How much should you save? You may be able to save 100% of your money. Does that mean you should? Not at all. The best way to develop good saving habits is to make saving a regular part of your life, along with spending.

Here is the rule you should remember: save before spending. Whenever some money gets into your hands, from a job or your pocket money or whatever, take your savings out immediately, before spending any of the money. The beauty of this system is that if you take away your savings, you are free to spend the rest.

Here are some more suggestions on how to successfully get into the saving habit from teens. Let’s see!

Tony,13: I put my money in a bank instead of my wallet, so the money is not there. And I have to take an extra step to get it.

Bill,14: When considering a major purchase(購買), wait a week or so, at least. This will help you make sure if you still want it, and the price might go down.

Dick, 13: Carry very little money always. You can’t spend money if you don’t have it. A cake would be nice, but without a dollar, you can’t get it. Little things like that really add up quickly.

Steve,16: I used to be weak when it came to money. I bought something whenever I went into a store. I’m glad I’m not that person now. I taught myself discipline by keeping a $20 bill in my pocket while waking around the mall all day and not buying anything. Now I have no strong wish to buy things when I go into a store. It works for me.

These ideas should help you get started. If you have some questions about anything you’ve read here, or would like to share your ideas about saving money, please write to us.

1.How does Tony advise you about saving money?

A．By keeping money in a bank.

B．By putting money in a wallet.

C．By making it easy to get your money.

D．By buying little things.

2.According to Billy, if you want to buy something expensive, you’d better_________.

A．wait at least a month

B．make sure it’s necessary

C．wait until it’s for sale

D．a(chǎn)sk somebody for help

3.According to the passage, Steve is the person who _______.

A．didn’t carry any money

B．can’t wait to spend his money now

C．didn’t use to buy anything in a store

D．doesn’t spend money quickly and carelessly now

4.Where is the passage most probably from?

A．A dictionary       B．The instructions     C．A newspaper       D．An advertisement.

5.The writer wrote the passage in order to ask teens to_______.

A．make major purchases

B．save 100% of their money

C．spend all their savings regularly

D．save money regularly as well as spending

How much should you save? You may be able to save 100% of your money. Does that mean you should? Not at all. The best way to develop good saving habits is to make saving a regular part of your life, along with spending.
Here is the rule you should remember: save before spending. Whenever some money gets into your hands, from a job or your pocket money or whatever, take your savings out immediately, before spending any of the money. The beauty of this system is that if you take away your savings, you are free to spend the rest.
Here are some more suggestions on how to successfully get into the saving habit from teens. Let’s see!
Tony,13: I put my money in a bank instead of my wallet, so the money is not there. And I have to take an extra step to get it.
Bill,14: When considering a major purchase(購買), wait a week or so, at least. This will help you make sure if you still want it, and the price might go down.
Dick, 13: Carry very little money always. You can’t spend money if you don’t have it. A cake would be nice, but without a dollar, you can’t get it. Little things like that really add up quickly.
Steve,16: I used to be weak when it came to money. I bought something whenever I went into a store. I’m glad I’m not that person now. I taught myself discipline by keeping a $20 bill in my pocket while waking around the mall all day and not buying anything. Now I have no strong wish to buy things when I go into a store. It works for me.
These ideas should help you get started. If you have some questions about anything you’ve read here, or would like to share your ideas about saving money, please write to us.
【小題1】How does Tony advise you about saving money?

(一)錄音中有五個句子，每個句子聽一遍，然后從每小題A、B、C中選出能對每個句子做適當反應的答語  
1. A. Thank you. B. With pleasure. C. Very well.
2. A. I\'ll do that. B. Yes, please. C, The same to you.
3. A. Yes, you are right.    B. I\'m glad you like it. C. Never mind.
4. A. Sorry, I don\'t know. B. Certainly. Good idea. D. Sure.  No problem.
5. A. That\'s right. B. You are welcome. C. I\'m afraid I can\'t.
(二)錄音中有五組對話，聽對話兩遍后，從每小題A、B、C三個選項中，選出能回答所給問題的正確答案。
7. Who will receive the present?
A. Bob. B. Bob\'s father. C. Bob\'s mother.
8. Where does the conversation happen?
A. At a meeting.  B. At dinner. C. At a party.
9. How will they go home?
A. On foot. B. By bus. C. By car.
10. What does the woman want to know? She wants to know .
A. what the man usually does after work
B. what the man does with the most of his money
C. how much money the man makes
(三)錄音中有一段對話，聽對話兩遍后，從每小題A、B、C三個選項中，選出能回答所給問題的正確答案。
11. Where is the new sports centre?
A. Near Straight Road.
B. On Long Street.
C. Beside the station.
12. What sport can\'t people do now at the sports centre?
A. Table tennis. B. Volleyball. C. Swimming.
13. How much should you pay for a year-ticket if you are 16?
A. $,40. B. $ 50. C. $ 60.
14. Why will they go to the sports centre next Friday?
A. They won\'t have any classes.
B. They can play there longer.
C. The tickets will be cheaper.
15. What\'s the relationship(關系) between the two speakers?
A. Schoolmates. B. Workmates. C. Twins.
(四)錄音中有一篇短文，聽短文兩遍后，從每小題A、B、C三個選項中，選出能回答所給問題的正確答案。
16. Who is speaking?
A. An answerphone.     B. A manager. C. A policeman.
17. What is the new phone number?
A. 8478966.     B. 8478698. C. 8478696.
18. What are the business hours of the Travel Office?
A. From 8:00 a. m.  to 5 : 00 p. m.
B. From 9:00 a. m.  to 5 :00 p. m.

C. From 9：00 a. m.   to 6:00 p. m.
19. What present can you get if your holiday costs £500?
A. A travel bag. B. A free ticket. C. A special price.
20. What do we know about the North Seas Travel Office?
A. It\'s a little difficult to find its new address.
B. It gives every traveler a present.
C. It has many holidays at special prices.