在孩子很小的时候，就应该告诉他“钱是干什么用的”、“怎么用最好”等。父母首先应该让孩子明白，压岁钱并非是“不劳而获”。让孩子明白了压岁钱的性质之后，就可以通过教会他们正确管理和使用自己的压岁钱，借以培养他们的金钱观和理财观了。父母要以身作则、言传身教、如果父母能够做到勤俭节约、不乱花钱，孩子便会以父母为榜样，跟父母学习好的花钱习惯。逢年过节，父母可以让孩子参与讨论买东西、送礼物等，让孩子看父母如何合理规划、讨论合理用钱，对他们来说是一个很好的教育。给孩子建个私人账户。征得孩子同意后，可以给孩子建立属于他们的个人账户，由他们自己保管，把他们的零花钱存进去。同时，用一本专属的笔记本来记录每一笔支出的用处，让孩子自己分析哪一次花的钱最有意义。
Establish the concept of using money, let children truly understand the meaning of “money”.When the child is very small, he should be told “what is money”, “how to use money”, etc.Parents should first let their children understand that New Year’s Eve money is not “for nothing.” After letting the children understand the nature of the New Year’s money, they can teach them the correct management and use of their own New Year’s money to cultivate their outlook on money and financial management. Parents must lead and teach by example. If parents are diligent and thrifty and don’t spend money randomly, children will follow their parent’s example and learn good spending habits from their parents.
During the holidays, parents can let their children participate in discussions about shopping, giving gifts, etc., and let the children see how their parents plan and discuss the rational use of money, which is a good education for them. Set up a private account for the child after obtaining the consent of the child.You can create a personal account for the child that belongs to them, and keep it by themselves, and deposit their pocket money in it. At the same time, use a dedicated notebook to record each deposit and expense. The children can analyze when they spent the most.
有付出劳动，才会有回报。比如，压岁钱可以统一管理，让孩子学习通过劳动来获得报偿和奖励。但要注意，不要变成赤裸裸的“做事就是为了要钱”。
Let the children learn to “make money” and work hard to get rewards. For example, the New Year’s money can be managed in a unified manner, allowing children to learn to obtain compensation and rewards through labor. But be careful not to become “doing things is to ask for money.”
接过红包要致谢
·过年长辈给压岁钱，寓意着孩子一年平平安安。长辈给红包的时候，宝宝们要双手接过并向长辈们说声“谢谢”。如果宝宝太小还不会做，爸爸妈妈可以扶着宝宝的手，双手接过红包，然后带着宝宝一起说“谢谢”。
·New Year’s Eve elders give the red envelope, which means that the children will be safe and sound throughout the year. When the elders give the red envelopes, the children have to take them with both hands and say “thank you” to the elders. If the child is too small to do it by himself, parents can hold the child’s hand, take the red envelope with both hands, and say “thank you”.
红包不可当面拆
·2岁以下的幼儿，不会知道红包是什么，只要告诉他别人给他时，要说声“谢谢”，然后放进自己口袋或给爸爸妈妈。在宝宝稍懂事后，要事前跟他们说好，接过红包，千万不能当着客人面拆开，最好的做法是马上把红包放到爸爸妈妈的袋子或宝宝自己的袋子里。
·2 will not know what red envelopes are. Just tell them to say “thank you” when someone gives them one, and then put them in their pockets or give them to parents. After the baby is a little sensible, you should tell them beforehand that you should not open the red envelope in front of the guests. The best way is to immediately put the red envelope in the parents’ bag or the baby’s bag.
幼儿园的话
·过年发红包，是中华民族的一个年俗。很多孩子向长辈索要红包，有的孩子得到的数量还不是一个小数目。要培养孩子的财商，共同与孩子将红包做好规划，从小培养孩子的金钱意识、节约意识、理财意识，这将事关孩子长大以后对于金钱的认识，甚至会影响孩子的一生。
·It is a custom of the Chinese nation to issue red envelopes during the New Year. Many children ask for red envelopes from their elders, and some children get a small amount. It is necessary to cultivate children’s financial quotient, plan the red envelopes together with the children, and cultivate the children’s money awareness, conservation awareness, and financial management awareness since childhood. This will affect the children’s understanding of money when they grow up, and even affect the child’s life.
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