Деньги - Money. Невежина С.Б - 17 стр.

       Knowing your net income is pretty easy. The hard part is figuring           Have you heard the old saying 'Save for a rainy day'? It's not
out what your expenses are. It helps to write a list. Put the necessary     really about weather. It's about being prepared. Something might
costs first. List food, rent or mortgage (mortgage: rights to a piece of    happen – good or bad – for which you haven't planned. That's a reason
real estate in return for a loan to be paid) payments, electricity, gas,    to have savings. Try to save some money from each paycheck. Put it in
and telephone. Then add bus or train fare, car payments, clothing           a savings bank or other safe place.
costs, and school and book fees. Also add any other expenses.
       You may find it helpful to list these costs on a chart. Use                 Belt Tightening
headings like 'Food,' 'Clothing,' 'Rent,' and 'Transportation.' You might          What if you find that you spend more than you earn? Then you
list movies, concerts, and rental tapes under 'Entertainment.' What you     had better look hard at your spending. Look for ways to cut back. Use
spend in restaurants can go under 'Food' or 'Entertainment.' List things    food expenses as an example. Maybe you can eat in restaurants less
wherever they make sense to you.                                            often. Maybe you can cook meals from scratch instead of buying
                                                                            prepared foods. Try to become a more careful shopper. Watch for
       Getting It Together                                                  special sales. Perhaps an item costs less one week. Buying enough for
       How will you get information about your spending? Some of it         a month will save you money.
will be easy to figure out. Other costs may be harder to gather. You get           Budgeting isn't easy. It's hard to change your spending habits.
receipts for most things you buy. Save those receipts. If you have a        But remember, the money you don't spend can be put to good use. You
charge account, the statements can help you. Now is the time to begin       can spend it on that 'rainy day' and on a wonderful future!
your record keeping. At the end of each day, write down what you
have spent.                                                                         1. Match the words and their definitions:
       Keep track of your expenses for a month. This will give you a                   to run out              to observe
good idea of where the money goes. You may be quite surprised.                         to figure out           light meal
Eating in restaurants and buying snacks may be costing you a lot. A                    to deduct               to come to an end
few items of new clothing might add up to hundreds of dollars. But                     to keep track           a routine job
that doesn't mean you should stop eating out or shopping. It may mean                  snack                   to take away from a total
only that you have to spend more carefully.                                            chore                   to discover, to determine
       Some expenses, like car insurance, come only once or twice a
year. You may want to figure out what it comes to for each month.                   2. Give the definitions to the following words:
That will help you plan a monthly budget.                                          to make sense, to consider, a bill, income, net income, expenses,
       If you seem to run short of money every month, a budget could        rental tapes, to gather, to cut back, costly.
be the answer to your problems.
       Keeping records may sound like a lot of work. It is, but it's time           3. Translate the following words and expressions into Rus-
well spent. And it's not a chore you must do forever. Once you see          sian:
where your money goes, you can control your spending.                              to list on a chart, paycheck, to look hard, to watch for, to save
                                                                            for a rainy day.
      Looking Ahead
      This is a good time to think about the future, too. Perhaps you're            4. Find in the text:
planning to buy a car or a house. You may need money for future                       a. Вещи, на которые мы тратим деньги, – это расходы.
schooling or vacations. These things are costly. You need to put                      b. Трудная часть состоит в том, чтобы определить, како-
money away to pay for them.                                                              вы ваши расходы.

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