EVERYBODYinthisworldisdifferentfromoneanother.Butdoyouknowthatunderstandingdifferencescanhelpyoubettermanageyourmoney?Aswegrowup,wegraduallydevelopasetofourownvaluesorbeliefs.Theseareinfluencedbysociety,

　　EVERYBODYinthisworldisdifferentfromoneanother.Butdoyouknowthatunderstandingdifferencescanhelpyoubettermanageyourmoney?

　　Aswegrowup,wegraduallydevelopasetofourownvaluesorbeliefs.Theseareinfluencedbysociety,ourfamily,theeducationwereceiveandsoon.Oncethisvaluesystemissetup,it’snoteasytochangelaterinlife.

　　Financialexpertssaythateveryonealsohastheirownbeliefofhowtomanagetheirfinances.Thisispartofourvaluesystemandithasagreatimpactonthewaywelookafterourmoney.

　　Accordingtoourdifferentvalues,expertsputusinthreecategories.Theyare:theant,thecricketandthesnail.

　　Theant—worksfirst

　　Justlikeantswhoworkheartandsoulinsummerinordertostorefoodforwinter,thesepeopledon’tcareaboutenjoyingthemoment.Theyworkveryhardandsavemoneytheyearnsothattheycanenjoylifewhentheygetoldandretire.Theantlovestosavebuttheycouldmakemoreoutoftheirmoneyiftheywerewillingtoinvestinsomefundsandstockswithlowrisk.

　　Thecricket—funfirst

　　Thecricketwantstoenjoyeverythingnowanddoesn’tthinktoomuchaboutthefuture.Theyevenborrowmoneywhentheyreallywantsomething.Manyyoungpeoplenowbelongtothisgroup.Thesepeoplehavelittlesavings.Whentheygetold,theymighthaveproblems.Theyshouldlearntosaveandbuyinsurance.

　　Thesnail—livesunderpressure

　　Thesnailreferstopeoplewhomakelifedifficultforthemselves.Theytakebiglong-termloansfromthebankinordertobuythingssuchasluxuryhouses.Theyarehappytotakebigloanseventhoughtheyarenotsuretheycanaffordit.Thiscancauseproblemsinthefuture.Theyshouldplanmorecarefully.

　　小题1:Wecanlearnfromthetextthat_____.A．wespendmoneybecausewehaveearneditB．savingmoneyisagoodwaytomanagemoneyC．yourwayofmanagingmoneyisareflectionofyourvalueorbeliefD．spendingmoneyisawiserway小题2:Ofthethreetypesofpeople,theonethathasnoweaknessis_____.A．theantB．thesnailC．noneofthemD．thecricket小题3:Ifyouhadthreedollars,youwouldspendallofit.Which