Using money is a science
用钱与花钱从深层次的角度理解,是两个不同的概念。“花钱”有随意性强,“用钱”指把钱用在必需上,充分体现钱的真正功能。从我们的调查中发现,零用钱的使用全部由自己支配,但使用的计划性、节制性不强。有计划的只有26、7%,其他都无计划或无节制。调查中还发现部份家长对中学生处理零用钱的态度不明朗,或许并不关注中学生的消费观念,消费状况;或许忙于工作、家务无暇顾及,听之任之;还有部份家长把零用钱的多寡,作为激励的筹码,学习好,就多给一点零用钱,学习差就少给点,这样,有些中学生为了多拿点零用钱就会采取一些不恰当的方法。当被问及如果有人向你借钱,你会借给他吗?88%的中学生选择看情况,说明目前的中学生在这方面的处理上还是比较谨慎理智的。对于是否捐献给希望工程,只有5%的中学生有经常性的行为。分析其中原因,也许囿了囊中羞涩,也许对捐献的社会意义还没有足够的认识。如果每个中学生每年捐献10元,不知可以让多少个西部贫困山区的失学儿童重返校园。调查中还发现没有一个同学能把剩余的零用钱放进银行储存,由此可见,中学生的理财意识相当薄弱。
Money and money are two different concepts from a deep perspective. "Spend money" has a strong sense of randomness, "use money" means to spend money on necessities, fully reflecting the real function of money. From our survey, we found that the use of pocket money is entirely at our own disposal, but the use of planning, moderation is not strong. Only 26 or 7% of them have plans, and others are unplanned or uncontrolled. The survey also found that some parents' attitude towards the middle school students' handling of pocket money is not clear, they may not pay attention to the consumption concept and consumption situation of the middle school students; they may be too busy with work and housework to take care of and let it go; some parents regard the amount of pocket money as the incentive code, and give more pocket money if they are good at learning, and less if they are poor at learning. In this way, some middle school students In order to get more pocket money will take some inappropriate methods. When asked if someone borrows money from you, will you lend it to him? 88% of middle school students choose to see the situation, which shows that the current middle school students are more cautious and rational in this regard. Only 5% of middle school students have regular behaviors about whether to donate to hope project or not. Analysis of the reasons may be constrained by the shyness of the purse, or the social significance of donation has not been fully understood. If every middle school student donates 10 yuan every year, I don't know how many out of school children in the western poor mountainous areas can go back to school. The survey also found that no one can put the rest of the pocket money into the bank, which shows that the financial awareness of middle school students is quite weak.
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