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Keys to a better life
过上美好生活的关键
Read this online article about teaching children how to manage money.
阅读这篇有关教孩子们如何管理钱财的网络文章。
On 26 April 2005, about 7,400 American bankers went back to school again.
2005年4月26日，大约有七千四百位美国银行家重返校园。
This time they did not go to learn -- they went to teach.
这次他们不是去学习—而是去授课。
Every April since 1997, the American Bankers Association has sponsored Teach Children to Save Day.
自1997年起每年4月，美国银行协会赞助“教孩子省钱日”这个项目。
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，全美国的银行家给150多万中小学学生讲授如何管理钱财。
In the USA, children, especially teenagers, are often big spenders.
在美国，孩子们特别是青少年，常常是大消费者。
In 2003, for example, American teenagers spent $175 billion.
例如，在2003年，美国青少年花掉1750亿。
This is an average of $104 per week per teenager.
即平均每人每周花费104美元。
Few teenagers have any savings.
少数青少年有存款。
Most typically spend money as fast as they can.
大多数青少年通常花钱如流水。
Nearly all will continue their spending habits when they grow up.
几乎所有青少年长大后会保留花钱的习惯。
For this reason, bankers have decided to teach children proper money management while they are still young.
正因为如此，银行见决定在他们还年幼时，教孩子们正确管理钱财。
They show students how to budget their personal activities and make smart decisions about money.
他们告诉学生们如何预算个人活动的开销，对钱财做出聪明的决策。
They explain to them how to balance their expenses against their income.
他们向青少年解释如何量入为出。
They help the students understand their family's shopping and household expenses as well.
他们还帮助学生了解家庭购物和家庭支出。
Of course, students are also taught how to invest and save money.
当然，还教学生们如何投资和省钱。
As Benjamin Franklin said, 'A penny saved is a penny earned.'
正如本杰明·富兰克林所说，“省一文则赚一文。”
Moreover, money saved at interest can increase greatly in value over time.
此外，随着时间的持续，省下来的钱产生的利息会大幅度增长。
Children, like adults, therefore need to understand the value of saving money.
因此，孩子们像成年人一样需要懂得省钱的重要性。价值
This is what Teach Children to Save Day is all about.
这就是“教孩子省钱日”的有关知识。
