Paying children to do extra work around the house, however, can be useful. It can even provide an understanding of how a business works.

然而，给那些在家附近做些额外事情的孩子们支付报酬还是有益的。这样做甚至有助于孩子们对交易买卖的理解。

Allowances give children a chance to experience the three things they can do with money. They can share it in the form of gifts or giving to a good cause. They can spend it by buying things they want. Or they can save it.

孩子们的零用钱还给他们提供了一个机会，让他们体验三件用钱可以达成的事情。一、以礼物的形式跟他人分享或是为一个好的目标进行投资。二、用它们来买些他们想买的东西。三、储蓄。

Saving helps children understand that costly goals require sacrifice: you have to cut costs and plan for the future. Requiring children to save part of their allowance can also open the door to future saving and investing. Many banks offer services to help children and teenagers learn about personal finance.

储蓄有助于孩子们明白花费很大的目标是需要作出牺牲的：你必须削减开支并为将来计划。要求孩子将他们的部分零用钱存起来也为他们将来的储蓄及投资提供了涉足的机会。许多银行也提供了各种服务来帮助儿童及青少年学习有关个人理财方面的知识。

A savings account is an excellent way to learn about the power of compound interest.

储蓄存款帐户是个非常好的方法来，可以让他们了解复利的魅力。

Compounding works by paying interest on interest. So, for example, one dollar invested at 2% interest for 2 years will earn 2 cents in the first year. The second year, the money will earn 2% of one dollar and two cents, and so on. That may not seem like a lot. But over time it adds up.

复利是以利滚利的形式来计息的。例如，一美元以2%的利息存入银行2年，第一年将获得2美分的利息；第二年，获得的是由1.02美元产生的利息。以此类推。这看上去可能不多，但随着时间的推移它会慢慢累加。