I am a financial expert

Chapter 3 Prove I Can!The right to control money belongs to me (1)
Ways to Make Money for Teens
Almost the vast majority of teenagers get money from family subsidies.But there are also a small number of teens who do not receive assistance from home, and your parent's financial situation or money philosophy may mean that you will receive little or no assistance.So how should teenagers make money?
1. From your family: Your parents may reward you with some money for getting a good grade in school, or doing various chores for the house, or reading a certain number of books.If you do the same chores for your sister and brother at home, they may give you money too.

2. Sell items: If your basement or locker is full of items you don't like or don't need, consider selling them (this could include game programs, toys, clothing, and comic books, but some you rely on items not to be discarded).You can start yard sales around your neighborhood, and you can even sell other people's unused items for a small price or fee.

3. A job.It's probably the most efficient way to make money, with teens working full-time during the summer or often part-time.

jobs for teens
Believe it or not, you can certainly find plenty of jobs for you as a teenager.You have many options besides working as a babysitter or working a part-time job at McDonald's, and some of the many ideas below may appeal to you.

1. Pet sitters.When one of your neighbors needs to go away for an extended vacation, they may have a pet in their house to take care of.At the same time, when people need to work overtime for a long time in a certain period of time, in these cases, if you take his pet out for a walk and take care of it, your neighbor should pay for you.

2. Work for your parents.Whether your mom or dad owns a business, they might need your help, and even if they work for a company, you might be able to find a temporary job with them. (Also you can get some help from your parents' friends.)
3. Tutoring.Many teenagers can easily find a tutoring job for about 5 yuan an hour.If you have a high level in a certain course, you can also help other students learn the course more deeply, and then get a certain fee.

4. Lifeguard.At present, some lifeguards are needed in many places, and even some lifeguards can earn 10 yuan an hour. If you have the necessary skills needed in this area, you can consider some of this job.

5. Go camping.It is possible to find a job while you are away from camping activities, such as helping with child care, watching and leveling the camp, preparing food and other daily tasks.

6. Jobs that match your interests.If you enjoy spending time with young children, you can find help at a child care center not far from your home.If you enjoy the outdoors, contact your local parks department.If entertainment or movies are your thing, look for work at entertainment centers or movie theaters.

7. Plowing, mowing, snow removal, garden care.These are very similar jobs.If some clients know that you are better at this kind of work, they will definitely use your services for this kind of work in other seasons.

8. Department stores.The best thing about this job for you is that you get frequent employee discounts on shopping, and you get a commission on sales.

9. Become an artistic creator.If you're interested in handicrafts or artwork, you can get your hands on jewelry or other types of items and then sell them, online from your computer.Some photographers or painters also make money by selling their work online.

10. Care for the elderly.Jobs caring for the elderly are not just found in nursing homes or nursing homes, but you can also look for the same jobs around your home.Many elderly people have a limited range of activities. They may need your services to buy some daily necessities, do some temporary housework or go out to run errands, which can also bring you a certain amount of income.

11. Golf caddy.Being a golf caddy not only allows you to have a deeper understanding of this sport, but also provides you with an opportunity to meet those successful people in the business world, and to understand and learn from their successful business experience.They may also bring you valuable opportunities and information to find other employment.

12. Deliver newspapers.If you can apply for a sufficient amount of delivery business, you can get a lot of income from this submission job.Many teens can even make $100 to $200 a week, maybe more.

13. Use your skills.Think about what you are good at that you can teach other adults or children, you could teach foreign language lessons or piano lessons.If you are good at writing articles, you can contribute to newspapers or magazines.

14. Volunteer.If none of the above options are suitable for you or fail, or if you are making your first choice, you may consider becoming a volunteer.Don't always put getting paid first. Be a "strategic volunteer" and consider a company or field that you want to know and learn. When you are a volunteer, you actually gain valuable internship experience.If you want to be a doctor, consider volunteering in a nursing home or hospital.

Save money by eating less snacks
Since ancient times, both ordinary people and revolutionary leaders have regarded "waste ashamed, thrift as pride".The story of Premier Zhou Enlai's diligence and frugality is well known to all women and children, and it has become a good story.He has always advocated hard work, diligence and thrift to build a country, and required that "all hospitality must be economical and simple, and extravagance should be avoided, and the style of hard work and revolutionary spirit should be lost."Comrade Zhu Guangya once recalled such a story: On December 1961, 12, a special committee was convened to review a plan of the Second Ministry of Machinery Industry at that time. The meeting barely ended from morning to noon. Premier Zhou invited everyone to have lunch .On the dining table is a large pot of boiled tofu and cabbage with meatballs, surrounded by small plates of sesame seed cakes and pickles.Premier Zhou dined with everyone and ate the same meals.This is true for national leaders, let alone our teenagers.

There is such a folk tale:
According to legend, at the foot of Funiu Mountain in the Central Plains, there lived a farmer named Wu Ming. He was diligent and thrifty in managing his family all his life, carefree and happy.When he was dying, he gave his two sons a horizontal plaque with the word "diligence and thrift" on it, and warned them: "If you want not to starve for a lifetime, you must follow these two words." Later, when the two brothers separated, they sawed the plaque in half, the eldest got a character for "diligence" and the second got a character for "thrifty".The boss hangs the word "Qin" in his home respectfully, "Rest at sunset and work at sunrise" every day, and the grain will be plentiful every year.But his wife spends money lavishly, and the children often throw away the free steamed buns after a few mouthfuls, so there is always no food left in the family.

Since the second son got half of the plaque, he also put the word "Jian" as an "oracle" in the middle hall, but forgot the word "Qin".He is negligent in farming and unwilling to cultivate intensively, so he gets very little food every year.Although the family is saving money on food and clothing, they often have no food to eat.There was a severe drought this year, and the homes of the eldest and the second child were already empty.

In desperation, they tore off the plaque and crushed the words "diligence" and "thriftiness" to the ground.

At this time, suddenly a note flew in from the window, and the two brothers hurriedly picked it up and looked at it. It said: "If you are only frugal but not diligent, if you sit and eat, you must suffer from poverty and starvation!" The bowl at the bottom is always full!" The brothers suddenly realized that the words "diligence" and "thrifty" complement each other and are indispensable.After learning the lesson, the two of them posted the words "diligence and thrift in housekeeping" on the door of their house, and kept reminding themselves, admonishing their wives and children to do what they did, and life became better day by day.

A penny saved is actually a penny produced.If every teenager eats one yuan less snacks a day, he will eat less 365 yuan a year, and 13 billion people in China will eat about 4745 billion less snacks.What a huge number that is.For those of us who don't know how to make money, not eating snacks is actually making a lot of money!We can save our pocket money.The accumulated pocket money can be used to buy some useful books.You can also save your pocket money and donate it to those who need it more.

The Philosophy Contained in Borrowing and Repaying Money
Although paying back the money is justified, some people who pay back the money on time can always be praised by others. As the saying goes, "It's easy to borrow and pay back, and it's not difficult to borrow again."Therefore, you must be trustworthy in repaying the money, and you can't yell "Wolf is coming" every day, just don't pay back other people's money.This kind of person is generally the most annoying to others, and probably no one will be willing to lend money to this kind of person in the future.Presumably every teenager has encountered such a situation.

However, when repaying the money, it should also be based on a series of situations. A little carelessness may make the other party feel very uncomfortable, and at the same time be looked down upon by other friends.There is a little story below.

In middle school, a classmate had a good relationship with his roommate. Once he needed 15 yuan, so he borrowed 15 yuan from his roommate.When paying back the money, I gave the roommate 20 yuan, saying that you don't have to change the five yuan.But the roommate refused, and just gave the two yuan to the classmate in front of everyone.That classmate is usually a rather forthright person, but he doesn't really care about a few dollars. He thinks that everyone is a good friend, so there is no need to be so fussy.His roommate was so fussy, but it made him very uncomfortable.His thinking may seem unbelievable to most people. It is very appropriate for someone to give you five dollars. After all, you only owe him 15 dollars. Why do you feel unhappy?If two buddies who usually have a good relationship, one of them is arguing endlessly over a few cents, what should the other think?Of course, if it is two people who are not very familiar with each other, this situation is easy to accept, you don't owe me anything, I don't owe you anything, and they live in peace with each other.

The above anecdote can basically explain this problem. If the party who pays the money cares about you on the change, you will realize that the relationship between the two of you is not as good as you imagined, or the other party is very good at "living life". "people.If it makes you unhappy, it means that there was a problem with your positioning of your friend before. You think that the relationship between the two of you has developed to a certain level and you don’t need to worry about it. Maybe he doesn’t think so, and he doesn’t want to owe you money. , not even a little bit.If we continue to analyze the psychological behavior of both parties borrowing money, it is very likely that the generous party is self-indulgent, and the party who cares about money may also have a conceptual error. Since he does not want to owe him anything in terms of money, then Definitely don't want to owe him anything.As everyone knows, when borrowing money, you have already owed favors to others.Favor is far more precious than money.

To make the issue more understandable to teenagers, let me give you another example.

Zhang San wanted Li Si to do something for him, but Li Si took some trouble to do it.Zhang San was very happy. He felt that he had spent Li Si's money, and he always felt that he owed him something, so he had to give Li Si some money.When Li Si was doing this matter, he didn't actually think about asking Zhang San's money, because if Li Si could do it, Zhang San could do it too, and it was just a matter of spending two dollars.Since Zhang San entrusted himself with this matter, he was also willing to do so, and never thought about asking Zhang San for money.Suddenly Zhang San put the money in front of him and refused to accept it.Zhang San competed with Li Si, if you don't want it, you have to have it, so the two stalemate for a long time.In the end, due to helplessness, Li Si accepted it, but he felt very uncomfortable. He always felt that he was rejected or underestimated, and these could not be measured by money. Perhaps no amount of money could make up for it. The kind of loss in my heart.

To extend it further, if Zhang San has been in love with Li Si for a long time, and he wants to do something for Li Si to express his heart, but when Li Si resolutely returns the money to Zhang San, Zhang San already understands, Li Si Four has already rejected himself.Since Li Si didn't want to owe him anything, it meant that he was just an ordinary friend in his heart and couldn't accept himself at all.If this happens, Zhang San will certainly feel uncomfortable, but he is not good at judging who is right, and this is not the scope of this article.If Li Si already knew that Zhang San had been in love with him for a long time, and afterwards wanted to show the relationship between the two of them by "repaying the money", expressing that he did not want to owe Zhang San anything, and he had achieved peace of mind.In this case, Li Si will have the above-mentioned mistakes in concept, thinking that if they don't owe each other money, it means that they don't owe each other.As everyone knows, although money is very important in life, human affection is more important than money.You may be able to pay off money owed to others, but there is no way to pay off favors.This may be the reason why the protagonists in some martial arts TV dramas need to die to repay their benefactors.If favors can really be measured by money, then why do those many chivalrous men insist on repaying them with death?Why not send several million taels or even more silver notes?

All in all, repaying money is related to the well-being of the world and must be handled carefully.Even between good brothers, it is easy to worry about these things. If they are not handled well, no matter how good the relationship between brothers is, they may turn against each other.Therefore, if anyone wants to borrow money, you should either borrow a whole number, and don’t have a situation of a few dollars, so that repaying the money is generally easy to cause conflicts.There is no need to say yes to borrowing a few dollars, just say please.Besides, I have borrowed too many times, so I am sorry not to allow you to pay it back, but if you are asked to pay it back, there are so few people who are too embarrassed to speak up, so that others will be very embarrassed.If you really need money, you can just borrow 100 yuan, and next time you can just repay 100 yuan.However, if people do not know each other well, no matter how much money they owe others, they must pay back the money.Otherwise, it will leave an excuse for others, which will have an impact on one's reputation as a human being.As the saying goes, "A gentleman loves money, and he takes it in the right way", and he doesn't feel at ease holding things that don't belong to him.

(End of this chapter)