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Not a Penny to My Name 赚钱不易花钱快

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课文讲解

Summer’s been over for a while now, but I can’t get it off my mind. My job at the bookstore was a great experience. I worked hard and played hard. Actually, when it comes to playing, I definitely went a little overboard. Nearly all my money has gone up in smoke.

夏天已经结束一段时间了，但它还是在我心中徘徊不去。我在书店的工作确实是个很棒的经验，我努力工作也努力玩乐，事实上，说到玩乐，我确实有些玩过头了，几乎所有的钱都被我花光了。

I don’t even know how much money I made, but I am sure of how little I have left: NT$1,000. The only reason I still have that is because my mom found it when she washed my jeans. My parents gave me a serious talk about saving my money. As much as it kills me to admit it, they are right.

我甚至不知道我到底赚了多少钱，但能确定的是，我所剩不多：一千块台币。会剩下这一千块也只是因为我妈在帮我洗牛仔裤时，在裤子口袋发现它的身影。我的父母训了我一顿，告诉我存钱的重要。虽然承认这件事就像要我的命，但他们真的是对的。

I own some great new clothes, but I really should have put away a little cash for a rainy day. Fortunately, I have just enough money left to open a savings account. The next time I get any money as a gift or from work, I’ll be sure to save at least half of it.

我的确多了不少好看的新衣，但我确实需要留一点现金以备不时之需，还好我剩下的钱刚好够在银行开户。下次不管拿到礼物或是工作赚来的钱，我一定至少会存一半。

单词发音

Vocabulary

penny [ˋpɛnɪ] n.【美】一分；一分硬币

One hundred pennies equal one US dollar.

go overboard 过分; 做得太过火

I think I went overboard with eating popcorn and now my stomach hurts.

serious [ˋsɪrɪəs] adj. 严肃的; 认真的

The man made a serious effort to start exercising more often to lose weight.

admit [ədˋmɪt] v. 承认

(admit-admitted-admitted)

Nathan admitted to his mother that he accidently broke the flower vase.

cash [kæʃ] n. 现金，现款

This cafe only accepts cash, so you cannot pay with a credit card.

savings account 储蓄存款户头

account n. 账号

You can save your money in a savings account with the bank.

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not a penny to my name 我身无分文

go up in smoke 被烧光；化为乌有

put away  储存…备用

课文朗读

课文讲解

Mastering Money Management  学会理财享受人生

Some people, especially teenagers, only think carefully about how to manage their money after it’s already gone. To avoid the embarrassment of going broke, people should do a little financial planning. Furthermore, it’s important to have a nest egg in case of emergencies.

有些人，特别是青少年，只有在钱花光后才开始仔细思考如何理财。为了避免沦落身无分文的窘境，稍微做些理财规划是有必要的。此外，留些存款以备不时之需也是非常重要的。

All you need is a pen and some paper to get started. In less than a minute you can write down a simple budget. This plan includes the amount of money you get in a month as well as the daily expenses you cannot avoid, such as buying food. The money that is left over can be divided into money for saving and money for fun.

要开始做理财规划，你只需要一支笔和几张纸就足够了。你可以在短短一分钟内写下一个简单的预算，这个预算计划包括了你一个月进帐的金额，以及像购食物等每日不可或缺的花费。而剩下的钱就可以被分为储蓄金及娱乐花费。

As for saving money, keeping it in a savings account at the bank is a wise choice. It will be safe, of course, and banks even offer interest. Finally, when you come across an item at the mall that you would like to purchase, but you don’t really need, always think twice before pulling out your wallet.

至于储蓄，把钱存在银行是明智的选择。它不仅理所当然很安全，银行甚至还会提供利息。最后，当你在购物中心看到你想买、但不是真的需要的东西时，别忘了在掏出钱包前三思。

－by Geoffrey Trager

单词发音

Vocabulary

manage [ˋmænɪdʒ] v. 管理

(manage- managed-managed)

manager n. 经理

The boss managed the company by cutting costs and hiring good workers.

go broke 破产

Rick went broke after he spent all of his money on a fancy sports car.

nest egg 储蓄金

She's opening a new store but has a nest egg in case that the business fails.

budget [ˋbʌdʒɪt] n. 预算

The family made a budget of how much they could spend on their vacation.

expense [ɪkˋspɛns] n. 支出

Recording your daily expenses is important for money management.

offer [ˋɔfɚ] v. 给予，提供

Our restaurant offers many different kinds of food for you to try.

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embarrassment [ɪmˋbærəsmənt] n. 窘；难堪

as well as (除某人[某事物/做某事]外)也, 还, 而且

come across 偶然碰见

purchase [ˋpɝtʃəs] v. 购买

think twice  重新考虑；三思