Smart Savings

Smart Savings Written by Russ Buyak Focus Question Why is saving money important?

《聪明储蓄》 作者：拉斯·布亚克 焦点问题 为什么存钱很重要？

Money makes the world go around. This is a popular saying because in many ways, it's true. People use money to purchase things they need or want. Adults often work jobs to earn money. Children sometimes earn money too. They may get an allowance for doing jobs around the house. Some children make money by working at jobs or even have their own businesses.

金钱让世界运转。 这是一句很流行的话，因为在很多方面它都说得对。 人们用钱买他们需要或者想要的东西。 成年人通常靠工作赚钱。 小朋友有时候也能赚钱哦。 他们帮忙做家务可以领到零用钱。 有些小朋友靠打零工赚钱，甚至还做起了自己的小生意呢。

Spending money can be exciting, but what if you can't afford to buy something? Some of you probably thought, I'll ask my parents for money. That might work, but there's another way, saving money. When you save money, you choose not to spend it. Instead, you keep some or all of it. The money you keep is called savings.

花钱是件很开心的事， 但要是你买不起想要的东西怎么办呢？ 你们有些人可能会想：我找爸爸妈妈要钱就行呀。 这办法也许管用， 不过还有另一个办法，那就是存钱。 存钱的时候，你会选择暂时不花这笔钱。 相反，你会把一部分或者全部钱存起来。 你存起来的这笔钱就叫做储蓄。

If you keep saving, in time, you'll have enough money to buy the thing you want. The amount of money you need is your savings goal. Having a goal gives you a reason to save money and helps keep you from spending it all. A goal isn't necessary, though. Just saving money in case you need it later is also a good idea.

如果你一直存钱，过段时间你就有足够的钱买你想要的东西啦。 你需要攒的这笔钱的数额就是你的储蓄目标。 有了目标，你存钱就有了动力，还能帮你不把钱全花光。 不过，储蓄也不是一定要有目标哦。 只是把钱存起来以备不时之需，也是个很棒的主意。

Once you have some savings, where do you put it? Many children put money in piggy banks. These come in all shapes and sizes. Many are shaped like pigs or other animals. You might find one in the shape of your favorite superhero or a character from your favorite show. You can even make your own!

等你有了一笔储蓄，你要把它放在哪里呢？ 很多小朋友会把钱放进存钱罐里。 存钱罐有各种各样的形状和大小。 很多存钱罐做成小猪或者其他动物的造型。 你说不定能找到你最喜欢的超级英雄造型的存钱罐，或者是你最爱看的节目里的角色造型的哦。 你甚至可以自己做一个存钱罐！

Some piggy banks have a second opening so you can remove money easily. Others you have to break apart. Having to smash your bank might make you think twice about spending the money inside it.

有些存钱罐有第二个开口，你可以很轻松地把钱取出来。 还有一些存钱罐得打碎才能把钱取出来。 要打碎你的存钱罐说不定会让你在花里面的钱之前好好三思一下哦。