Ask Dr. Money
Teens’ Spending Habits
How smart are you with your ____?
These are the ____ of a survey of 100 students at Green Middle School.
We ____ asked students “Are you smart with your money?”
As Graph 1 shows, 70% answered “No” ____ 30% answered “Yes.”
We then asked the students ____ answered “No” what their biggest money worry is.
As ____ 2 shows, 60% think they don’t have enough allowance while 28% think they have difficulty saving money.
Lastly, 12% said they spent money on things they ____ need.
Our survey shows that the majority of students think they are ____ smart with their money.
Managing ____ is not easy, and becoming a smart spender takes effort.
Do you have any money worries?
Let’s talk with Dr. ____.
I’m Jason. I ____ a weekly allowance, but I never have enough.
By Thursday, all of my money is ____.
I don’t ____ how to solve this problem.
Hi, I’m Dr. Money. Let’s look at your spending ____.
You used up most of your ____ at the beginning of the week.
____ my tip. Don’t carry around all of your weekly allowance.
Divide the ____ into days.
Then carry only the money you need for each ____.
Q: Hello, Dr. Money. I’m Steve.
I have ____ saving money.
For example, I’ve been saving to go to my ____ singer’s concert for the last two months.
However, I still don’t ____ enough money.
I don’t ____ what to do.
Let’s see. In the last few ____, you spent 80% of your allowance and only saved 20%.
I think you’ve ____ spending too much.
To save money, you need to have a ____ budget.
For example, you can follow the ____ rule.
Save 50%, spend 40%, and ____ the remaining 10% to charity.
By following the rule, ____ can manage your money better.
Then you can save ____ faster to buy the ticket.
Q: I’m Minji.
I like to buy ____ on sale.
If something’s on sale, I ____ it although I don’t need it.
Last week, I bought two T-shirts on ____, but I already have many.
Buying things on ____ is good if you buy things you need.
In your case, the problem is that you buy ____ you don’t even need.
Here’s some ____.
Before you buy something, ask ____, “Do I really need this?”
Also, ____ you go shopping, make a shopping list.
____ buy items that aren’t on the list even if they’re on sale.
Then you won’t buy things on the ____.