3．How to make a Budget
Most likely，you aren't the family breadwinner．But doing a small job or getting a weekly allowance would put some money in your pocket．For kids and grown-ups alike money is easy to spend．If you aren't careful，it can be gone in no time．
Being responsible with your money is an important skill to learn and the sooner you start the better．Whether you are tracking your spending or saving for something special，creating a budget can help you deal with expenses and plan for the future．All you need are paper and a pencil and some self-control．
First，take a look at our sample monthly budget．Then，use a separate sheet of paper to plan your own．In the first two columns，list your sources of income and how much you expect to earn from them．In the third and fourth columns，list what you expect to spend your money on and the amount．
Sample Monthly Budget
The left-hand total should be more than or equal to the right-hand total．If it is，you have an effective budget．
Budgets are not complex，but sticking to them can be tough．When planning your budget，be realistic about your expenses．If you know that you drop 18at a movie，don't write 12in that space simply because you wish you were spending less．
If you are eyeing a big purchase，such as a 150skateboard，spend less and save more until you have the total amount．No matter how attractive it may be，avoid spending your savings．One day，you will thank yourself!
13．The purpose of making a budget is to help peopleB．
A．learn to be realistic
B．manage their money well
C．increase their savings
D．test their power of self-control
14．What should people do when planning a budget？A
A．Fill in the expenses as they really are．
B．Avoid spending money on expensive things．
C．Set aside a fixed amount of money as savings．
D．List income and expenses on two pieces of paper．
15．Who is the passage written for？D
A．Bank manager
B．Parents
C．Breadwinners
D．Children．
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Most likely，you aren't the family breadwinner．But doing a small job or getting a weekly allowance would put some money in your pocket．For kids and grown-ups alike money is easy to spend．If you aren't careful，it can be gone in no time．
Being responsible with your money is an important skill to learn and the sooner you start the better．Whether you are tracking your spending or saving for something special，creating a budget can help you deal with expenses and plan for the future．All you need are paper and a pencil and some self-control．
First，take a look at our sample monthly budget．Then，use a separate sheet of paper to plan your own．In the first two columns，list your sources of income and how much you expect to earn from them．In the third and fourth columns，list what you expect to spend your money on and the amount．
Sample Monthly Budget
| Monthly income | Amount | Monthly Expenses | Amount |
| Allowance | 20.00 | Snacks | 26.00 |
| Money earned selling drinks | 25.00 | Music downloads | 12.00 |
| Money earned babysitting | 12.50 | Movies | 18.00 |
| Money earned delivering newspapers | 30.00 | Video Rentals | 10.00 |
| Total： | 87.50 | Total： | 66.00 |
Budgets are not complex，but sticking to them can be tough．When planning your budget，be realistic about your expenses．If you know that you drop 18at a movie，don't write 12in that space simply because you wish you were spending less．
If you are eyeing a big purchase，such as a 150skateboard，spend less and save more until you have the total amount．No matter how attractive it may be，avoid spending your savings．One day，you will thank yourself!
13．The purpose of making a budget is to help peopleB．
A．learn to be realistic
B．manage their money well
C．increase their savings
D．test their power of self-control
14．What should people do when planning a budget？A
A．Fill in the expenses as they really are．
B．Avoid spending money on expensive things．
C．Set aside a fixed amount of money as savings．
D．List income and expenses on two pieces of paper．
15．Who is the passage written for？D
A．Bank manager
B．Parents
C．Breadwinners
D．Children．