一个周密的储蓄目标不仅包括你想要购买的东西，还涉及到你需要存多少钱，什么时候需要用，以及你计划如何存钱。通过明智地规划和一些生活方式上的调整，你可以有效地积累资金，实现你的财务目标。
A savings goal should include what you want to buy, how much you need to save, when you need to have it by, and how you plan to save. Savings goals, like other goals, can be short-term or long-term. To achieve your savings goal, you may have to decide not to spend your money on other things along the way.
储蓄目标应该包括你想买什么，你需要存多少，什么时候需要，以及你计划如何储蓄。与其他目标一样，储蓄目标可以是短期的，也可以是长期的。为了实现你的储蓄目标，你可能不得不决定不把钱花在其他事情上。
Having a savings goal helps you plan for the things you want. If you don’t have anything specific in mind right now, you can still set a savings goal to help you have the money when you do.
有一个储蓄目标可以帮助你计划你想要的东西。如果你现在没有任何具体的想法，你仍然可以设定一个储蓄目标，帮助你在存钱时有钱。
Isabella, a fourth grader, loves to play basketball. She is on a team that plays once a week. She wants to go to basketball camp next summer, but her parents said she had to earn (挣) the money to go. Isabella’s goal is to save $100 by next summer. Isabella has a plan to clean leaves this fall and remove snow from sidewalks in the winter for the people in her neighborhood to earn the money. She has nine months, so she needs to earn about $23 a month to reach her savings goal. With her parents’ permission, she starts to let her neighbors know she is ready to work.
四年级学生伊莎贝拉喜欢打篮球。她所在的球队每周打一场比赛。她想明年夏天去参加篮球夏令营，但她的父母说她必须挣钱才能去。伊莎贝拉的目标是在明年夏天之前节省100美元。伊莎贝拉计划今年秋天清理树叶，冬天清除人行道上的积雪，让她所在社区的人们挣钱。她有九个月的时间，所以她需要每月挣23美元才能达到她的储蓄目标。在父母的允许下，她开始让邻居知道她已经准备好工作了。
Noah, a fifth grader, is interested in music. He would like to buy an electric guitar. It’s sold for $150. Noah got $25 for his birthday, but still needs $125 more to buy it. He makes $25 a week by walking his neighbors’ dogs and dog sitting after school and on weekends. If he continues to walk his neighbors’ dogs, he will be able to save enough money to buy the guitar in just a few weeks.
五年级学生诺亚对音乐很感兴趣。他想买一把电吉他。它售价150美元。诺亚在生日得到了25美元，但还需要125美元才能买到。他每周通过遛邻居家的狗和放学后和周末照顾狗来赚25美元。如果他继续遛邻居的狗，他将能够在几周内攒下足够的钱来买吉他。
It really helps to think about what is important to you, so you can set a savings goal that you want to accomplish. Don’t forget to keep that hard-earned savings in a bank account so you can keep it safe and watch it grow!
思考什么对你来说很重要真的很有帮助，这样你就可以设定一个你想要实现的储蓄目标。别忘了把辛苦攒下的钱存到银行账户里，这样你就可以保证它的安全并看着它增长！
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