中学生是我们这个社会群体的重要组成部分，国民经济的不断发展，消费观念的转变，个人消费也逐步增加，虽然中学生还属于无收入阶层，但在有些地方已成为消费领域的强势群体。那么我们的同学消费观念如何？消费状况到底怎样？造成这种状况的原因是什么？其中潜伏着哪些值得深思的问题？就这些问题，我们设计了一份简单明了的调查问卷表，对本校同学做一次调查，共发放110份调查问卷，收回100份，整个调查过程得到同学们的支持与配合，进展顺利，本文摘取几方面作重点报告。
Middle school students are an important part of our social group. With the continuous development of national economy and the change of consumption concept, personal consumption has gradually increased. Although middle school students belong to the non income class, they have become a strong group in the field of consumption in some places. So what's the consumption concept of our classmates? How is the consumption? What are the reasons for this? Which questions are worth pondering? On these issues, we designed a simple and clear questionnaire. We did a survey for our school students. We distributed 110 questionnaires and collected 100. The whole process of the survey was supported and cooperated by the students, and the progress was smooth. This paper made some key reports.
零用钱的来源
Sources of pocket money
从来自100份中学生的调查问卷中，98%的中学生零用钱都来自父母，基本是父母或其他长辈主动给予，很多家长可能有“再穷也不能穷孩子”的念头，对子女的消费要求都尽量满足，即使是家庭经济状况并不富有的家庭。在调查中，约有28%的同学表明假期有参加打工赚钱，但那远不能用来交学费及平时的日常花销，长期的开支主要是依赖父母，对于月零用钱，50%的中学生零用钱的数额每月在职10-50元；有42%的中学生表明够用；30%的中学生认为“还可以”，只有28%的中学生认为“不够用”。由此可看出，大部份的家庭给孩子的零用钱的数目还是足够，认为不够手的可能是花销太大或家庭困难及家长有意限制。
From the questionnaire of 100 middle school students, 98% of the middle school students' pocket money comes from their parents, which is basically given by their parents or other elders. Many parents may have the idea that they can't be poor any more, and try their best to meet their children's consumption requirements, even if the family economic situation is not rich. In the survey, about 28% of the students indicated that they had taken part in the work to earn money during the holidays, but that was far from enough to pay the tuition fees and the daily expenses. The long-term expenses mainly depended on their parents. For the monthly allowance, 50% of the middle school students' allowance amount was 10-50 yuan per month; 42% of the middle school students indicated that it was enough; 30% of the middle school students thought it was ok, only 28% of the middle school students thought it was not Enough. " It can be seen from this that most families give enough pocket money to their children, and it may be that they spend too much money or the family is in difficulty and the parents intend to limit it.
关于假期打工，50%的中学生有这种想法，30%的中学生打工过，其实只要去劳动，无论是体力劳动还是脑子劳力，所获得的报酬都是会欣喜且倍受鼓舞的。劳动是光荣的，不劳动是不光彩的。作为一名新时代的中学生，一个将要面对社会种种挑战和考验的人，树立只有劳动才能创造财富的观念，对于自己的消费行为不无裨益。
About the holiday work, 50% of middle school students have this idea, 30% of middle school students have worked, in fact, as long as they go to work, whether it's physical work or mental work, the remuneration they get will be happy and inspired. It is glorious to work, but disgraceful not to work. As a middle school student in the new era, a person who will face all kinds of challenges and tests of the society, it is beneficial for his consumption behavior to establish the concept that only labor can create wealth.
零用钱的流向
The flow of pocket money
经过调查，我们发现，当前中学生主要消费有两大去向：一是买零食占42%，充分体现了少年嘴馋的天性；二是买学习用品占37%，说明这些同学在享受口福的同时，也没有忘记给自己添置些课外学习资料和文具用品。此外，衣着消费也占了总消费的一定比例，尽管调查中发现相当部份中学生在购买衣服，鞋等日常生活用品时选择普通标准，但由于“更新换代”频繁，毕竟也是一项不小的开支。玩方面的消费，在当前的中学生消费中不容忽视，占7%。虽然是农村中学生，但有的同学追潮流，赶时髦，随身佩带手机、CD、MD等；有的同学迷恋网吧，把所有的零用钱都花在上网；调查中还发现人情交往也是学生中一笔不少的开支，如交朋友，生日派对，封建节日相互宴请，甚至过早地涉入爱河。人情交往太多、太频，既耗费钱财，也影响学习。作为中学生，应该把主要精力放在学习上，不要过早和过多地涉及人情世故方面的问题。
After investigation, we found that there are two main consumption directions for middle school students: one is to buy snacks, accounting for 42%, which fully reflects the nature of juvenile greedy; the other is to buy learning supplies, accounting for 37%, which shows that these students have not forgotten to buy extra-curricular learning materials and stationery supplies while enjoying their oral happiness. In addition, clothing consumption also accounts for a certain proportion of the total consumption. Although it is found in the survey that quite a number of middle school students choose common standards when they buy clothes, shoes and other daily necessities, but because of the frequent "update" is also a large expenditure. The consumption of play can not be ignored in the current consumption of middle school students, accounting for 7%. Although it's a rural middle school student, some students follow the trend, catch up with the fashion and wear mobile phones, CDs, MD, etc.; some students are infatuated with Internet cafes and spend all their pocket money on the Internet; the survey also found that interpersonal communication is also a lot of expenses among students, such as making friends, birthday parties, feudal festivals, mutual banquets, and even early involvement in love. Too much and too frequent human relations not only cost money, but also affect learning. As a middle school student, we should pay more attention to our study, and do not involve too much and too early in human affairs.
世界上什么事最容易？相信许多人都会说花钱，而且花钱的过程中充满着莫名的快感，真不知道当前中学生到底想得到什么？是自由？是快乐？抑或其他？为满足自己的欲望，无意识地花掉不该花的钱。或许，这一代的中学生实在太前沿，遗失了本应有的那份纯真，消费趋势体现出成人化的特点，在这里真想对同学们说，保留一点纯真，保存一点少年与成年之间的距离美，多花一些精力在学习上思考，多花一点时间在个人素质修养的提高上，不要浪费钱，更不要浪费青春啊！
What is the easiest thing in the world? I believe that many people will say that spending money, and the process of spending money is full of inexplicable pleasure, really don't know what the current middle school students want? Freedom? Is it happiness? Or something? In order to satisfy their own desires, unconsciously spend money that should not be spent. Perhaps, this generation of middle school students is too cutting-edge. They have lost the innocence they should have. The consumption trend shows the characteristics of adulthood. I really want to say to my classmates, keep a little innocence, keep a little distance between teenagers and adults, spend more energy on learning and thinking, and spend more time on improving their personal quality. Don't waste money, let alone money Waste youth!
用钱是门学问
Using money is a science
用钱与花钱从深层次的角度理解，是两个不同的概念。“花钱”有随意性强，“用钱”指把钱用在必需上，充分体现钱的真正功能。从我们的调查中发现，零用钱的使用全部由自己支配，但使用的计划性、节制性不强。有计划的只有26、7%，其他都无计划或无节制。调查中还发现部份家长对中学生处理零用钱的态度不明朗，或许并不关注中学生的消费观念，消费状况；或许忙于工作、家务无暇顾及，听之任之；还有部份家长把零用钱的多寡，作为激励的筹码，学习好，就多给一点零用钱，学习差就少给点，这样，有些中学生为了多拿点零用钱就会采取一些不恰当的方法。当被问及如果有人向你借钱，你会借给他吗？88%的中学生选择看情况，说明目前的中学生在这方面的处理上还是比较谨慎理智的。对于是否捐献给希望工程，只有5%的中学生有经常性的行为。分析其中原因，也许囿了囊中羞涩，也许对捐献的社会意义还没有足够的认识。如果每个中学生每年捐献10元，不知可以让多少个西部贫困山区的失学儿童重返校园。调查中还发现没有一个同学能把剩余的零用钱放进银行储存，由此可见，中学生的理财意识相当薄弱。
Money and money are two different concepts from a deep perspective. "Spend money" has a strong sense of randomness, "use money" means to spend money on necessities, fully reflecting the real function of money. From our survey, we found that the use of pocket money is entirely at our own disposal, but the use of planning, moderation is not strong. Only 26 or 7% of them have plans, and others are unplanned or uncontrolled. The survey also found that some parents' attitude towards the middle school students' handling of pocket money is not clear, they may not pay attention to the consumption concept and consumption situation of the middle school students; they may be too busy with work and housework to take care of and let it go; some parents regard the amount of pocket money as the incentive code, and give more pocket money if they are good at learning, and less if they are poor at learning. In this way, some middle school students In order to get more pocket money will take some inappropriate methods. When asked if someone borrows money from you, will you lend it to him? 88% of middle school students choose to see the situation, which shows that the current middle school students are more cautious and rational in this regard. Only 5% of middle school students have regular behaviors about whether to donate to hope project or not. Analysis of the reasons may be constrained by the shyness of the purse, or the social significance of donation has not been fully understood. If every middle school student donates 10 yuan every year, I don't know how many out of school children in the western poor mountainous areas can go back to school. The survey also found that no one can put the rest of the pocket money into the bank, which shows that the financial awareness of middle school students is quite weak.
反思与建议
Reflections and suggestions
中学生的消费以受外界影响为主，既然外界的环境不易改变，那就只好改变自己，培养良好的消费习惯。有零用钱是正常的，但数额一定要合理，要合理地使用零用钱，不大手大脚，应用则用，不要用在一些既昂贵又不实用的东西上，如购买衣服鞋袜时，不必追求名牌、时尚，应学会购买物美价廉的东西，当自己买的东西不别人好的时候，不必理会别人是怎样看你的，只要自己坚信这样做是对的；消费时更多的从父母的角度出发，懂得钱是得来不易的，学会节俭，用得合理，这样才会让父母感到放心。
The consumption of middle school students is mainly influenced by the outside world. Since the outside environment is not easy to change, they have to change themselves and cultivate good consumption habits. It's normal to have some pocket money, but the amount must be reasonable. We should use the pocket money reasonably. We should not be extravagant. We should use it when we use it. We should not use it on something that is both expensive and impractical. For example, when we buy clothes, shoes and socks, we don't need to pursue famous brand and fashion. We should learn to buy things with good quality and low price. When we buy things that are not good for others, we don't need to pay attention to what others think of you As long as you firmly believe that it is right to do so; when spending, you should start from your parents' point of view, understand that it is not easy to get money, learn to be frugal and use it reasonably, so that your parents can feel relieved.
对于个别中学生的高消费现象，主要原因有：青少年自尊心强。注重外表，很注意别人对自己的看法评价，很在意周围人的眼光，如认为穿的显眼点，漂亮点，可以在同学面前炫耀，想别人都尊重自己。现代信息通信技术发达，中学生们对新产品、新技术十分敏感，加上青少年的发奇心，就把钱花在这上面，以为边走边打着手机，十分潇酒，风光。其实现在中学生大多设有必要购买手机，这样做很不理智，不仅浪费，还加重家庭负担，又容易在同学之间形成攀比的风气，使乱消费的现象愈演愈烈。家长对子女的溺爱。现在的中学生中有不少是独生子女，父母对他们十分疼爱，只要开口，绝不会空手，有求必应，长此以往，轻则助长了他们的乱消费的风气，重则使他们变得自以为是，一意孤行，形成不考虑他人处境，以自我为中心的性格。
For the high consumption of individual middle school students, the main reasons are: young people have strong self-esteem. Pay attention to appearance, pay attention to other people's opinions on themselves, and pay attention to the eyes of people around you. For example, you can show off in front of your classmates if you think it's conspicuous and beautiful, and think that others respect you. With the development of modern information and communication technology, middle school students are very sensitive to new products and technologies. With the curiosity of teenagers, they spend money on it, thinking that they are playing mobile phones while walking, which is very cool and charming. In fact, most middle school students have to buy mobile phones, which is not rational. It is not only a waste, but also increases the family burden, and it is easy to form a trend of comparison among students, making the phenomenon of disorderly consumption more and more fierce. The doting of parents on their children. Nowadays, many middle school students are only children. Their parents love them very much. As long as they open their mouth, they will never be empty handed and responsive. In the long run, light will promote their disorderly consumption, while heavy will make them become self righteous and self-centered.
作为中学生应该把有限的零用钱统筹安排，合理使用，主要用在学业上，作为自己的学业后勤保障，同时也提醒同学们要学会善于理财。
As a middle school student, we should arrange the limited pocket money as a whole and use it reasonably, mainly in study, as our own logistics support, and also remind students to learn to be good at financial management.
结束语
Concluding remarks
进入21世纪，社会竞争愈加激烈，有知识有能力的人才会占得住脚。消费也是一种能力，消费又是为了更多的知识和形成更高的能力，只有这样，未来才会掌握在我们手里。作为中学生，还没有在社会上工作的能力，但到了将来，也许你就会感觉到钱的来之不易，可能会很后悔自己中学时所做的事，所以，我们不要让生命留下任何遗憾，从现在起就要学会好好利用自己手上的钱，正确的去消费。
In the 21st century, the social competition is more and more intense, and the talents with knowledge and ability will hold their feet. Consumption is also a kind of ability. Consumption is for more knowledge and forming a higher ability. Only in this way, the future will be in our hands. As a middle school student, you don't have the ability to work in the society, but in the future, you may feel the hard-earned money and regret what you did in middle school. Therefore, we should not leave any regrets in our lives. From now on, we should learn to make good use of the money in our hands and consume it correctly.
附：中学生消费状况调查问卷
Attached: questionnaire on consumption of middle school students
（请在以下各栏目中的选项上打“√”，多谢您的支持与配合！）
(Please tick the options in the following columns, thank you for your support and cooperation!)
1、你认为你家的经济境况是
1. What do you think your family's financial situation is
A富有B中等C一般D较差
A rich B medium C general D poor
2、月零用钱
2. Monthly allowance
A1—10元B10---50元C50---100元D100以上
A1-10 yuan b10-50 yuan c50-100 yuan D100 and above
3、零用钱的主要来源
3. Main sources of pocket money
A、父母B、祖父母/外祖父母C、其他亲戚D、打工E、其他F、压岁钱
A. Parents B, grandparents C, other relatives D, working e, other F, lucky money
4、每月剩余零用钱
4. Monthly allowance
A没有B一点点C几乎没花D50%
A no B little c almost no D50%
5、零用钱的主要用途（多选）
5. Main uses of pocket money (multiple choice)
A学习用品B买零食C吃饭D买衣服E买化妆品
A school supplies B snacks C meals D clothes e cosmetics
F谈恋爱G上网H交朋友I存银行J买书籍
F fall in love, G surf the Internet, H make friends, I deposit in the bank, J buy books
6、用零花钱买书的种类
6. Types of books bought with pocket money
A文学着作B学习辅导用书C报刊杂志D科技丛书E漫画书F其它
A works for Literature B studies for guidance C newspapers and magazines D science and Technology Series E comics f others
7、剩余零用钱处理
7. Disposal of remaining allowance
A还父母B储存C储蓄银行
A to parents B to save C savings bank
8、是否觉得零用钱不够
8. Do you think the allowance is not enough
A是B否C还可以
A yes B no C OK
9、与同学朋友人情交往的开支
9. Expenses for human relations with classmates and friends
A多B一般C很少D没有
More a, less B, less C, less D
10、曾经捐献给希望工程
10. Once donated to hope project
A经常B偶尔C没有
A often B occasionally C doesn't
11、是否有计划的使用零用钱
11. Is there any planned use of pocket money
A有计划B不坚持计划C无计划却有节制D无计划
A has plan B doesn't stick to plan C has no plan but has control D has no plan
12、是否主动讨过零花钱
12. Have you ever asked for pocket money
A经常B偶尔C没有
A often B occasionally C doesn't
13、你对买衣服、鞋的要求
13. Your requirements for clothes and shoes
A名牌B普通C低档D合适就好
A famous brand B ordinary C low grade D suitable
14、家长对你处理零用钱的态度
14. Parents' attitude towards your handling of pocket money
A支持B默认C反对D其它看法
A for B, C for D
15、你跟有钱人在一起的感觉
15. How you feel with the rich
A自悲B羡慕C忌妒D无所谓
A self pity B envy C envy D doesn't matter
16、如果有人向你借钱，你会借给他吗
16. If someone borrows money from you, will you lend it to him
A会B不会C看情况
A yes B no C depends
17、小问题：你认可的花钱风格怎样？说说看。
17. Small question: what is your approved spending style? Tell us your opinion.
