Unit 6 The Value of Money
A Famous Quote:
Never spend your money before you have it.
钱财未到手，绝不提前花。
– Thomas Jefferson
——托马斯. 杰斐逊
Thomas Jefferson (1743-1826), the third President of the United States and primary author of the Declaration of Independence.
Text A Teaching Children to Spend Pocket Money Wisely
Pre-reading Questions:
1. Recall and describe how your parents allocated pocket money to you and how you spe
nt it.
2. What influence does that way of giving pocket money have on kids finance management?
Unit 6 The Value of Money
New words
1. stationery n. 文具
同音词：stationary（静止的）
2. fare n. 车费；船费；飞机票价 （fair）
3. lump sum n. 一次总付的钱款
4. recess n. 课间休息 ，
5. allocate v. 拨（给）；划（给）；分配（给）
6. overspend v. 花钱过多；比（预计的）花得多；超支
注意over- / out-的区别：
overeat outeat
overdo outdo
oversleep outlive
overweight outshine
7. opt v. 选择；挑选
option
optional
8. constraint n. 限制；限定；约束
9. budget v. 谨慎花钱；把…编入预算
10. overindulge v. 过多地享用（尤指食物或饮料）
11. short-sighted adj. 目光溜浅的；没有远见的
12. mentality n. 心态；思想状况；思想方法
13. sibling n. 兄；弟；；妹
14. indulge v. 沉湎，沉迷，沉溺（于…）
15. rationing n. 定量配给政策；配给制
16. principle n. 观念；（行动、思想的）理由，信条
同音词：principal 主要的，首要的
17. unnecessarily adv. 没必要地
18. differentiate v. 区分；区别；辨别
differ different difference
19. inculcate v. 反复灌输；谆谆教诲
20. resist v. 忍住；抵挡
resistant resistance
21. temptation n. 引诱；诱惑
22. scheme n. 计划；方案；体系；体制
23. formation n. 组成；形成
24. kindergarten n. 幼儿园
25. monthly adj. 按月结算的；有效期为一个月的
daily weekly biweekly monthly quarterly yearly
Phrases and Expressions
1. on a daily basis 每日地
2. result in 导致
3. pay off 付清；偿清
4. within one's means 量入为出
5. stand…in good stead （需要时）对某人有用，对某人有利
Teaching Children to Spend Pocket Money Wisely
教孩子们理性地使用零花钱
School-going children need pocket money for food, stationery and bus fares. Parents give pocket money to their children in different ways. Some give a lump sum at the beginning of a month or a week. Others prefer to give pocket money on a daily basis. The way in wh
ich pocket money is given affects how money is spent or saved. On the other hand, the children's spending habits may affect how pocket money is given.
正上学的孩子们需要零花钱来买吃的、买文具，还有支付公交费用。父母们采用不同的方式来给予他们零花钱。有的父母会在月初或每周之初一次性给予孩子们一笔钱，有的更倾向于每天给一些。然而，零花钱的给予方式却影响着孩子们花钱或省钱的方式。另一方面，孩子们的消费习惯也会对父母给予零花钱的方式产生影响。
Pocket money given on a daily basis(过去分词作定语) is sometimes termed as "food money". Children usually use the pocket money to buy food during recess and also at lunch hour if they have school activities in the afternoon. They learn how to manage small sums of money. As the money is limited, they have to control their spending. Some parents choose this method of allocating pocket money in order to(不定式作状语) prevent their children from overspending, hoping that in time（将来，迟早）they can be trusted with（托付）larger sums of money. Parents who earn daily wages may also opt for this due to financial constraints.
time is money
按天来给零花钱有时被称作“零食钱”。下午有学校活动的孩子们通常会用这些零花钱在课间或午饭时间买些吃的东西。他们从中学到了如何管理好一小笔钱。因为钱的数目有限，他们只能有节制地花费。一些家长用这种方式给孩子零花钱，是为了防止他们的孩子过度消费，并期待日后可以放心地给孩子们一大笔钱来支配。按天领取薪资的父母，由于经济拮据，也会选择这个方法。
本部分重点及难点：
1. The way in which pocket money is given affects how money is spent or saved.
(1) the way (in which / that) sb. does sth. （参考Unit 2，Text A）
the way (in which / that) sth. is done
(2) 句子的主干是：The way affects how money is spent or saved.
2. Pocket money given on a daily basis is sometimes termed as "food money".
(1) given on a daily basis 过去分词短语作定语
(2) be termed as 被称为…
3. Some parents choose this method of allocating pocket money in order to prevent their children from overspending, hoping that in time they can be trusted with larger sums of money.
(1) 句子的主干是Some parents choose this method in order to prevent their children from overspending.
prevent sb. from doing sth.与keep sb. from doing sth. 相同，但前者from可以省略，后者不能省略。
(2) hoping that…伴随状语，相当于in the hope that…"怀着……的希望"
(3) in time: sooner or later, eventually 迟早，最后
You will learn how to do it in time. 你迟早会能学会做这件事的。
(4) trust …with…把……托付给…… （参考Unit 3，Text B）
Giving pocket money on a daily basis places responsibilities of budgeting on the parents, instead of the child. The child may spend every single cent of the daily pocket money by overindulging in junk food as they know they will get another sum of money the next day. This results in children being shortsighted in their spending. The thought of saving money never crossed their minds. （承上启下的句子） They may develop the mentality that money is meant to（被打算）be spent.（承上句）Others spend more than they are given. They borrow from their siblings or their classmates when they feel like（想要；有…感觉）indulging themselves. Then they may ask for money to pay off their debts. This habit of borrowing causes them to depend on others to solve their problems.（承上启下的句子）In such instances, the purpose of rationing(配给) is defeated.
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