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Keys to a better life
過上美好生活的關鍵
Read this online article about teaching children how to manage money.
閱讀這篇有關教孩子們如何管理錢財的網絡文章。
On 26 April 2005, about 7,400 American bankers went back to school again.
2005年4月26日，大約有七千四百位美國銀行家重返校園。
This time they did not go to learn -- they went to teach.
這次他們不是去學習—而是去授課。
Every April since 1997, the American Bankers Association has sponsored Teach Children to Save Day.
自1997年起每年4月，美國銀行協會贊助“教孩子省錢日”這個項目。
On that day, bankers across the USA teach over 1.5 million primary and secondary school students how to handle their money.
在那天，全美國的銀行家給150多萬中小學學生講授如何管理錢財。
In the USA, children, especially teenagers, are often big spenders.
在美國，孩子們特別是青少年，常常是大消費者。
In 2003, for example, American teenagers spent $175 billion.
例如，在2003年，美國青少年花掉1750億。
This is an average of $104 per week per teenager.
即平均每人每周花費104美元。
Few teenagers have any savings.
少數青少年有存款。
Most typically spend money as fast as they can.
大多數青少年通常花錢如流水。
Nearly all will continue their spending habits when they grow up.
幾乎所有青少年長大后會保留花錢的習慣。
For this reason, bankers have decided to teach children proper money management while they are still young.
正因為如此，銀行見決定在他們還年幼時，教孩子們正確管理錢財。
They show students how to budget their personal activities and make smart decisions about money.
他們告訴學生們如何預算個人活動的開銷，對錢財做出聰明的決策。
They explain to them how to balance their expenses against their income.
他們向青少年解釋如何量入為出。
They help the students understand their family's shopping and household expenses as well.
他們還幫助學生了解家庭購物和家庭支出。
Of course, students are also taught how to invest and save money.
當然，還教學生們如何投資和省錢。
As Benjamin Franklin said, 'A penny saved is a penny earned.'
正如本杰明·富蘭克林所說，“省一文則賺一文。”
Moreover, money saved at interest can increase greatly in value over time.
此外，隨著時間的持續，省下來的錢產生的利息會大幅度增長。
Children, like adults, therefore need to understand the value of saving money.
因此，孩子們像成年人一樣需要懂得省錢的重要性。價值
This is what Teach Children to Save Day is all about.
這就是“教孩子省錢日”的有關知識。
