翻译

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. 26 On the other hand, the children's
spending habits may affect how pocket money is given.
Pocket money given on a daily basis is sometimes termed as “food money”. Children usually use
the pocket money to buy food during recess and also at lunch hour if they have school activities in the
afternoon. They learn how to manage small sums of money. 27 Some parents choose this
method of allocating pocket money in order to prevent their children from overspending, hoping that
in time they can be trusted with larger sums of money.
Giving pocket money on a daily basis places responsibilities of budgeting on the parents, instead
6 / 9撷墨教育 墨盒自考 全国高等教育自学考试
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. 28
Others spend more than they are given. They borrow from their siblings or their classmates when they
feel like indulging 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. In such instances, the purpose of
rationing is defeated.
Children need to learn how to budget their money. The key to doing this is to differentiate between
needs and wants. 29 This habit, when inculcated since young, stands them in good stead when
they start working and earning their own money. It enables them to resist the temptation of “buy now
and pay later” schemes.
Formation of any habit starts at a tender age. 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. 30 When children learn to spend within their means, they are able to
manage their finances well later in their lives.
A. It is a good idea to start with daily pocket money and move on to monthly pocket money.
B. The way in which pocket money is given affects how money is spent or saved.
C. Buy the necessary first, and indulge ourselves only if there is money left.
D. As the money is limited, they have to control their spending.
E. Parents who earn daily wages may also opt for this due to financial constraints.
F. They may develop the mentality that money is meant to be spent.

教孩子明智地花零用钱
上学的孩子需要零用钱购买食物、文具和车费。父母以不同的方式给孩子零用钱。有些人在月初或周初给一笔固定数目，其他人则更喜欢每天给零用钱。另一方面，孩子的花费习惯可能会影响零用钱的发放。
每天给零用钱有时被称为“食品钱”。孩子通常会在休息时间购买食物，在午餐时间如果他们下午还有学校活动也会买。他们学会如何管理少量的钱。一些父母选择这种方法来分配零用钱，以防止孩子过度消费，希望他们可以在将来信任他们更大的资金。
每天给零用钱将预算责任放在父母身上，而不是孩子身上。孩子可能会花光每一分钱，因为他们知道第二天会再有一笔钱。这导致孩子在花费上缺乏远见。省钱的想法从未涉及过他们的思维。其他人花费超过了他们所得到的。当他们想要犒劳自己时，他们从兄弟姐妹或同学那里借钱。然后他们可能会要钱来还债。这种借债的习惯使他们依赖别人来解决问题。在这种情况下，配给的目的就被打败了。
孩子需要学会如何预算他们的钱。关键是区分需求和想要的东西。当这种习惯从年幼时开始灌输时，它们在开始工作并赚自己的钱时会大有裨益。它使他们能够抵制“现在购买，以后付款”计划的诱惑。
任何习惯的形成都始于儿童时期。教孩子管理钱财没有比从他们的零用钱开始更好的方法了。他们需要从幼儿园时就学习预算的重要性。当孩子学会在他们的经济条件内花钱时，他们将来能够正确地管理他们的财务。
A. 从每日零用钱开始，逐渐转向月度零用钱是个好主意。
B. 零用钱的发放方式影响钱的花费或储蓄。
C. 先购买必需品，只有剩余的钱才可以放纵自己。
D. 由于资金有限，他们必须控制花费。
E. 收入不稳定的家长也可能因为财务压力而选择每天发放零用钱。
F. 他们可能会形成金钱是用来花的心态。