| 19C | 20B | 21D | 22C | 23A | 24B | 25B |
| 26D | 27C | 28C | 29D | 30A |
May: Here is where our class money went this term. Please check it.
| CLASS 302 · This Term |
|---|
| Money in (50 x 30 students) 1,500 |
| Paper and pens (including geography maps) 420 |
| Flowers for Teachers' Day 300 |
| Cola, cake and one class T-shirt 560 |
| Left 220 |
Ken: The numbers are right. What will we do with the 220?
May: We can keep it for next term, or give it back: about seven dollars each.
Ken: Seven dollars is not worth the trouble. Keep it.
梅：這是我們班這學期的收支。請大家核對。
| 302 班 · 本學期 |
|---|
| 收入（50 × 30 人） 1,500 |
| 紙與筆（含地理地圖） 420 |
| 教師節鮮花 300 |
| 可樂、蛋糕與一件班服 560 |
| 結餘 220 |
肯：數字沒錯。那 220 元要怎麼處理？
梅：可以留到下學期，或退回去，每人大約七元。
肯：七元不值得這麼麻煩。留著吧。
Every Thursday · 12:30 to 13:00 · Room 105
Bring any coins or notes you want to save. This is a common job for Class 303, and the answer to every question is yes if you ask early. Two students from Class 303 will write down the amount and give you a paper with your name and your number on it. The money goes to a real bank at the end of each month.
There is no fee, and the school does not charge anything for this. We are not trying to teach you to save every dollar. We are trying to show you what happens to a small amount over a year, so that later, when a bank offers you something, you will know the questions to ask.
每週四 · 12:30 至 13:00 · 105 教室
帶任何你想存起來的硬幣或紙鈔。這是 303 班常態性的工作，只要早點問，答案通常都是可以。303 班的兩位同學會記下金額，並給你一張寫著姓名與編號的紙。每個月底這些錢會存進真正的銀行。
這項服務不收費，學校也不會為此收取任何費用。我們並不是要教你把每一塊錢都存起來。我們是想讓你看見一小筆錢經過一年會變成什麼樣子，這樣日後銀行向你推薦什麼時，你會知道該問哪些問題。
Dear Sir,
I opened a student bank book at your bank in March. The paper I signed said there would be no fee for a student bank book. Last week I saw that fifteen dollars had been taken out in April, May, and June.
I went to the central office and was told the free years end when a student turns twenty. I am nineteen. Nobody could explain the charge, and I was asked to write to you.
Could you look at this and tell me what the fee is for? If it was taken by mistake, I would like the 45 dollars back. It is not a large amount, but I would rather understand it than forget it.
Sincerely, Li Mei
敬啟者：
我三月在貴行開了一個帳戶。我簽的文件上寫學生帳戶免收費用。上星期我發現四月、五月、六月各被扣了十五元。
我去了總行，被告知免費年限到學生滿二十歲為止。我十九歲。沒有人能說明這筆費用，於是我被要求寫信給您。
能否請您查明並告訴我這筆費用是什麼？如果是誤扣，我希望能退還這四十五元。金額不大，但我寧願弄清楚，也不想就這樣算了。
敬上，李美
It costs more to have less. This sounds strange, but ask anybody who has counted coins at the end of a month.
A person with money buys rice in a large bag at a lower price for each bowl. A person without money buys a small bag every few days and pays more each time. One can wait for a sale; the other must buy today. One pays a bill on time; the other pays a late charge.
None of this is about being careless with money. It is about time and choice, and having less of both. When we say somebody should simply save more, we are often asking them to do the one thing that is hardest where they stand.
擁有得越少，花費反而越多。這聽起來很奇怪，但去問任何一個在月底數著銅板的人。
有錢的人買一大包米，平均每碗便宜。沒錢的人每隔幾天買一小包，每次都付得更多。一個人可以等特價，另一個人必須今天就買。一個人準時繳帳單，另一個人要付逾期費用。
這一切都不是因為用錢不小心。這關乎時間與選擇，以及這兩樣東西的匱乏。當我們說某個人只要多存一點就好時，我們往往是在要求他去做那件在他的處境下最困難的事。