认识金钱的价值

缪兰

It is never too early for you to learn about the value （n. 价值；重要性） of money as a teenager （n. 十几岁的青少年）. Many teenagers have no concept （n. 观念，概念） what it takes to earn money or what it costs to live. Lifestyle may have an influence on how you understand money since this is especially true for teens from rich families. If you live in poor area like other teens you may often work hard to get money and sometimes do wrong things to get money when you need it. The following article discusses some important things about teenagers and money.

认识金钱的重要性，对作为一名青少年的你来说，绝不会过早。许多青少年对赚钱的目的或生活的开销一点概念都没有。生活方式可能对你如何了解金钱会有所影响，因为这对富裕家庭的孩子来说尤其正确。如果你生活在贫困地区，和其他青少年一样，你可能要经常努力奋斗去赚钱。有时，当你迫切需要钱的时候会采取错误的方式去获取金钱。下面的文章将讨论关于青少年和金钱问题的一些重要方面。

When youre given money you should learn how to deal with the money wisely （adv. 明智地；聪明地）. While some teens are taught at a young age to save what they have， other teens have no idea how to keep a dime （n. 一角硬币） in their pocket and will spend their money on the first thing they see. You need to learn good money habits as soon as you have money of your own through work or other sources （n. 来源）.

当别人给你钱的时候，你必须学会如何聪明地理财。有些青少年很小的时候，就被教育要积攒他们手头拥有的东西，其他的则不知道如何把哪怕一毛钱存在口袋里，而且他们第一眼看到某个东西马上就会把钱花了。一旦你通过工作或其他渠道赚属于自己的钱，你必须养成存钱的良好习惯。

If you are a teen looking to get some extra （adj. 额外的） money， there are some ways. If you have not saved money in the past you should begin. It is possible for you to earn money by doing “jobs” for your parents around the neighborhood such as cooking and cleaning. Part-time teaching is also another great way for teens to earn money until they are old enough to get a job； so consider these ideas！

如果你是个希望额外赚些钱的青少年，下面有几个方法。如果你以前没有存过钱，那么你现在可以开始存了。你可以帮你父母或者邻居做做活儿，比如做饭和打扫卫生。在青少年长大就业之前，兼职家教也是他们赚钱的另一个重要途经。所以，认真考虑一下这些方法吧！

Remember good money habits start young！If you have a bank account （银行账户，银行存款） you can save some of your money there. However you may also have an account managed by your parents that you arent allowed to use until you are at a certain age. Another way to save your money is to have a place in your room where you can safely keep the money you have got. Even though your can use this money at all times， you will be able to see how much you have earned and can keep some money put aside.

记住，良好的存钱习惯从小开始！如果你有个银行帐户，可以把一些钱存进去。不过，你也可以有一个由父母共同管理的帐户，只到你达到一定的年龄才能使用这个账户。另一个存钱的方法是：在你房间里找一处地方，可以安全存放你赚到的钱。即使任何时候你能支配这些钱，你仍可以知道已经赚了多少钱并且保存一定的储蓄。

Your parents and other adults in your life should teach you how to manage your money. Once you have found a way to make money， the best thing is for you to have a savings account. Each time you earn some money part of the amount should be deposited into the account. This will teach you how to save and will also show them that they are being rewarded （v. 奖励；奖赏） for your work by having the ability to watch their account grow. If someone in your life tries to teach you these tricks of money management （理财） make sure you pay attention！

你的父母和其他长辈必须教你如何理财。一旦你发现赚钱的方法，最好就是开一个储蓄帐户。每次你赚到钱，一部分就要存入这个帐户。这样将教会你如何存钱，而且可以通过看到帐户金钱数目的增长，反映出这些钱是因为你的工作而所得到的回报。如果有人想要教你理财的技巧，一定要专心学习！

It is very common for teenagers to not understand the value of money. This is generally because they have not had to work for their money. You may receive it in gifts from family members and friends.

青少年普遍不了解钱的价值。这是因为一般情况下，他们都不必为了钱而工作。他们可以通过家人和朋友送的礼物获得金钱。

It can be harder to learn the value of money by the time you are 15. You might find that you want to buy the latest things on the market and you might not be so concerned （v. 涉及；关系到） about the value of money or what these items truly cost. If you are in this age group and do have a part-time job， youre allowed to spend some of your money but do need learn！Having an ATM （自动提款机） card can help you learn how to manage your own money and realize that you can only spend what you have earned. Once the money is gone its gone！

当你15岁的时候，懂得钱的重要性可能是比较困难的。你会想要买市场上最新潮的东西，而且不会太关心钱的重要性或这些东西的真正价格。如果你是在这个年龄阶段，而且有份兼职工作，你可以花一些钱但必须学会怎么花！拥有一张ATM卡能够帮助你学习如何管理自己的钱，并且让你认识到只能花自己赚到的钱，一旦把钱花出去，就一去不复返了！