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

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