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第
6
课
Text A
Teaching Children to Spend Pocket Money
Wisely
School-going
children
need
pocket
money
for
food,
stationery
and
bus
fares.
Parents
give
pocket
money
to
their
children
in
different
ways.
Some
give
a
lump
sum
at
the
beginning
of
a
month
or
a
week.
Others
prefer to give pocket money on a daily
basis. The way in which pocket
money is
given affects how money is spent or saved. On the
other hand,
the children's spending
habits may affect how pocket money is given.
教孩子们理性地使用零花钱
正上学的
孩子们需要零花钱来买吃的、买文具，还有支付公交费用。
父母们采用不同的方式来给予
他们零花钱。
有的父母会在月初或每周
之初一次性给予孩子们一
笔钱，有的更倾向于每天给一些。然而，零
花钱的给予方式却影响着孩子们花钱或省钱的
方式。
另一方面，
孩子
们的消费习惯也
会对父母给予零花钱的方式产生影响。
Pocket
money
given
on
a
daily
basis
is
sometimes
termed
as
money
and also at
lunch hour if they have school activities in the
afternoon. They
learn how to manage
small sums of money. As the money is limited, they
have
to
control
their
spending.
Some
parents
choose
this
method
of
allocating
pocket
money
in
order
to
prevent
their
children
from
overspending, hoping that in
time
（将来，
迟早）
they
can be trusted
with
（托付）
larger sums of
money. Parents who earn daily wages may also
opt for this due to financial
constraints.
按天来给零花钱有时被称作
“
零食钱
”
。
下午有学校活动的孩子们通常
会用这些零花钱在课间或午饭时间买些
吃的东西。
他们从中学到了如
何管理好一小笔钱。因为钱的数目
有限，他们只能有节制地花费。一
些家长用这种方式给孩子零花钱，是为了防止他们的孩
子过度消费，
并期待日后可以放心地给孩子们一大笔钱来支配。
按天领取薪资的父
母，由于经济拮据，也会选择这个方法。
Giving pocket money on a daily basis
places responsibilities of budgeting
on
the parents, instead of the child. The child may
spend every single cent
of the daily
pocket money by overindulging in junk food as they
know
they will get another sum of money
the next day. This results in children
being shortsighted in their spending.
The thought of saving money never
crossed
their
minds.
（承上启下的句子）
They
may
develop
the
mentality that money is
meant to
（被打算）
be
spent.
（承上句）
Others
spend more than they are given. They
borrow from their siblings or their
classmates when they feel like
（想要；有
…
感觉）
indulg
ing themselves.
Then
they
may
ask
for
money
to
pay
off
their
debts.
This
habit
of
borrowing causes them to depend on
others to solve their problems.
（承上
启下的句子）
In
such
instances,
the
purpose
of
rationing(
配给
)
is
defeated.
按日来给
孩子们零花钱把预算的责任加在了父母身上，
而没有锻炼到
孩子
。
孩子可能会沉迷于垃圾食品而花光每一分钱，
因为他们知道第
二天又会得到一笔零花钱。
这导致孩子们养成了目光短浅的消费
习惯。
省钱的观念从来不会出现在他们的大脑中。他们可能会形成
“
钱就是
用来花的
”
心态。有些孩子花的钱比得到的多。当他们想要放纵自己
时，
< br>就会向兄弟姐妹或同学借钱。
然后，
他们再要钱来偿还这
些债务。
这种借钱的习惯造成孩子们在解决问题时依赖他人。
从
这些案例来看，
定额分发零花钱的做法没有达到培养孩子理性花钱的目的。
孩子们应
该学会如何规划自己的钱。
有些父母亲奉行
“
在实践中学习
”
这一理念，
在月初一次性给孩子们一笔钱，
结果到这个月的
第三周时这笔钱便已
经被花光了。
Children need to learn how to budget
their money. Some parents go by
the
beginning of the month, and by the
third week of the month their account
is already dry.
孩子们应该学会如何规划自己的钱。
有些父母亲奉行
“
在实践中学习
”
这一理念，
在月初一次性给孩子们一笔钱，
结果到这个月的第三周时
这
笔钱便已经被花光了。
On
the
other
hand,
some
learn
to
budget
their
pocket
money
very
well
and
even
have
savings
at
the
end
of
the
month.
They
do
not
borrow
money
unnecessarily.
In
other
words,
they
learn
to
spend
within
their
means. The key to doing this is to
differentiate between needs and wants.
Buy the necessary first, and indulge
ourselves only if there is money left.
（承上启下的句子）
This
habit, when
inculcated
（灌输）
since young,
stands them in good stead
（对<
/p>
…
很有好处）
when they start working and
earning their own money. It enables
them to resist the temptation of
now
and pay later
（承上总结的句子）
另一方面，有些孩子学会了如何规划自己的钱，做得很好，甚至月末
还有结
余。他们基本上不需要借钱。换句话说，他们学会了如何量入
为出地花钱。要做到这一点
，关键在于区分自己需要和想要的东西。
首先买必需的东西，倘若尚有结余，才可以买自
己想要的。在孩子们
幼年时就灌输给他们这样的理念，
让他们养
成习惯，
这样当他们开始
工作挣钱时会有很大的益处，
能让他们抵挡住
“
先买后付
”
观念的诱惑。
Formation of any habit starts at a
tender age
（幼年）
. There is no
better
way
to
teach
children
to
manage
money
than
to
start
with
their
pocket
money.
They
need
to
learn
the
importance
of
budgeting
right
from
kindergarten days. It
is a good idea to start with daily pocket money
and
move on to monthly pocket
money.
（承上启下的句子）
When children
learn to spend
within their means, they are able to manage their
finances
well later in their lives.
任何习惯都是从幼年开始形成的。
要教会孩子们学会理财的话，
没什
么能比得上让他们开始管理自己的零花钱这种方法好了。
从幼儿园开
始就需要让他们知道合理规划的重要性。
从按天给过渡到按月给零花
钱也是个不错的选择。
当孩子们
学会了如何量入为出地花钱时，
他们
就会管理好自己未来生活中
的财产状况。
第
6
课
Text B
The Importance of Money
in Life
What were you taught about
money as you were growing up? Something
like
maybe
金钱在生活里的重要性
在你成长的过
程中，
别人教给你的关于金钱的看法是什么
?
< br>是
“
钱不是
从树上长出来的
?”
还是
“
钱是万
恶之源
?”
或者
“
所有的有钱人都是贪婪
的
?”
Well, how do you expect to become a
success financially if you believe
these things? You attract into your
life what you are thinking about and
what you believe. If you think there is
not enough money in this world for
everyone you will never have enough
money. That is called the Law of
Attraction
（吸引法则）
.
好吧，如果你相信这些观点，你如何期望你在经济上取得成功呢
?
生
活吸引你的是你想的东西和你相信的东西。
如果你认为在世界上没有
足够的钱给所有人，你永远也不会有足够的钱。这就是
吸引力法则。
First of all,
believing that
what's
called
lack
or
scarcity
programming.
Our
parents
taught
us
that
there was never enough
money to go around
（分配）
, and
that it was not
readily available or
abundant. But in truth, the universe is very
abundant,
and there is lots of money to
go around for everyone. Just think what you
could
do
if
you
have
as
much
money
as
your
heart
desires.
What
wonderful things you could do with it:
travel to the countries you have
always
dreamt of, buy a house you are even scared to
think about, attend
meditation classes
so
you could spiritually grow, donate
money to your
favorite charity, spend
more quality time
（珍贵时光）
with
your family,
and the list goes on.
首先，
信奉
“
钱不是从
树上长出来的
”
就是被称作缺乏规划的一个例子。
我们的父母教导我们周围绝不会有足够的金钱，
并且它也不是唾手可
得或用之不竭的。但事实上，宇宙万物丰富多彩，每个人的周围都有
许多
财富。
仅仅幻想一下，
如果你拥有了梦寐以求的数之不尽的财富
，
你会做什么事
?
你可以去向往已久的
国家旅游，买一所你想都不敢想
的房子，
参加静思班来提高你的
精神境界，
给你最喜欢的慈善机构捐
钱，和你的家人度过更多的
闲暇时光，等等，这会是多么美妙啊
!
The key is
to start thinking that you deserve the money and
that there is
lots of it available for
you, and then you can start attracting it into
your
life. That's abundance
thinking
（充裕思维）
, which is the
opposite of lack
or
scarcity
thinking.
When
you
start
thinking
about
the
abundance
the
Law of Attraction will do the rest.
（承上启下句）
You do not need to
know
how
it
is
going
to
happen.
Just
make
the
first
step,
first
thought.
Starting is already winning.
方法就是开始去想那些你应得的钱并且你有机会得到许多，
然后开始
< br>把钱财吸引到你的生活中。
这是一种富有的思考，
与缺乏
思考或思考
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