过年了，小学生的压岁钱怎么处理是个问题。比如有家长反映自己的孩子喜欢乱花钱，只要身上有钱就会很快花完，换回一堆无用的东西，很浪费。钱用完了还不停向家长要，不知道勤俭节约。这要是过年了还了得，压岁钱到孩子手上，还不都浪费了？

The New Year,Elementary student's New Year's money how to deal with a problem.Such as parents reflect their children like disorderly spend money,As long as the body rich will soon spent,Change to return to a pile of useless things,Is a waste.Run out of money, we still keep to the guardian,Don't know thrift.This if the New Year also get,New Year's money to children hands,Don't waste?

　　其实这些问题在日常生活中比较常见，因为孩子缺乏正确的用钱方法，就会出现乱花钱现象，家长常感到头痛。现在就要过年了，马上孩子就有一堆钱拿了，家长正好利用这个时机，给孩子一些正确用钱的观念教育和习惯培养。以下专家提供的理财教育7招供家长参考：

Actually these problems more common in our daily life,Because the child lack of correct method with money,Will appear the phenomenon of waste money,Parents often feel headache.Now will celebrate the New Year,Soon the children have a pile of money for,Parents just use this time,Give children some money right concept of education and habits.The experts to provide financial education and make a confession parents reference:

　　1、树立用钱观念，让孩子真正了解“钱” 1/Set up the concept of money,Let the children really understand"money"

　　在孩子很小的时候，就应该帮助孩子建立正确的用钱观念，告诉孩子钱是干什么用的，怎么用最好。

In children at a very young age,You should help children establish the correct concept of money,Tell children money is what is it used for,How to use the best.

　　“钱是用来买有用的东西的，而不是来乱花的。”比起不让孩子花钱，一味禁止，让孩子懂得这个道理更加行之有效。

"Money is used to buy useful things,Not disorderly spend."Don't let the child than money,Blindly banned,Let the child know this truth more effective.

　　2、家长自己做好榜样 2/His parents good role model

　　如果家长能够做到勤俭节约，言传身教，让孩子跟着学，就很容易帮助孩子建立起好的花钱习惯。

If parents can do is industrious and thrifty,precept,Let children learn accordingly,It is easy to help children establish good spending habits.

　　比如过年过节，讨论买东西、送礼，家长自己就铺张浪费，孩子必然也是大手大脚。可以让孩子参与其中，看家长如何合理规划、讨论合理用钱，对他们来说是一个很好的教育。

Such as Chinese New Year festival,Discuss shopping/gifts,Parents themselves stretched out waste,Children must have also too recklessly.Can let the children involved,See parents how to reasonable planning/To discuss the reasonable use the money to,For them is a very good education.

　　3、有错就及时指出 3/It is pointed out that is wrong in time

　　孩子可能有一些不正确的用钱方法，发现了就要立即指出，同时鼓励他们用正确的方法。

The child may have some incorrect method with money,Found will be immediately pointed out,At the same time encourage them to use the right way.

　　如果孩子使用了正确的方法，要立即给予奖赏，但奖赏的可不要是现金，以表扬和奖励为主。

If the children use the correct method,To an immediate reward,But the prize if not cash,To praise and reward is given priority to.

　　4、给孩子建个私人账户 4/Give the child to build a personal account

　　可以征得孩子同意，帮助孩子建立账户，由他们自己保管，把他们的零花钱存进去，另找一笔记本，记录每一笔取出的钱的用处，让孩子自己分析哪一次用得最有意义。

Can the consent of the children agreed to,Help children establish account,By their own custody,They save money,Find a notebook,Record each take out money to use,Let your child analysis which once used the most meaningful.

　　培养孩子自己的事用自己钱的习惯，尽管钱是大人给的，但这样可以帮助孩子建立节约的意识。

Cultivate children to your own thing with their own money habits,Although money is the adult,But this can help children establish the consciousness of saving.

　　5、试着让他们学“赚钱” 5/Try to let them learn"money"

　　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。但要注意，不要变成赤裸裸的“做事就是为了要钱”。

Have to pay labor,Will have a return on.Such as the New Year's money can be unified management,Let children learn through labor to reward.But should pay attention to,Don't become a naked"Work is to want money".

　　6、再富不能富孩子 6/And the rich can't rich children

　　人家说“再苦不能苦孩子”，我们偏说“再富不能富孩子”。当然，这个是相对的，主要是说家长即便经济状况好，也不能让孩子太富有。孩子的钱用完后最好稍等一段时间，让孩子体验一下没有钱的感觉。

They say"Then bitter not bitter child",We partial said"And the rich can't rich children".Of course,This is relative,Basically be to say parents even if the economic situation is good,Also can't let children too rich.The child's money after she'd better wait for a period of time,Let the child experience the feeling of have no money.

　　7、让孩子参与一些简单的家庭预算 7/Let your child to participate in some simple family budget

　　其实不是让孩子出多少主意，而是培养孩子对家庭负责任的意识。

In fact not let the child much idea,But training children to family responsible consciousness.