It's fun to receive presents. It also feels good to give presents to others. So what's the best way to budget your money and shop (1)
wisely
?
Susan Beacham of Money Savvy Generation, a US company that (2)
teaches
money-management skills to kids, has some advice.
“My first tip is (3)
to make
a list,” says Beacham. She suggests that kids talk (4)
with
their family about to whom they should give gifts and how much they should spend.
Take the list with you to the store. “Make sure that you do the maths,” says Beacham. “If you spend 30 on someone you are going to spend 25 on, you have to spend 5 (5)
less
on somebody else.” The key to budgeting is staying within the boundaries(界限) you've set for (6)
yourself
.
What will you do if you just can't stop (7)
buying
things once in a mall? The answer is pretty easy—bring only a small amount of money with you. If you see something more expensive that you really want to buy, wait a few days and see if you're still thinking (8)
about
it. Chances are that you won't even remember it.
Do you have enough money? If not, make changes. And don't forget—not everyone (9)
needs
a store-bought gift. Some of the best presents (10)
are
free.
