Номер 2, страница 95, часть 1 - гдз по английскому языку 8 класс учебник Демченко, Севрюкова

2. a. Read the text about managing pocket money. Are any of your ideas mentioned?

Five hacks to manage pocket money

Money management is an important skill that all people should possess, but teenagers don't often know how to take intelligent decisions about their pocket money.

Here are five simple hacks about how to budget your money properly.

1. Teenagers are often impulsive and as soon as they get pocket money, they tend to spend it on some games or snacks. Keep in mind that the money spent is money gone forever. It's a good habit to ask yourself if you really need it and choose necessity over desire because what we want isn't always what we need. The new smartphone may cost a fortune, but are you sure it will change your life for the better?

2. If you are struggling to make ends meet, why not earn some extra money? Did you know that in most countries, including Belarus, you can get a part-time job starting from the age of 14? If you can't get a job, ask your parents if you can do additional chores for some extra cash. It will help you understand the relationship between hard work and money. Once you realise that the money you get is hard-earned, you will save it for something you need rather than pour it down the drain.

3. Piggy banks and saving jars (банки / слоікі) remind you that saving money is good. As you grow older, your needs and dreams grow too. Bigger dreams will cost a lot more money than a packet of crisps you used to buy in primary school. So you need a bigger and better piggy bank. Ask your parents to open a savings account for your long-term dreams. Look for an account that offers high-interest rates, which are bonuses that the banks give you for keeping your money in one of their accounts. Make sure you put in 50% of your pocket money into this account every time you get your allowance. You might have to tighten your belt for a while, but just imagine how much you will have in a year!

4. This can be hard because as a teenager you might be earning money by doing things like babysitting or mowing lawns and those kinds of jobs are usually paid in cash. And cash is the hardest thing to track. If you are always short of money, try using some mobile apps to keep track of your expenses (траты / выдаткі) and analyse what you spend the money on.

expensive (adj.) – expenses (n.)

5. There are a lot of ways how to cut down on your expenses when it comes to things you really need. Always keep the receipt in case you need to return what you have bought. Look for bargains: sometimes you can buy things on sale at half-price. Think about what you can get for free. Instead of going to the movie or paying to get into a skating rink, try going to the park and playing football with your friends, or get together and play a board game.

6. If you are broke (на мели / на мелі) from time to time and feel like borrowing money from your friends, think twice before you do that. Keep in mind that you will have to pay the money you owe them back one day. Are you sure you will be able to do it in the future and not get even more into debt?

7. You probably spend a lot of your time scrolling through social media. And every second you are online, you can see your friends’ trips, family parties and even total strangers’ luxury lifestyle! Every time you do that, you compare yourself with others. Avoid FOMO, a fear of missing out. It’s easy to think everyone is having more fun than you are. It’s important, though, not to give up what you want most for what you want now, because you can end up spending money on things you can’t afford and don’t need. Go back to point 1.

b. Match the headings with the paragraphs.

A. Shop Responsibly

B. Be Happy with What You Have

C. Decide if You Really Need It

D. Earn It

E. Save It

F. Don’t Borrow Money

G. Keep Track of Your Expenses

b. Сопоставьте заголовки с абзацами.

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