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중학교 3학년/3학년 동아 윤정미

중3 동아 윤정미 4과 본문 mp3 Ask Dr. Money - 2

by ₯₺﷼₳
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Lesson 4 Be a Smart Spender

Ask Dr. Money

 

Q Hello, Dr. Money. I’m Steve.

 

I have difficulty saving money.

 

For example, I’ve been saving to go to my favorite singer’s concert for the last two months.

 

However, I still don’t have enough money.

 

I don’t know what to do.

 

A Let’s see.

In the last few weeks, you spent 80% of your allowance and only saved 20%.

 

I think you’ve been spending too much.

 

To save money, you need to have a tighter budget.

 

For example, you can follow the 50%-40%-10% rule.

 

Save 50%, spend 40%, and donate the remaining 10% to charity.

 

By following the rule, you can manage your money better.

 

Then you can save money faster to buy the ticket.

 

Q I’m Minji. I like to buy things on sale.

 

If something’s on sale, I buy it although I don’t need it.

 

Last week, I bought two T-shirts on sale, but I already have many.

 

A Buying things on sale is good if you buy things you need.

 

In your case, the problem is that you buy things you don’t even need.

 

Here’s some advice.

 

Before you buy something, ask yourself, “Do I really need this?”

 

Also, before you go shopping, make a shopping list.

 

Don’t buy items that aren’t on the list even if they’re on sale.

 

Then you won’t buy things on the spot.

 

Ask Dr. Money
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