Financial Literacy Worksheet PDF | Elementary ESL Reading

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Financial Literacy for Young Adults

Reading Worksheet — Elementary (C) | tahricteaches.com

Money is part of everyday life. When you are young, it is smart to learn how to use money well. This skill is called financial literacy. It means you know how to earn, save, and spend in a wise way. Good money habits start early and last for many years.

Most people get money from a job. The money you get is called your income. Some young adults earn income from part-time work. It feels good to buy fun things. But if you spend too much, you will have nothing left. You must think before you buy.

A budget is a simple plan for your money. It shows how much you can spend and how much you can keep. First, write down your income. Then write down your bills and needs. The money that is left can go to your wants or your savings.

It is smart to keep money each month. When you 節省, you hold money for later. You can set a goal, like a new phone or a trip. A goal helps you stay strong when you want to buy things. Put your extra money in a bank to keep it safe.

Learning about money takes time. Start small and be patient. Track what you earn and what you spend. Talk to your family about their money habits. When you build a budget and save a little each week, you will feel calm and ready for the future.

A. 詞彙

  1. budget ____
  2. save ____
  3. spend ____
  4. income ____
  5. earn ____
  6. expense ____
  7. goal ____
  8. bank ____
  9. borrow ____
  10. interest ____
  • a. place that keeps your money safe
  • b. take money you must pay back later
  • c. something you want to reach or achieve
  • d. money you get from work or other sources
  • e. use money to buy things
  • f. get money by working
  • g. keep money to use later instead of spending it now
  • h. extra money you pay when you borrow, or get when you save
  • i. money you pay for things you need or want
  • j. simple plan showing how much money to spend and save
Financial Literacy for Young Adults worksheet

B. 對或錯

  1. ____   Financial literacy means knowing how to use money well.
  2. ____   Income is money you get from a job or work.
  3. ____   A budget is a plan for your money.
  4. ____   You should spend all your money and save nothing.
  5. ____   When you save, you keep money for later.
  6. ____   A goal can help you stay strong when you want to spend.
  7. ____   You should keep all your money at home instead of a bank.
  8. ____   Good money habits should start only when you are old.
  9. ____   If you spend too much, you will still have lots of money left.
  10. ____   Borrowing money means you never have to pay it back.

C. 填空

詞庫： income, budget, save, goal, bank, spend, earn, borrow
  1. Your ___ is the money you get from a job.
  2. A ___ is a simple plan for your money.
  3. When you ___ money, you keep it for later.
  4. A ___ helps you stay strong, like buying a new phone.
  5. Put your extra money in a ___ to keep it safe.

D. 理解性問題

  1. What is a budget?
  2. Where do most people get their money?
  3. Why is it smart to set a goal for your savings?

E. 討論問題

  1. What is one money goal you would like to save for, and why?
  2. What is one good money habit you could start this week?
Answer Key (click to reveal)

A. 詞彙： 1-j, 2-g, 3-e, 4-d, 5-f, 6-i, 7-c, 8-a, 9-b, 10-h

B. 判斷題： 1-T, 2-T, 3-T, 4-F, 5-T, 6-T, 7-F, 8-F, 9-F, 10-F

C. 填空： 1-income, 2-budget, 3-save, 4-goal, 5-bank

D. 理解：

  1. A budget is a simple plan that shows how much money you can spend and save.
  2. Most people get their money from a job or work.
  3. A goal helps you stay strong so you do not spend money you want to keep.

© Tahric Teaches | tahricteaches.com

🇹🇼 Also in Chinese: This topic is available on 18KEnglish.com — bilingual worksheets for Chinese-speaking students.

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