Passage 11
学霸导读 对孩子经济意识的培养和金钱价值的启蒙要从零花钱开始。
Many children f irst learn the value of money by planning the use of an allowance. The purpose of it is to let children learn from experience at an age when f inancial mistakes are not very costly. The a 1 of money that parents give to their children to spend differs from one family to another. Timing is another consideration. Some children get a weekly allowance. Others get a monthly allowance.
In any case, parents should make it clear what their child expects to pay for with the money. At f irst, young children may s 2 all of their allowances soon after they receive them. I 3 they do this, they will learn the hard way that spending must be done within a budget. Parents are usually advised not to offer more m 4 until the next allowance.
The aim is to show young people that budgeting means making choices between spending and s 5 . Older children may be responsible enough to save money for larger costs, like clothing or electronics. Sometimes paying children to do extra work around the house can be u 6 .
Allowances give children a chance to experience three things they can do with money. They can share it in the form of gifts or use it to do good things; they can spend it by buying things they want; or they can save it. Requiring children to save part of their allowances can also open the door to f 7 saving and investing. Many banks offer services to help children and teenagers learn about personal f inances. For example, one dollar invested at two percent interest for two years will earn two cents in the f irst year. The second year, the money will earn two percent of one dollar and two cents, and so on. That may not seem like a lot. But over time it adds up.
1.__________2.__________3.__________4.__________5.__________6.__________7.__________
高频词汇
allowance /ə'laʊəns/ n. 津贴，零花钱
f inancial /faɪ'nænʃl/ adj. 财政的
costly /'kɒstli/ adj. 昂贵的，价钱高的
differ from 与……不同
budget /'bʌdʒt/ n. 预算
add up 相加，积少成多