Текст / Отношение к деньгам (на англ.)

Money has always been a disputable topic. Viewpoints differ depending on the financial status of the persons involved in the discussion - however, deciding whether it is impotant to be responsible with one’s money in general is essential.
I, personally, think it is important to be responsible with your money, as, in my opinion, money is monetarized energy. Energy of people, who earned it; energy of goods and services purchased for this money. And, according to the law of conservation of energy, the person dealing with money needs to keep the energy flow constant. Being responsible with money means being responsible for the overall financial balance of the economy.
Firstly, the person must be aware of basic economic terms, such as inflation and consumer basket. Handling money responsibly means allowing the economy work smoothly, in correlation with its natural laws. Secondly, it helps curb the rocketing consumerism, as people start spending smart. And, finally, it may bring about changes in human values - knowing that money is just a qualitative measure of energy allows to value real people and events more.
There might be, however, other points of view. For example, someone may think that money is a volatile item and shouldn’t be taken seriously. And there are 2 possible evidences to that: nowadays there are many on-line and off-line programms and tools to plan and track the financial situation - which helps the person to stay out of boring calculation and monitoring process; and, in addition, not all people are economically literate and patient enough to be invlolved into budgeting (even if it’s on the household level).
But those are quite arguable. It’s important to understand that, when it comes to key matters (such as money or health), it’s very risky to rely solely on products of IT industry. Besides, in modern world getting basic knowledge in economy and fincance is easy and affordable for everyone.
So, in conclusion I’d like to paraphrase Benjamin Franklin and say: "Teach your children to save money. They’ll learn the art of spending themselves". Being responsible with money is a significant step towards financial and social freedom.

The use of barter-like methods may date back to at least 100,000 years ago, though there is no evidence of a society or economy that relied primarily on barter. Instead, non-monetary societies operated largely along the principles of gift economy and debt. When barter did in fact occur, it was usually between either complete strangers or potential enemies. Many cultures around the world eventually developed the use of commodity money. The Mesopotamian shekel was a unit of weight, and relied on the mass of something like 160 grains of barley. The first usage of the term came from Mesopotamia circa 3000 BC. Societies in the Americas, Asia, Africa and Australia used shell money – often, the shells of the cowry (Cypraea moneta L. or C. annulus L.). According to Herodotus, theLydians were the first people to introduce the use of gold and silver coins. It is thought by modern scholars that these first stamped coins were minted around 650–600 BC. Song Dynasty Jiaozi, the world’s earliest paper moneyThe system of commodity money eventually evolved into a system of representative money. This occurred because gold and silver merchants or banks would issue receipts to their depositors – redeemable for the commodity money deposited. Eventually, these receipts became generally accepted as a means of payment and were used as money. Paper money or banknotes were first used in China during the Song Dynasty. These banknotes, known as "jiaozi", evolved from promissory notes that had been used since the 7th century. However, they did not displace commodity money, and were used alongside coins. In the 13th century, paper money became known in Europe through the accounts of travelers, such as Marco Polo and William of Rubruck. Marco Polo’s account of paper money during the Yuan Dynasty is the subject of a chapter of his book, The Travels of Marco Polo, titled "How the Great Kaan Causeth the Bark of Trees, Made Into Something Like Paper, to Pass for Money All Over his Country."Banknotes were first issued in Europe by Stockholms Banco in 1661, and were again also used alongside coins. The gold standard, a monetary system where the medium of exchange are paper notes that are convertible into pre-set, fixed quantities of gold, replaced the use of gold coins as currency in the 17th-19th centuries in Europe. These gold standard notes were made legal tender, and redemption into gold coins was discouraged. By the beginning of the 20th century almost all countries had adopted the gold standard, backing their legal tender notes with fixed amounts of gold. After World War II, at the Bretton Woods Conference, most countries adopted fiat currencies that were fixed to the US dollar. The US dollar was in turn fixed to gold. In 1971 the US government suspended the convertibility of the US dollar to gold. After this many countries de-pegged their currencies from the US dollar, and most of the world’s currencies became unbacked by anything except the governments’ fiat of legal tender and the ability to convert the money into goods via payment. According to proponents of modern money theory, fiat money is also backed by taxes. By imposing taxes, states create demand for the currency they issue.