妈妈跟两个男人一起做:如何安排青少年的花费预算

在孩子们的成长过程中，他们需要学会如何安排自己的零用钱，以及如何将花销保持在可控制的范围之内。当他们还住在家里的时候让他们培养相关的习惯可以帮助他们在父母的监督下实行这些计划。父母应该耐心地陪同孩子们制订出一份平衡预算，这份预算中需包含孩子们所有的花费。如果他们超出了预算，父母应该坚定自己的立场，而不是通过给孩子们更多的零用钱来解救他们。

方法：

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1、

        Determine as a family what expenses the parents will pay for. For example, this could include the teen's room and board, sports equipment, school supplies, medical costs and car insurance. The teen is responsible for paying everything else.

确定整个支出中父母负责的部分。比如说孩子的房间和伙食、体育器材、学习用品、医药费和车辆保险。孩子就应该负责支付其他的部分。

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2、

        List what the teen spends money on. These could include clothes, accessories, books, music, movies, food outside the home, going to events, gifts for friends and family members, a cellphone bill and transportation costs, whether they are for a car or public transportation. Also include a category for charitable giving and one for savings.

列出孩子的花销项目。这可能包括衣服、首饰、书籍、音乐、电影、外出就餐、参加活动，给家人和朋友的礼物、电话账单、交通费——无论是自己的车或者是公共交通。这其中也应包括慈善捐款以及储蓄两种类别。

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3、

        List all sources of income for the teen. Teens get money from a job, savings account interest and allowance. List only the amount of take-home pay, not the amount before taxes.

列出孩子的全部收入来源。青少年会从一份工作、储蓄利息和零用钱中获得收入。只记录真正到手的部分，而不是税前收入。

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4、

        Add the income earned from all sources during the month to calculate the teen's monthly money.

将一个月中所有的收入加总计算孩子的月收入。

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5、

        Prioritize the list of spending categories. Put needs at the top and wants below. For example, you might decide that for needs, savings is most important. The teen might also add transportation and cellphone to the list of needs. The teen can decide how to prioritize the rest of the items, which are wants.

将花费项目排列先后顺序。将必需品放在上方，将想要的部分放在下方。比如说，在所有的必需品中间，你可能觉得存款是最重要的。孩子可能在必需品的列表里加上交通和手机。他们能将剩下的想要的东西按顺序排列。

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6、

        Estimate how much the teen spends per month in each category in the needs section.

估算每月孩子们会在必需品这一块下的每一个项目中花费多少。

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7、

        Add the needs and subtract them from the monthly income. The remaining number is the amount of money the teen can spend on wants.

将必需品的花销加总，再将其从月收入中扣除。剩下的数额就是孩子们能花费在他们想要的东西上的余额。

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8、

        Allocate the remaining money toward the categories in the wants section. Add everything to ensure that the allocated money is not more than the teen's income. If it is, subtract money from some of the categories until the budget is balanced.

将剩下的钱数分配到他们想要的项目上。把所有项目加到一起，确保孩子们花在想买的东西上的钱不会多于他们的收入。如果超过了收入，就要把其中一些项目减去，直到预算得到平衡。