预算、储蓄与聪明消费
当你清楚钱从哪里来、花到哪里去、想用它实现什么目标时，管钱就会变得轻松很多。
授课专家Ethan Brooks预算与储蓄指导查看简介 为什么要学
这门课程为什么重要
很多年轻人在学会管钱之前，就已经开始收钱和花钱了。
他们可能会拿到零花钱，通过小项目赚钱，在网上购物，订阅数字服务，或者为某样重要的东西攒钱。
如果没有一份基本的计划，就很难弄清楚钱去了哪里，或者为什么储蓄目标没能实现。
这门课程为学生提供一套简单的方法，帮助他们整理自己的钱，控制不必要的支出，一步步实现个人目标。
学习成果
学生将学到什么
- 理解预算的作用
- 认识不同的收入来源
- 记录固定支出和临时支出
- 分清“需要”和“想要”
- 制定一份简单的个人预算
- 设定切合实际的储蓄目标
- 做出更深思熟虑的消费决定
- 比较价格与真正的价值
- 识别并控制冲动消费
- 回顾并改进自己的理财习惯
9 个主题
课程主题
- 01什么是预算？
学生会认识到，预算不是惩罚，也不是限制，而是一份帮助自己决定如何用钱的简单计划。
- 02认识收入
学生会了解年轻人获得或赚取金钱的不同方式，包括零花钱、礼金、兼职和小项目。
- 03认识支出
学生学习如何弄清钱花到了哪里，并区分固定支出和偶尔的消费。
- 04需要、想要与优先顺序
学生练习判断哪些支出是必需的，哪些可有可无，哪些可以先缓一缓。
- 05设定储蓄目标
学生学习如何选定一个明确的目标，估算它需要多少钱，并制定切实可行的达成计划。
- 06自信地消费
学生会探索如何在没有压力、不困惑、不后悔的情况下做出购买决定。
- 07价格与价值
学生会明白，最便宜的不一定是最好的选择，价格更高也不一定意味着更值。
- 08避免冲动消费
学生会发现，情绪、广告、打折促销、社交媒体和同伴影响都可能导致不必要的支出。
- 09回顾你的预算
学生学习如何检查进度、调整计划，并随着时间推移不断改进自己的财务决定。
期末实践活动
我的个人预算与储蓄计划
课程结束时，每位学生都会制定一份简单的个人预算。
- 1记录预计收入
- 2找出主要支出
- 3分清“需要”和“想要”
- 4选定一个个人储蓄目标
- 5确定自己能存下多少钱
- 6设定明确的消费上限
- 7回顾一个想改进的习惯
收获
学生将培养的技能
适合人群
这门课程适合谁？
- 13 至 18 岁的学习者
- 没有任何金融基础的学生
- 有零花钱或个人可支配资金的年轻人
- 正在为个人目标攒钱的学生
- 想弄清楚钱都花到哪里去的学习者
- 希望孩子养成负责任理财习惯的家长
常见问题
关于这门课程的常见问题
What age group is this class designed for?
This class is designed for learners aged 13 to 18.
Does the student need previous finance knowledge?
No. The class is beginner-friendly and explains budgeting, saving, and spending from the basics.
Does the student need to earn an income?
No. Students can practise using an allowance, gifts, imaginary examples, or any money they are responsible for managing.
What will the student learn?
Students learn how to create a simple budget, track income and expenses, set saving goals, make thoughtful purchases, and avoid impulse spending.
What is the difference between price and value?
Price is the amount paid for something. Value considers its usefulness, quality, durability, and whether it supports the buyer's needs and goals.
Is budgeting about stopping students from spending?
No. Budgeting helps students decide how much they can spend, save, and keep available for future priorities. It supports better choices rather than preventing all spending.
Is the class practical or only theoretical?
The class is practical. Students work with realistic examples and create their own personal budget and saving plan.
Does the class include a final activity?
Yes. Each student completes a personal budget and saving plan that can be used and updated in daily life.
Can a complete beginner understand the content?
Yes. All concepts are explained using simple, clear, and age-appropriate language.
Is this class part of a larger programme?
Yes. It is the second class in the Future Leaders in Finance & Business Program.
Does completing this class provide the full programme certificate?
This class contributes toward the programme requirements. The Future Leaders in Finance & Business Certificate is awarded after the learner completes all required classes and programme activities.
Can parents support the learning process?
Yes. Parents can discuss saving goals, review the final budget, and encourage students to apply the skills responsibly at home.