Happy new year! Congratulations on getting rich, the new year has come again.

How do I manage Dahlia's red envelopes? Housewives are very busy on New Year's Eve. The baby must have received many red envelopes. What about the baby's red envelope? Whether it's direct confiscation or earmarking, I'll share my method with you here (my family tradition is to write auspicious words on the cover of red envelopes and sleep under the pillow on New Year's Eve).

I have been thinking about this problem since before I was born. When I was a child, my parents would say "keep it for you". "But how did it end in the end? Everyone has had XD experience.

Then the family business failed. After graduating from college, I took a student loan, worked hard for three years, and paid it back soon. I really don't want my father to follow in my footsteps. So as long as she is born, as long as she receives any gift money, I will keep it with special funds. Besides, I save a small sum of money every month (it is fixed)

After the baby is born, you can open an account to buy insurance by reporting your household registration.

Documents needed to open an account in a bank/post office: (This is a foolproof complete version. Please contact us first if the regulations of each bank are slightly different. )

1. Double certificates and seals of both parents.

2. Baby stamp and health insurance card. The medical insurance card can be replaced by a baby handbook and a birth certificate. )

Household registration book or household registration transcript within 3.3 months.

* Both parents should be present. If one parent can't come, a signed power of attorney is needed.

* Single-parent families only need the household registration book or a copy of the household registration book, and indicate that the custody right belongs to them, without the power of attorney of the other party.

Small reminder:

Now you can use signature instead of seal to open an account. Personally, I feel that I am not afraid to forget to bring my seal after recommending two. As long as you sign, you can deposit and withdraw money. It is also recommended to apply for online banking and set up an agreed transfer between your account and your baby's account, so that it will be much more convenient to transfer petty cash to your child in the future.

Minimum deposit for new account opening:

Banks need to deposit 1000, and post offices only need 100. In addition, there are too many static households now. Some post offices and banks will ask to open an account in the branch where the household registration is located, but there is no restriction if there are documents such as bills and lease contracts that can prove that they really live there.

Financial card application:

If the general card is basically available on site (please note that the regulations of each bank may be different).

If you want to apply for a VISA financial card, you should take it together with the passbook within 5-7 days (the account holder is under 18 years old and cannot apply for a VISA financial card).

I was blocked by the bank because of my account, but because I entrusted my friend for a few hours that day and didn't have time to properly handle it, I took my useless account that I had applied for online banking as a small DA account. I haven't been to the bank for months. The advantage of online banking is that I can check the status of my account at home. This screenshot of online banking shows that I am doing this silently every month.

I won't let DA know about this money until she comes of age, unless I have an accident (I am very cautious about this because I have a heart attack). The available situation is that "DA is in urgent danger, such as hospitalization, tuition and living expenses. I hope I won't use the money.

The child's red envelope gift is definitely not equal to the parents' private money. In the future, I won't say "keep it for you" to Da, and I won't make her feel that she deserves the money. Mom was not born to leave her money, and she can get it without paying (the so-called inheritance is the improper induction of her parents).

Recommended reading: Chinese New Year red envelopes are the most suitable packaging.

I will explain to her: everyone is a part of the family, and the family is established together, so mom should contribute and you should contribute! I hope that one day, when I know a lot about money, I can know my mother's painstaking efforts.