3 Translate the following paragraph into English with the words and expressions in the box.household bill for a rainy dayspend money on reckon look after one's finances勤劳节俭（frugality）是中华民族的传统美德。小时候，父母为我树立了榜样。他们每月初会做财务规划，确保本月收入足以支付家用开支，同时还能攒一些钱，以备不时之需。为此，他们很少买不必要的东西。在他们的指导下，我学会了记账，试着估算自己的日常花费。现在，我也能妥善打理个人财务了。_

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