Dave is my friend. His family is rich. His parents always give himlots of pocket money(零用钱). But Dave thinks his parents work very hard and it's not easy forthem to make money, so he always tries to save money. He has some good ways todo it.

Dave likes books. He tells me he often buys books online, because they'recheaper. And when he is free, he often goes to bookshops to do some reading. Davehas a bike. He usually goes to school by bike instead of(代替) taking a bus. Sometimes whenit rains or snows, he walks. These two ways help Dave keep healthy and savemoney.

Dave brings a bottle of water to school every day. When others drinkjuice, he enjoys water. He says water is the cheapest and the best drink.

Some students think Dave is mean(吝啬的). But I don't think so. I think he is right.

One Day of a Middle School Student

My name is Jill Green. I am a teacher of a middle school in England. 1 want to tell the school day of my school to you.

{#blank#}1{#/blank#}The first lesson is at 9:20 a.m. It lasts(持续) an hour. The students can have a break(休息) from 10:20 a. m. to 10:45 a. m. Most girls like to talk, but most boys like to play ball games.{#blank#}2{#/blank#}After the break, students have the second lesson. During(在.....期间) the first quarter of the lesson, teachers usually have a test(测 试)for the students.{#blank#}3{#/blank#}

Lunch time is from 12:00 to 1:10 p. m. All students have their lunch at school. After lunch, students like to go to some clubs. {#blank#}4{#/blank#} They can also watch TV, play games or tell stories in the clubs.

Students read some books and have the last lesson in the afternoon.{#blank#}5{#/blank#}Then students go home.

    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.