Bill and Cathy wanted to go on a holiday. They chose a place called Maldives（马尔代夫）. And they decided {#blank#}1{#/blank#} there for two weeks in spring，because the {#blank#}2{#/blank#} there was perfect at that time. They thought they would have a {#blank#}3{#/blank#} trip. But their tip was more like a nightmare（噩梦）!

    The plane {#blank#}4{#/blank#} off twelve hours later because of the bad weather. And they couldn't fly to Maldives {#blank#}5{#/blank#} there was a storm. They had to fly to the capital city instead. There they stayed in a small hotel near the airport.

    The hotel was next to the sea, {#blank#}6{#/blank#} the sea was so dirty that they couldn't swim in it. The food in the hotel was awful, too. For breakfast there {#blank#}7{#/blank#} only bread and milk! Because of the bad weather, they had to stay {#blank#}8{#/blank#} another night in the small hotel. And they had {#blank#}9{#/blank#} to do. It was so boring. {#blank#}10{#/blank#} , they arrived in Maldives three days later. And someone told them the weather there had been wonderful all the time!

    In 2009 a group of parents in Lymington started sharing worries about their children's money-management skills. Pocket money was now stored in a building society rather than a piggy bank (储蓄罐); household shopping was done online; the children rarely saw their parents handling cash. They were spending online, too. Money had become intangible. How, then, were children to learn its value?

The answer they came up with was GoHenry, an app now available in America as well as Britain. It is designed to help young people learn good spending habits through real-world money activities. Parents sign up with their own bank accounts and pay a monthly fee of £2.99 or $3.99 for each child aged six or over. Adults and children download separate versions. Parents can schedule pocket money and set chores. When those are marked as done, the child is paid the agreed amount. Parents can see what the child has bought and where. And they can choose where the card can be used: in shops, online or at ATMs.

Children get cards printed with their name. They can put money in savings pots, view their spending and balances, and set savings targets. "They could decide to save ten dollars for a friend's birthday in four weeks' time, or set a goal at 12 to have $2,000 to buy a car at age 18," says Dean Brauer, one of GoHenry's founders. "The app tells them how much to save each week to meet their goal."

A big benefit of such apps is that they inspire family conversations about money. According to the latest research, more than half of British parents find the subject hard to discuss with their children. And yet most agree that children's attitudes to money are formed in their early years.

Some GoHenry customers are wealthy parents who worry that their children will grow up with little knowledge of money. Others have slim incomes but regard the app as a preparation for their child's future. Some say that they have been in debt and want their children to avoid that mistake when they grow up; others that the app is cost-effective because their children learn to plan spending. Even though young people no longer touch and hold money, they can still be taught to handle it well.