thing is not the amount of money in the envelope, but the values that children carry with them throughout their journey of growing up," said Ms. Vo Hong Tam. Specifically, Ms. Tam suggests ways to handle and share lucky money with children:
Teaching children to save lucky money
One of the first important lessons parents can teach their children is saving. Teach your child to divide a portion of their lucky money into a piggy bank. Help your child understand that saving is not just about keeping money, but also about preparing for future needs, such as buying a favorite item or attending a friend's birthday party.
Guide children to spend money wisely
Parents can help their children create a spending plan by dividing their lucky money into several categories: one for savings, one for spending on toys, one for education, and one for charity. This allocation helps children have a more general view of how to manage money instead of just spending it on impulse.
Encourage children to invest in learning and personal development
Instead of just using lucky money to buy toys or food, parents can guide children to invest in activities that are beneficial to their development, such as buying books, attending talent classes or registering for an online course that suits their interests. This helps children understand that money is not just for spending but can also help them learn and improve.
Teaching children compassion through sharing
Tet is also an opportunity for parents to teach their children about the spirit of sharing and helping others. Encourage children to donate part of their lucky money to charity, participate in volunteer activities with them, take them to visit people in difficult circumstances, orphans, lonely elderly people, etc. so that children can feel more clearly the meaning of giving. When children understand that money is not only for themselves but can also bring joy to others, they will develop compassion.
Build long-term financial management habits
Managing lucky money does not stop after Tet but can become a foundation for children to learn how to manage their finances throughout their lives. Parents can help their children record the amount of lucky money they receive, the amount they spend, and the amount they save. This habit helps children have a sense of financial control and develop smart financial thinking from an early age.
An effective way to encourage your child to maintain this habit is to create a budget book or money management app for kids. Over time, your child will become more confident in making financial decisions and develop the habit of using money wisely.
MSc Vo Hong Tam
"Teaching children how to receive lucky money is very important, and teaching them how to spend lucky money is equally important. Receiving lucky money is not just about receiving money, but also about receiving wishes and love from adults. If children understand this, they will appreciate lucky money in a different way - not just seeing it as a means to buy toys, but as a gift that carries care .
MSc Vo Hong Tam
Source: https://tuoitre.vn/chuyen-gia-goi-y-5-cach-xu-ly-tien-li-xi-cua-tre-sau-tet-20250205144950832.htm
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