VOA慢速英语:Websites Show Young People How to Save

Young people are perhaps better-known for spending money than saving it. But some new banking websites are seeking to change that. These websites offer young people the information and tools they need to watch over their money. The websites also let the users share their financial experiences with other young people.
相对于存钱，年轻人更为人所知的是花钱。但一些新的银行网站正试图改变这种状况。这些网站为年轻人提供所需的信息和工具以管理他们的钱财。这些网站还允许用户与其他年轻人共享自己的理财经验。

Nineteen-year-old Alix Scott has been working at a store this summer. She is saving money to pay for college next year.
19岁的Alix Scott今个夏天一直在一家商店工作。她正在存钱来支付明年的大学学费。

ALIX SCOTT: “I have to save for all my college money because my parents, they can’t afford to co-sign on loans. So, I have to rely on my own savings.”
ALIX SCOTT：“我必须存够读大学所需的所有费用，因为我的父母不能负担联名贷款。所以我必须依靠自己的积蓄。”

But instead of putting her money in a local bank, Miz Scott began using SmartyPig, a web-based banking service.
但是Miz Scott并不把自己赚的钱存在当地银行，而是开始使用网络银行服务SmartyPig。

ALIX SCOTT: “When I do that, I overcome the impulses to just spend the money.”
ALIX SCOTT：“当我这样做时，我可以控制花钱的冲动。”

Michael Ferrari developed SmartyPig with a friend in two thousand seven.
Michael Ferrari和一个朋友在2007年开发出了SmartyPig。

MICHAEL FERRARI: “SmartyPig is really all about helping people save for very specific financial goals. So that could be a wedding, a vacation, an I-phone.”
Michael Ferrari：“SmartyPig帮助人们为了某个具体的财务目标而储蓄，例如婚礼，度假和I-phone。”

Mister Ferrari says SmartyPig opened after he started a college savings account for his new baby. He says that experience helped him realize the power of saving for a specific goal. Helping other savers pay attention to their goals is the idea behind his on-line company.
Ferrari表示，他为新出生的孩子开设了大学储蓄账户之后开办了SmartyPig。他说，那次经历帮助他认识到为特定目标存钱的威力。他开设这家网络公司背后的想法是帮助其他储户关注自己的目标。

MICHAEL FERRARI: “For example, I’m saving up for a vacation. I want to save five thousand dollars. I want to meet this goal in three years. SmartyPig will actually calculate how much money you need to allocate every month. You don’t have to move from your existing bank, we’ll actually go in and withdraw those funds on the day you specify every month and we’ll put them into your SmartyPig account, where they’ll actually accrue interest, as well.”
Michael Ferrari：“例如，我正在为度假而储蓄。我想存够5,000美元。我希望在三年之内达到这个目标。SmartyPig会帮我精确计算出每个月需要存多少钱。你不需要从现在的银行账户中把钱取出来，我们只要具体到每天节约多少钱，然后存入SmartyPig账户，这样还可以产生利息。”

Mister Ferrari says his website also enables outsiders to add money to the accounts of its users.
Ferrari表示，他的网站还可以允许其他人向网站用户的账号中存钱。

MICHAEL FERRARI: “Perhaps maybe a holiday is coming up or your birthday is coming up, and rather than getting a gift, your friends, your family can actually contribute to any of your SmartyPig goals.”
Michael Ferrari：“或许假期即将到来，或许你的生日即将来临，你的朋友和家人可能不送你礼物，而是向你的SmartyPig账户中存钱。”

Twenty-two-year-old Khang Nguyen is studying civil engineering in college. He likes being able to share his saving goals with his online community.
22岁的Khang Nguyen在大学中学习土木工程。他喜欢在网络社区中分享自己的储蓄目标。

KHANG NGUYEN: “I think it’s actually a good thing that they are able to see it. Like, a bunch of my friends after they found out, you know, about what I do, they always come ask me for financial advice.”
Khang Nguyen：“我认为别人能看到我的存钱目标是件好事。例如一些朋友发现我在做什么后，他们经常向我询问理财建议。”

A growing number of young people have shown an interest in online banking sites like SmartyPig. They say they like the ease of operation and services the sites offer. These personal finance websites offer tools that help users follow their spending, set up a budget, and combine their investments. And they all involve social media, which interests young adults who are already at ease about sharing their personal information online.
越来越多的年轻人对像SmartyPig这样的网上银行表现出了兴趣。他们说，他们喜欢这种网站提供的操作和服务的轻松和悠闲。这些个人理财网站提供工具帮助用户跟踪支出，制定预算并综合他们的投资。这些网站都包含社交媒体，这吸引了很多乐于分享自己个人信息的年轻人。

Janet Stauble is with the personal finance website bankrate dot com.
Janet Stauble是个人理财网站bankrate.com的工作人员。

JANET STAUBLE: “There’s all kinds of individuals who have their own blogs who are talking about money, creating videos, making info-graphics. You just kind of see personal finance information in places that you wouldn’t expect.”
Janet Stauble：“许多个人都有自己的博客，讨论有关理财的问题，制作视频或者图表。你会在意想不到的地方看到一些个人理财信息。”

Miz Stauble says people share things on the Internet that they might not say to their friends.
Miz Stauble说，人们会在互联网上分享他们不愿和朋友说的事情。

JANET STAUBLE: “It’s not likely that, you know, you might go to a friend and say, ‘Hey, I paid off one thousand dollars on my credit card today,’ but people write up blog posts about it and they explain how they did it, and how much closer they are to their financial goal, whatever it is.”
Miz Stauble believes that as technology continues to develop, more people will use the electronic banking sites.
Janet Stauble：“你知道,你不太可能会对朋友说，‘嘿，今天我还了1000美元信用卡。’ 但是人们会在博客中写这件事，并且解释他们是怎样做到的，以及他们距离自己的理财目标有多远，等等内容。”