如何管理你的钱

云南 李建国

主题语境：理财 篇幅：336词 建议用时：6分钟

1 Although money cannot buy you happiness, it can bring a sense of security if you manage your money right.Without a handle on money management, you may always feel like your life is one step away from a financial cliff.The following money management tips can help.

2Set up right bank accounts.Right bank accounts are critical to your financial success because trying to manage your finances without right bank accounts is similar to trying to take care of your car without right parts.You'll need to set up checking,savings,and investment accounts.

3Make a plan for your money.Without a plan, it is extremely easy to find yourself short of money because it can make it easier to overspend.If you say yes to too many unnecessary expenses, then you might be disappointed with your savings.In order to combat this,take time to make a budget.

4Set right financial goals.If you are getting serious about your money, then setting goals is one of the most important money management tips you can use! Creating financial goals will help you stay focused and motivated towards where you want to be financial.

5Check your finances every day.You can't make progress without knowing where you stand because you won't know where to start.Take five minutes every day to check your budget.Are you overspending?Are you right on track?It's important to know because then you can make adjustments when necessary.

6Build up knowledge of how to manage your money better.The more you know about personal finances, the better.Seriously, more knowledge of personal finances will never hurt you.You can use any new information you learn to make adjustments to your personal finances.

7Managing your finances does not need to be difficult, but you do need to get started.Small actions along the way can prevent a major financial disaster in the future.

Reading

Check

Complete the following mind map with only one word for each blank.

Language

Study

Ⅰ.Discover useful structures in the text

1.although引导让步状语从句

Although money cannot buy you happiness,it can bring a sense of security if you manage your money right.虽然金钱买不来幸福，但如果管理得当，它可以给你带来安全感。

2.“the+比较级,the+比较级”表示“越……，就越……”

The more you know about personal finances, the better.你对个人理财了解得越多越好。

Ⅱ.Text-centered chunks

a sense of……的感觉

set up 创建；建立

be similar to 与……类似

in order to 为了

make progress 取得进展

be on track 稳步前进；做法对头

make adjustments 做出调整

主题应用·语库构建

Ⅰ.主题词汇

ready money 现金

seed money 本钱；本金

silly money 多得不可思议的钱

the smart money 行家的投资

table money 招待费

tall money 大笔的财富

trust money 委托金

dark money 加班费

earnest money 定金

fairy money 捡的钱

folding money/paper currency 纸币

front money 预付款

glove money 贿赂

good money 辛苦挣来的钱

hot money 短期流动资金

hush money 封嘴钱

push money 提成

bad money 假币

bank money 银行票据

blood money 赎罪金

boot money 额外补偿费

call money 活期借款

cheap money 低息贷款

dear money 高利贷

pocket money/pill money 零花钱

hard money 硬性货币

daily limit 每日涨（跌）停板

date of delivery 交货日

delivery date 交货日期

debt of honour 信用借款

debtor bank 债务银行

daily interest 日息

deed 契约

deed tax 契税

deferred savings 延存储金

designated currency 指定货币

development bank 开发银行

domestic deposit 国内存款

domestic exchange 国内汇兑

down payment 首期付款

income tax 所得税

information technology 信息技术

insider trading 内幕交易

international finance 国际金融

international market 国际市场

International Monetary Fund 国际货币基金组织

International Monetary Market 国际货币市场

International Organization for Standardiza

tion 国际标准化组织

IPO 初次公开发行；上市

investor relation 投资者关系

note 票据

discount 折扣

circulate 流通

central bank 中央银行

credit creation 信用创造

auction 拍卖

dealer 交易商

treasury bill 短期国库券

tax collection 征税

money market 货币市场

capital market 资本市场

hospital benefit 医疗福利费

housing allowance 住房津贴

housing distribution 住房分配

housing reform 住房改革

public housing funding system 公共住房资助制度

human relation 人际关系

human resources 人力资源

human right 人权

idle facility 闲置的工业设备

operation and management 经营和管理

Ⅱ.主题美句

1.Wealth does not always bring happiness.财富不总是带来幸福。

2.Sid's amazing wealth comes from holdings in oil, gas, land and property.锡德的惊人财富来自他在石油、天然气、地皮和房地产领域持有的股份。

3.Greed is the real poverty; satisfaction is the most real wealth.贪婪是最真实的贫穷；满足是最真实的财富。

4.I think time is the best wealth of all the wealth.我认为时间是所有财富中最美好的财富。

5.A youth without credit accumulation must become a loser.没有信用积累的青年，非成为失败者不可。

6.That the discovery of genius is great is the findings which become wealth of ten million people.天才的发现之所以伟大，正在于这些发现成了千万人的财富。

7.Work is indispensable to human's life; labor is the true source of human wealth.工作是人类生活中不可缺少的，劳动是人类财富的真正源泉。

8.We had better have a legitimate entertainment life.Even if there is no wealth, we can also have happiness.我们最好有适当的娱乐生活，即使没有财富，我们也能拥有快乐。

9.To measure a noble or base depends on what kind of quality he has,and don't see how much wealth he has.衡量一个人是高贵还是低贱，要看他具有什么样的品质，而不是看他拥有多少财富。

10.Time is very precious for me, and with the view of economics it is a kind ofwealth.时间对我来说是很宝贵的，用经济学的眼光看，它是一种财富。

11.Contentment is the wealth of talent; luxury is artificial poverty.知足是天赋的财富，奢侈是人为的贫穷。

12.A good moral character is the real fortune of one's heart,showing the character of good breeding.优良的品德是内心真正的财富，衬显这品行的良好教养。

13.Morality is eternal, but wealth changes its owner every day.道德是永存的，而财富每天都在更换主人。

14.People who have time to increase their spiritual wealth are the ones who really enjoy the comfort.有时间增加自己精神财富的人才是真正享受到安逸的人。

15.For humans, gold is not the most important wealth, but nutrition and health are everything.对人类而言，黄金不是最重要的财富，唯营养与健康才是一切的一切。

16.An entrepreneur's most important, and also greatest wealth is good faith.一个创业者最重要的，也是最大的财富，就是诚信。

Ⅲ.主题写作

你校英文报将举办主题为“How to get money and save it”的征文活动，请你写一篇英语短文投稿，内容包括：

1.你挣钱的途径；

2.你处理钱的方式。注意：

1.词数80左右；

2.可以适当增加细节，以使行文连贯。

How to get money and save it

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