13．The problem of debt（债务）among teenagers in western countries is becoming worse and worse．Aren't they following their parents advice，or aren't the parents teaching their children about money？Here is some advice that children as young as eight or nine can understand．
First of all，you should learn to save before you buy．When you receive money，you should save some of it，maybe 30%．After this，spend what you want．Secondly，you'd better watch your money．Don't trust other people with it．Don't lend money and don't try to buy friends．If friends want your money，they aren't real friends．Another piece of advice is to buy only what you can afford．If that MP5PLAYER OR iPhone costs more than you have，then you don't need it．Don't borrow money for it，either．If you really want something，you can save for it．Saving teaches discipline（自律）．Also，after you have saved up enough money，you may realize you don't really want it after all．Finally，you are supposed not to compare what you have with what your friends have．That expensive paid of your friend may be borrowed or paid for with borrowed money．
There is an old saying："Give a person a fish and he will eat for a day．Teach person how to fish，and he will eat or the rest of his life．"This is also true when we teach our children about money．Don't buy everything your children want．If you teach them good habits，they will always look after their money．
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First of all，you should learn to save before you buy．When you receive money，you should save some of it，maybe 30%．After this，spend what you want．Secondly，you'd better watch your money．Don't trust other people with it．Don't lend money and don't try to buy friends．If friends want your money，they aren't real friends．Another piece of advice is to buy only what you can afford．If that MP5PLAYER OR iPhone costs more than you have，then you don't need it．Don't borrow money for it，either．If you really want something，you can save for it．Saving teaches discipline（自律）．Also，after you have saved up enough money，you may realize you don't really want it after all．Finally，you are supposed not to compare what you have with what your friends have．That expensive paid of your friend may be borrowed or paid for with borrowed money．
There is an old saying："Give a person a fish and he will eat for a day．Teach person how to fish，and he will eat or the rest of his life．"This is also true when we teach our children about money．Don't buy everything your children want．If you teach them good habits，they will always look after their money．
完成下列表格．
| Introduction | Debt among western teenagers is increasing | |
| Body | Save before you buy | What to do |
| Save before you buy | As soon as you received money，you should （81）save about 30% before spending what you want． | |
| Watch your money | Don't lend money and don't to buy（82）friends． | |
| Buy what you can （83）afford | If something costs more than you have，then you don't need it． | |
| Don't compare what you have with what your friends have | That expensive iPad of your friend may be borrowed or （84）paid for with borrowed money． | |
| Conclusion | If you teach them good（85）habbits，they will take good care of their money． | |
I am a professor of sports and exercise so I often deal with nervousness in my research with sports people．Actually，most people experience nervousness at some time or another．
Qi Haoran，a Junior 1student in Harbin，was quite busy over the past winter vacation-and not just with homework．Qi，together with 10other classmates made a volunteer group to call on people to join the Clean Your Plate Campaign（光盘行动）．