Rainy Day Savings

Rainy Day Savings. Written by Heather Lynn Banks. Illustrated by Len Epstein.

雨天备用金。 作者：希瑟·林恩·班克斯。 插画：莱恩·爱泼斯坦。

Money in the Bank When her mom picked Anita up from school, the car was making strange grinding sounds. What's that noise? Anita asked as she plopped into the passenger seat. Is the car going to break down? I need to walk six dogs before dinner.

存进银行 妈妈接安妮塔放学的时候，车子发出了奇怪的摩擦声。 这是什么声音？ 安妮塔一屁股坐进副驾驶座问道。 车子要坏掉了吗？ 晚饭前我还要遛六只狗呢。

Don't worry. We'll get home in time for your job, Mom said. I'll visit the auto mechanic tomorrow morning to find out what's wrong with the car. Hopefully it's something minor and the repairs won't cost too much. What if it's something serious? Anita asked worriedly. This was her family's only car. Your dad and I have some money in the bank, Mom said. We save every month so we deal with problems like this. When we have a rainy day emergency or an unexpected expense, we can write a check to pay for it. The bank takes the amount of the check out of our bank account. And the rest of your money sits there until you need it, Anita said. Yes, we can take the money out of the bank whenever we need it, Mom said.

别担心。 妈妈说：我们会及时赶回家，不耽误你干活的。 我明天一早开去修车厂看看车子出了什么问题。 希望只是小毛病，修理费不会太贵。 万一是大问题怎么办？ 安妮塔担忧地问道。 这可是家里仅有的一辆车呀。 妈妈说：我和你爸爸银行里存了些钱。 我们每个月都存钱，就是用来应对这种问题的。 要是我们遇上突发状况或是意外开销，就可以开支票付款。 银行会把支票金额从我们的账户里扣除。 剩下的钱就存在那儿，等需要用的时候再取，安妮塔说道。 妈妈说：没错，我们什么时候需要用钱，都可以从银行取出来。

Maybe I should have a bank account too, Anita said. Now that she walked the neighbor's dogs after school, she had money of her own. That's an excellent idea, Anita, Mom said. Tonight, you can research what you need to do to start your own savings account. On Saturday, we'll go to the bank together to open an account for you.

安妮塔说：说不定我也该开一个自己的银行账户。 现在她每天放学都帮邻居遛狗，自己也能赚钱了。 妈妈说：安妮塔，这真是个好主意。 今晚你可以查查开属于自己的储蓄账户需要做些什么。 周六我们一起去银行，帮你开账户。

Saving is smart and hard. A month after she opened her savings account, Anita received a letter in the mail. It was a bank statement showing how much money she had in her account. It also showed how much interest or additional money her savings had earned. Why are they giving me interest? Anita asked her dad.

存钱是件聪明事，也挺不容易的。 安妮塔开了储蓄账户一个月后，收到了一封邮寄来的信。 这是一张银行对账单，上面显示她账户里有多少钱。 它还显示她的存款赚了多少利息，也就是额外多出来的钱。 银行为什么要给我利息呀？ 安妮塔问爸爸。

The bank took the money from you and others and loaned it out to people who needed it, Dad said. Those borrowers will eventually pay the bank back. When people repay their loans to the bank, they also pay extra money, called interest. Interest is how the bank makes money. Some of that interest gets passed on to you for letting the bank lend out your money. Wow, I earn money by walking dogs, and my money earns money by helping other people. I love having a bank account. Anita headed outside to do her job. Four huge dogs on tangled leashes were pulling her down the sidewalk when she spotted her friend Maurice. Do you like my new skateboard? Maurice asked, picking it up so Anita could get a close look at it. It was silver and blue with bright orange wheels.

爸爸说：银行把你和其他人存的钱，贷给有需要的人。 这些借款人最后会把钱还给银行的。 人们还给银行贷款的时候，会多付一笔钱，叫做利息。 利息就是银行赚钱的方式呀。 一部分利息会分给你，因为你把钱放在银行让银行去放贷呀。 哇，我遛狗赚钱，我的钱帮了别人，还能帮我赚钱。 我太喜欢有银行账户了。 安妮塔出门去干活了。 她牵着四只拴着乱绳的大狗走在人行道上，这时看见了朋友莫里斯。 你喜欢我的新滑板吗？ 莫里斯把滑板拿起来，让安妮塔凑近看，问道。 滑板是银蓝色的，配着亮橙色的轮子。