Mostlikelyyouaren’tthefamilybreadwinner.Butdoingasmalljoborgettingaweeklyallowance(零花钱)wouldputsomemoneyinyourpocket.Forkidsandgrown-upsalikemoneyiseasytospend.Ifyouaren’tcarefulitcanbegoinginnotime.
Beingresponsiblewithyourmoneyisanimportantskilltolearn—andthesooneryoustartthebetter.Whetheryouaretrackingyourspendingorsavingforsomethingspecialcreatingabudgetcanhelpyoudealwithyourexpensesandplanforthefuture.Allyouneedarepaperandapencil—andsomeself-control.
Firsttakealookatoursamplemonthlybudget.Thenuseaseparatesheetofpapertoplanyourown.Inthefirsttwocolumns(栏)listyoursources(来源)ofincomeandhowmuchyouexpecttoearnfromthem.Inthethirdandfourthcolumnslistwhatyouexpecttospendyourmoneyonandtheamount.
Theleft-handtotalshouldbemorethanorequaltotheright-handtotal.Ifitisyouhaveaneffectivebudget.Budgetsarenotcomplexbutstickingtothemcanbetough.Whenplanningyourbudgetberealisticaboutyourexpenses.Ifyouknowthatyoudrop$18atamoviedon’twrite$12inthatspacesimplybecauseyouwishyouwerespendingless.
Ifyouareeyeingabigpurchasesuchasa$150skateboardspendlessandsavemoreuntilyouhavethetotalamount.Nomatterhowattractiveitmaybeavoidspendingyoursavings.Onedayyouwillthankyourself!
MonthlyIncome | Amount | MonthlyExpense | Amount |
Allowance | $20.00 | Snacks | $20.00 |
Moneyearnedsellingdrinks | $25.00 | Musicdownloads | $12.00 |
Moneyearnedbabysitting | $12.50 | Movies | $18.00 |
Moneyearneddeliveringnewspapers | $30.00 | Videorental | $10.00 |
Total | $87.50 | Total | $66.00 |
A.Children.B.Parents.
C.Breadwinners.D.Ba