Money makes the world go around, yet the best things in life are free.
金钱使世界运转，然而生命中最美好的事物是免费的。
A penny saved is a penny earned, but you get what you pay for.
省一分钱就是赚一分钱，但一分钱一分货。
You probably have your own ideas about spending money.
你很可能对花钱有你自己的想法。
Now it is a great time to learn how to spend money wisely.
现在是学习如何明智花钱的大好时机。
When you are considering buying something you want, run through this checklist first.
当你正在考虑购买你想要的东西时，先过一遍这个清单。
How much do you really want it?
你有多想得到它？
Seeing a $25 (172 yuan) gum ball machine, Peter wanted it.
看到一台25美元（172元）的糖球机，彼得想要它。
But after thinking about it, he decided that it would be exciting only for a day or two.
但在思考它之后，他判定它将仅仅让人兴奋一两天。
"Besides, it's not possible for me to chew that much gum," he said wisely.
“而且，对我来说是不可能嚼那么多口香糖的，”他明智地说道。
Do you still want it a week later?
一周后你还想要它吗？
If the thing passes the "really-wanting-it" test, try to wait for some time (maybe some days or a week) to see how strong the desire is.
如果这个东西通过了“真的很想要”的测试，试着等待一段时间（也许是几天或一个星期）来看看这种渴望有多强烈。
Perhaps at that time, you don't want it any longer.
也许在那个时候，你不再想要它了。
This strategy works for grown-ups, too!
这个策略对成年人也起作用！
Do you have enough money?
你的钱够吗？
After the first two steps, Peter found he really wanted a toy ship, but it cost $50.
在前两个步骤之后，彼得发现他真的很想要一艘玩具船，但它花费50美元。
He had $22 in his pocket and gets $1.50 a week to spend.
他口袋里有22美元，并且每周得到1.50美元来花。
His mother helped him work out how many weeks he would need to save to get the ship: 19.
他的母亲帮助他计算出他将需要存多少周来得到这艘船：19周。
Are there ways to earn the money?
有没有赚钱的方法？
Peter had a lot of things to do to help his family.
彼得有很多事情要做来帮助他的家庭。
He could water the flowers, do the dishes or walk the dog.
他可以浇花、洗碗或遛狗。
Finally, he decided to wash the downstairs windows at a dollar each.
最后，他决定以每扇一美元的价格去擦底楼的窗户。
So he got $10 for himself and sparkling sunlight for the rest of the family.
于是他为自己得到了10美元，并为家里的其他人得到了闪闪发光的阳光。
Can you get it cheaper?
你能买到更便宜的吗？
After deciding to buy it, it is necessary for you to look for less expensive ways to buy it; search for what you want on the Internet or in shops and flea markets.
在决定购买它之后，对你来说有必要去寻找更便宜的方式来购买它；在互联网上或者在商店和跳蚤市场里搜寻你想要的东西。
Sometimes you can find the same thing at a much lower price.
有时你可以以低得多的价格找到相同的东西。
If these suggestions work well, they can save you a lot of money.
如果这些建议起作用，它们能为你省很多钱。
You will be a really smart shopper.
你将会成为一个真正聪明的购物者。
全英文全文 (Full English Text)
Money makes the world go around, yet the best things in life are free. A penny saved is a penny earned, but you get what you pay for. You probably have your own ideas about spending money. Now it is a great time to learn how to spend money wisely.
When you are considering buying something you want, run through this checklist first.
How much do you really want it?
Seeing a $25 (172 yuan) gum ball machine, Peter wanted it. But after thinking about it, he decided that it would be exciting only for a day or two. "Besides, it's not possible for me to chew that much gum," he said wisely.
Do you still want it a week later?
If the thing passes the "really-wanting-it" test, try to wait for some time (maybe some days or a week) to see how strong the desire is. Perhaps at that time, you don't want it any longer. This strategy works for grown-ups, too!
Do you have enough money?
After the first two steps, Peter found he really wanted a toy ship, but it cost $50. He had $22 in his pocket and gets $1.50 a week to spend. His mother helped him work out how many weeks he would need to save to get the ship: 19.
Are there ways to earn the money?
Peter had a lot of things to do to help his family. He could water the flowers, do the dishes or walk the dog. Finally, he decided to wash the downstairs windows at a dollar each. So he got $10 for himself and sparkling sunlight for the rest of the family.
Can you get it cheaper?
After deciding to buy it, it is necessary for you to look for less expensive ways to buy it; search for what you want on the Internet or in shops and flea markets. Sometimes you can find the same thing at a much lower price.
If these suggestions work well, they can save you a lot of money. You will be a really smart shopper.