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The problem of debt(債務) among teenagers in Western countries is becoming worse and worse. Aren’t they following their parents’ advice, or aren’t the parents teaching their children about money? Here is some advice that children as young as eight or nine can understand.

First of all, you should learn to save before you buy. When you receive money, you should save some of it, maybe 30%. After this, spend what you want.

Secondly, you’d better watch your money. Don’t trust other people with it. Don’t lend money and don’t try to buy friends. If friends want your money, they aren’t real friends.

Another piece of advice is to buy only what you can buy. If that iPad or iPhone costs more than you have, then you don’t need it. Don’t borrow money for it, either. If you really want something, you can save for it. Also, after you have saved up enough money, you may understand you don’t really want it after all.

Finally, you should not compare(比較) what you have with what your friends have. Your friend may have an expensive iPad. However, your friend may borrow it or pay for it with borrowed money.

There is an old saying: “Give a person a fish and he will eat for a day. Teach a person how to fish, and he will eat for the rest of his life.” This is also true when we teach our children about money. Don’t buy everything your children want. If you teach them good habits, they will always look after their money.

Introduction	Debt among 1. teenagers is increasing
Body	2.	What to do
First, save before you buy.	As soon as you receive money, you should 3. about 30% before 4. what you want.
Second, 5. your money.	Don’t lend money and don’t try to buy 6. .
Third, buy what you can buy.	If something costs more than you have, then you 7. buy it.
At 8. , don’t compare what you have with what your friends have.	Your friend may borrow an iPad or 9. for it with borrowed money.
Conclusion	If you teach them good habits, they will take good 10. of their money.

Answer 1