To Spend or to Save
spend or save课件
贷款需求明确
01
贷款知识储备
02
明确自己的贷款需求，例如购买房屋、车辆、 教育等。
了解不同类型的贷款产品，如房贷、车贷、学 生贷款等，以及贷款产品的利率、期限等要素
。
贷款方案比较
03
比较不同贷款产品的优劣，选择最适合自己的 贷款方案。
贷款还款计划制定
04
根据个人收入和财务状况，制定合理的贷款还 款计划。例如，设定每月还款金额、选择合适
储蓄与投资相结合
在储蓄的基础上进行投资，以实现财 富增值。
债务管理
根据个人或家庭的风险承受能力和需 求购买合适的保险产品，如养老保险 、医疗保险等。
03
spend or save的决策分析
消费决策的考量因素
购买力
消费者的购买力是消费决策的重要因素之一。收入水平、 物价水平和购买习惯等都会影响消费者的购买力。
投资决策的首要因素是投资目标和时间表。投资者需要明确自己的投资
目标，例如长期增值、短期回报等，以及可接受的投资时间周期。
02 03
风险承受能力
投资决策也受到投资者风险承受能力的影响。一些投资者可能更愿意选 择高风险、高回报的投资，而另一些投资者则可能更注重安全和稳定性 。
市场情况和投资工具
投资者还需要考虑市场情况和可用的投资工具。不同的市场情况和投资 工具具有不同的风险和回报特点，投资者需要根据自己的投资目标和时 间表来选择合适的投资工具。
散风险。
投资知识储备
了解不同类型的投资产品，如股 票、债券、基金、房地产等，以 及投资产品的风险和收益特点。
投资策略制定
根据个人风险承受能力和投资目 标，制定合适的投资策略。例如 ，资产配置、投资时机选择等。
节约与花费的英语作文初中
节约与花费的英语作文初中Saving and Spending。
As we grow up, we start to learn about the importance of saving and spending. Saving means putting aside moneyfor future use, while spending means using money to buy things we need or want. Both are important skills to havein life.Saving money can be difficult, especially when we see things we want to buy. However, it is important to save for emergencies, such as unexpected expenses or job loss. It is also important to save for future goals, such as buying a house or going to college. To save money, we can create a budget, which is a plan for how we will spend our money. We can also look for ways to cut back on expenses, such as eating out less or buying clothes on sale.Spending money is also important, as we need to buy things to live our daily lives. However, it is important tospend wisely and not waste money on unnecessary things. We can prioritize our spending by buying things we need first, such as food and housing, and then buying things we want, such as entertainment or new clothes. We can also look for ways to save money when we do spend, such as using coupons or buying things on sale.In conclusion, saving and spending are both important skills to have in life. By learning how to save and spend wisely, we can achieve our financial goals and live a comfortable life.。
Unit 5-Spend or save – The student’s dilemma
Read
the
following spending
survey habits of
questions college
regarding
students. Then check (√) all the responses that are true for you.
1. What’s the main source of your daily expenses? □ From parents □ From student loan or subsidy □ From scholarship □ From part-time job □ Other (specify) __________
Tips
2. In the United States , what does Student Financial Aid refer to?
Tips
1. What does financial literacy refer to ?
• The ability to understand financial matters; • The set of skills and knowledge; • Allows an individual to make informed and effective decisions through understanding of finances.
2. What do college students spend their money on?
Tuition and fees; Textbooks or other school supplies; Food and drink; Transportation in the form of bus or train tickets; • Electronics, such as laptops and smart phones; • Entertainment ; • … • • • •
《新视野大学英语读写教程2》各单元Banked cloze答案
Unit 1The Internet has made English learning much easier. English learners used to be obliged to spend their time in libraries looking for the books that would help them in their language studies. It was very inconvenient because a lot of materials could only be found in tedious and uninteresting textbooks and readers. But today authentic content on a variety of subjects is only a click away. This is especially beneficial for those who wants to learn English earnestly.In order to achieve fluency in English, you need to be comfortable using at least 10, 000 words. The abundant materials on the Internet make it possible for you to choose appropriate content to read and listen to. These materials can be adjusted to your level if you input some key words in the search engine. But how can you remember the bulk of unfamiliar words？In this case, the Internet evidently makes it easier to learn vocabulary. You can use online dictionaries to instantly find out their grammatical functions and the specific meaning of these words. The Internet helps you to efficiently accumulate vocabulary based on lively and interesting language content, which greatly reduces your distress caused by inability to remember the new words. The efficiency of this vocabulary learning is one of the reasons why the Internet has become an ideal place to learn English.Unit 2Through exploration of the humanities, we learn how to think creatively and critically, to analyze, and to ask questions. Because these skills allow us to gain new insight into everything from poetry and paintings to business models and politics, humanistic subjects have been at the heart of a liberal arts education since the ancient Greeks first used them to educate their citizens.Research into the human experience helps to boost our knowledge about our world. Through the work of humanities scholars, we learn about the values of different cultures, about what goes into making a work of art, and about the mystery of how history is made. Their efforts depict the great accomplishments of the past, help us understand the world today, and give us tools to imagine the prospect of our future.Today, humanistic knowledge continues to promote the ideal foundation for exploring and understanding the human experience. Learning another language might help to invest you with great insights as well as gain much appreciation of different cultures. Taking a close look at a sculpture might make you think about how an artist's life affected his creative decisions. Reading a book from another region of the world might help you speculate about the meaning of democracy. Listening to history courses might give you a clearer picture of what the future will be like.Unit 3There is a special life stage that our generation goes through. It is the transition period, during which we move from teenage to adolescence. We learn who we are and what we stand for and what inspires us. Also, in this period we are saddled with a lot of pressure from our parents who want us to make something out of ourselves.My parents have already expressed feelings of anxiety over my future with academics and life. When I expressed to them recently that I would not mind graduating in five years instead of four in order to study abroad to acquaint myself with the world, they seemed so shocked. That idea sounded foreign and to them was equivalent to lack of ambition.Apart from that, my mother has expressed to me that she is worried that I am not searching for a boyfriend. I resent this stupid idea of marrying out of college since it does not suit me one bit. Women today can get what they want out of life without a man, even children, as it becomes more acceptable for women to adopt children.I personally want to stay in school as long as I can to reinforce my academic work, possibly complete a law degree and start a career, and then after, and only after, begin to think about shifting to marriage. If my math is correct, that means I will be more or less 'ready' for marriage at the age of 29 or 30, the age when my mother had me.Unit 4Traditional dating is a self-paced, general meeting of two people. The two usually commence with spending extra time together, getting to know one another and seeing how tempting they could be to each other. A good example is a man meeting a woman and sensing her charm. He then extends a formal invitation for a date. With traditional dating, you get to go at a steady pace, allowing yourself and your date to get to know each other through extensive contact.There are many components that can be expected from traditional dates. Men, who are supposed to display these traditional values, will open the door for the woman, stand up when she leaves the table, pay for everything, and proceed to the next move. In the1950s, a man would usually ask a woman out several days ahead for a specific date and time. If she accepted, they would arrange for a time to pick her up. He would then take her to a dinner and a movie.Today the rules of traditional dating are less clear. Twenty years ago, if a young lady asked a men out on a date, it was thought to be weird. Now, women are being encouraged to take the initiative and ask men out. A date may consist of a brief meeting at a café or a trip to the local art museum. Men often pay on the first date, but the woman may offer to go Dutch. The traditional dating style has been found much less common now.Unit 5To spend or save is a question which many people have. There is always a(n) dilemma whether one should spend the money that he has earned or save that money for the future. Well, there is no explicit answer to the question as different people have different perspectives on their life, and that is the reason why some people tend to spend all the money earned while others retain control over their money.People who spend all the money do not think much about the future. The only thing that they enjoy doing most is to derive pleasure from spending money. For example, if they like a particular car, mobile phone or laptop, they will buy it without giving it a thought. For them, the most important thing is to satisfy their material appetite. People who have their first job or who haven't married often fall in this category.In the long run, saving is a good option for one's life as saving helps an individual to plan for future urgent needs. That is also the reason why many people save money for a rainy day. Individuals who can suspend their spending save money successfully. Instead of buying on impulse, they delay their purchasing decision and won't be easily manipulated by commercial ads. Individuals who have responsibility for their family belong to this category.Unit 6Simplifying is not necessarily about less. It can be about more: more time, more enjoyment, more accomplishment, and more of what profits you. If you do a lot of things that don't bring you joy or support your long-term plan, then doing less of that kind of things makes sense because you can't preserve everything. The purpose of simplifying is to remove what's not important.To understand what should be discarded, try to think of activities and things as either assets or obligations. An asset is something that is valuable. Some corresponding examples are stocks, bonds, buildings, land, gold, etc. , but a little more broadly, an asset is anything that can strengthen and motivate you, moving you closer to your goals. However, obligations are debts. An obligation is anything that weakens you, moves you farther from your goals, provides negative stress, creates anxiety, and decreases your health.Then how can you implement the idea of simplifying? Think about your daily activities and start with just one area. For example, you may begin with obligation by making a long list of your daily activities. Your list may revolve around such routines as paying bills and planning a birthday party for a friend, etc. Do the activities get you closer to your goals? If not, modify the list. Remove what is unnecessary in order to concentrate more on something important in your life.Unit 7It's obvious that women have come a long way as successful professionals. Women in the workplace are flourishing as an increased number of women have made their presence felt in many industries and professions. The sector of the female workforce has expanded with more and more strength and thus has its genuine importance in the professional world.Whether they like it or not, men have to accept that women are marching up the management ladder confidently and diplomatically. Women used to be much more "quiet and passive" due to the relatively small number of female employees in comparison to males. Women today, on the other hand, have begun seeking their administrative positions by using all their powers of intelligence.Men are hierarchical and jealous of the "beauty power" that allows women to get certain things based on their physical assets. Even though there is a(n) dispute whethermany professional females got into positions of power by using their appearance to their advantage, the valid fact is the majority of women have worked hard to achieve their desired success.Women were considered as bystanders in the workplace for many years and it was believed that the only jobs that they could handle were those of teachers or secretaries, but today's women can not only hold their own positions in the workplace, but they also have the dual task of raising their families.Unit 8The animal rights movement is a social movement which seeks an end to using animals in the research, food, clothing, and entertainment industries, hence being called animal liberation. It advocates the idea that the most basic interests of non-human creatures should be afforded the same consideration as those of human beings.Advocates lobby for animal rights from different aspects, ranging from the focus on animal suffering in laboratories to the argument that insists on not casting animals as properties of human beings. Despite the different approaches, advocates broadly consent to the opinion that animals should be viewed as non-human members of the moral community and should be omitted from being food, clothing, entertainment, or research subjects. The idea of awarding rights to animals wins the support of several prominent scholars.However, some critics argue that animals are unable to enter into a social contract or moral compass and for that reason cannot be granted rights. Only humans have duties and, therefore, only humans have rights. There is nothing wrong or evil about using animals as resources so long as there is no unnecessary suffering. From within the animal rights movement itself, there has also been criticism of certain forms of animal rights activism, in particular the destruction of fur farms and animal laboratories.。
新视野大学英语第三版第二册课文Spend or save — The student's dilemma语法讲解-Unit5
新视野三版读写B2 U5 Text ASpend or save — The student's dilemma1 Do you feel as confused and manipulated as I do with this question, "ShouldI spend or should I save?" I think that the messages we get from our environment seem to defy common sense and contradict each other. Thegovernment tel s us to spend or we'l never get out of the recession. At thesame time, they tel us that unless we save more, our country isin grave danger.Banks offer higher interest rates so we increase savings. Then the same banks send us credit card offers so we can spendmore.2 Here's another familiar example: If we don't pay our credit card bil on time,we get demanding, nasty emails from the credit card company saying something like: "Your failure to pay is unacceptable. Pay immediately or you'lbe in trouble!" Then, as soon as we pay, we get a fol ow-up email in a charming tone tel ing us how valuable a customer we are and encouraging usto resume spending. Which depiction is correct: a failing consumer in troubleor a valued customer? The gap between these two messages is enormous.3 The paradox is that every day we get two sets of messages at odds witheach other. One is the "permissive" perspective, "Buy, spend, get it now. Youneed this!" The other we could cal an "upright" message, which urges us,"Work hard and save. Suspend your desires. Avoid luxuries. Control your appetite for more than you truly need." This message comes to us frommany sources: from school, from parents, even from political figures referringto "traditional values". Hard work, family loyalty, and the capacity topostponedesires are core American values that have made our country great. *4B ut the opposite message, advertising's permissive message, is inescapable. Though sometimes disguised, the messages are everywhere welook: on TV, in movies on printed media and road signs, in stores, and onbuses, trains and subways.Advertisements invade our daily lives. We areconstantly surrounded by the message to spend, spend, spend. Someonerecently said, "The only time you can escape advertising is when you're in yourbed asleep!"5 It's been calculated that by the age of 18, the average American wil haveseen 600,000 ads; by the age of 40, the total is almost one mil ion. Eachadvertisement is doing its utmost to influence our diverse buying decisions,from the breakfast cereal we eat to which cruise line we wil use for ourvacation. There is no shortage of ideas and things to buy! Now, of course, wedon't remember exactly what the products were, but the essential messageis cemented into our consciousness, "It's good to satisfy your desires. Youshould have what you want. You deserve the best. So, you should buy it —now!" A famous advertisement said it perfectly, "I love me. I'm a good friend tomyself. I do what makes me feel good. I derive pleasure from nice things andfeel nourished by them. I used to put things off. Not anymore. Today I'l buynew ski equipment, look at new compact cars, and buy that camera I'vealways wanted. I live my dreams today, not tomorrow."6What happens as we take in these contradictorybut explicit messages? What are the psychological and social consequencesof this campaign to control our spending habits? On one hand, we want morethings because we want to satisfy our material appetite. Most of us derivepleasure from treating ourselves. On the other hand, a little voice insideus echoes those upright messages: "Watch out, take stock of your life, don't letyour attention get scattered. Postpone your desires. Don't fal into debt. Wait! Retain control over your own life. It wil make you stronger."7 Anyway, many of the skil s you need as a successful student can be appliedto your finances. Consider your financial wel -beings a key ingredient of youruniversity education as money worries are extremely stressful and distracting. They can make you feel terrible and hinder your ability to focus onyour prime objective: successful y completing your education.*8How can you be a smart and educated consumer? Many schools,community organizations, and even some banks offer financial literacyclasses. Consider consulting with your school's financial aid office or seek input from your parents or other respected adults in setting up a budget. An additional option is finding a partner to help you stay on track andfind pleasure in the administration of your own financial affairs. Most importantly, if you find yourself getting into financial trouble, don't letyour ego get in your way; urgently get help with tackling your problem before itspins out of control and lands you in legal troubles.9 Al this wil help you become an educated consumer and saver. As you learnto balance spending and saving, you wil become the captain of your own ship,steering your life in a successful and productive direction through the choppy waters.Language Points：1 Do you feel as confused and manipulated as I do with this question, “Should Ispend or should I save?” (Para. 1)Meaning: When asking yourself whether you should spend or save, do you feel puzzledand control ed as I do?Meaning beyond words: According to the conventional concept, we are the master orthe boss of the money we have earned. It is up to us to decide how to use our money. However, the sentence gives us the hintthat we are actual y no longer in control of our money.2 I think that the messages we get from our environment seem to defy commonsense and contradict each other. (Para. 1)Meaning: In my opinion, the messages we get in our daily life about the question “ShouldI spend or should I save?” are against common sense and they often don’t agree witheach other.Usage note: defy, denydefy 和deny 都是及物动词，词形相近，但实际上两者词义有别，用法也不同。
新视野大学英语(第三版)读写教程2--unit5-Spendorsave—Thestudentx27sdilemma课文原文
Spend or save — The student's dilemma1 Do you feel as confused and manipulated as I do with this question, "Should I spend or should I save?" I think that the messages we get from our environment seem to defy common sense and contradict each other. The government tells us to spend or we'll never get out of the recession. At the same time, they tell us that unless we save more, our country is in grave danger. Banks offer higher interest rates so we increase savings. Then the same banks send us credit card offers so we can spend more.2 Here's another familiar example: If we don't pay our credit card bill on time, we get demanding, nasty emails from the credit card company saying something like: "Your failureto pay is unacceptable. Pay immediately or you'll be in trouble!" Then, as soon as we pay, we get a follow-up email in a charming tone telling us how valuable a customer we are and encouraging us to resume spending.Which depiction is correct: a failing consumer in troubleor a valued customer? The gap between these two messages is enormous.3 The paradox is that every day we get two sets of messages at odds with each other. One is the "permissive" perspective, "Buy, spend, get it now. You need this!" The other we could call an "upright" message, which urges us, "Work hard and save. Suspend your desires. Avoid luxuries. Control your appetite for more than you truly need." This message comes to us from many sources: from school, from parents, even from political figures referring to "traditional values". Hard work, family loyalty, and the capacity to postpone desires are core American values that have made our country great.4 But the opposite message, advertising's permissive message, is inescapable. Though sometimes disguised, the messages a re everywhere we look: on TV, in movies on printed media and road signs, in stores, and on busses, trains and subways. Advertisementsinvade our daily lives. We are constantly surrounded by the message to spend, spend, spend. Someone recently said, "The only time you can escape advertising is when you're in your bed asleep!"5 It's been calculated that by the age of 18, the average American will have seen 600,000 ads; by the age of 40, the total is almost one million. Each advertisement is doing its utmost to influence our diverse buying decisions, from the breakfast cereal we eat to whichcruise linewe will use for our vacation. There is no shortage of ideas and things to buy! Now, of course, we don't remember exactly what the products were, but the essential message is cemented into our consciousness, "It's good to satisfy your desires. You should have what you want. You deserve the best. So, you should buy it — now!" A famous advertisement said it perfectly, "I love me. I'm a good friend to myself. I do what makes me feel good. I derive pleasure fromnice things and feel nourished by them. I used to put things off. Not anymore. Today I'll buy new ski equipment, look at new compact cars, and buy that camera I've always wanted. I live my dreams today, not tomorrow."6 What happens as we take in these contradictory but explicit messages? What are the psychological and social consequences of this campaign to control our spending habits? On one hand, we want more things because we want to satisfy our material appetite. Most of us derive pleasure from treating ourselves. On the other hand, a little voice inside us echoes those upright messages: "Watch out, takestock of your life, don't let your attentionget scattered. Postpone your desires. Don't fall into debt. Wait! Retain control over your own life. It will make you stronger."7 Anyway, many of the skills you need as a successful student can be applied to your finances. Consider your financial well-being as a key ingredient of your university educationas money worries are extremely stressful and distracting. They can make you feel terrible and hinder your ability to focus on your prime objective: successfully completing your education.8 How can you be a smart and educated consumer? Many schools, community organizations, and even some banks offer financial literacy classes. Consider consulting with your school's financial aid office or seek input from your parents or other respected adults in setting up a budget. An additional option is finding a partner to help you stay on track and find pleasure in the administration of your own financial affairs. Most importantly, if you find yourself getting into financial trouble, don't let your ego get in your way; urgently get help with tackling your problem before it spins out of control and lands you in legal troubles.9 All this will help you become an educated consumer and saver. As you learn to balance spending and saving, you will become the captain of your own ship, steering your life in a successful and productive direction through the choppy waters.。
节约与花费的英语作文高中
节约与花费的英语作文高中Saving and Spending。
Saving and spending are two important aspects of personal finance that everyone should pay attention to. In today's society, people are constantly bombarded with advertisements and temptations to spend money on things they may not necessarily need. However, it is crucial to strike a balance between saving and spending in order to achieve financial stability and security.Saving money is essential for building a strong financial foundation. By setting aside a portion of one's income regularly, individuals can create an emergency fund for unexpected expenses, save for future goals such as buying a house or going on a vacation, and prepare for retirement. Saving money also provides a sense of security and peace of mind, knowing that there is a financial cushion in place to fall back on in times of need.There are various ways to save money, such as setting a budget, cutting back on unnecessary expenses, and finding ways to increase income through investments or side hustles. It is important to prioritize saving and make it a habit to save a certain percentage of income each month. By being disciplined and consistent in saving money, individuals can gradually build up their savings and achieve theirfinancial goals.On the other hand, spending money is also a necessary part of life. It is important to spend money wisely on essential items such as food, shelter, clothing, and healthcare. However, excessive spending on non-essential items can lead to financial problems and debt. It is important to differentiate between needs and wants and make conscious decisions about where to allocate money.When it comes to spending money, it is important to be mindful of one's financial goals and priorities. It is helpful to create a spending plan or budget to track expenses and ensure that money is being spent in alignment with one's values and goals. By being intentional aboutspending money and avoiding impulse purchases, individuals can make the most of their financial resources and avoid unnecessary debt.In conclusion, saving and spending are two important aspects of personal finance that require careful consideration and planning. By striking a balance between saving and spending, individuals can achieve financial stability, security, and peace of mind. It is important to prioritize saving, make conscious decisions about spending, and be mindful of one's financial goals in order to build a strong financial foundation for the future.。
英语作文关于学生如何使用零花钱
英语作文关于学生如何使用零花钱全文共6篇示例，供读者参考篇1I think how students use their pocket money is really important. Some students like to spend all their pocket money as soon as they get it, while others prefer to save it up for something special. In my opinion, it's best to find a balance between spending and saving.First of all, it's nice to treat yourself every once in a while. You work hard at school and deserve a reward for your efforts. Maybe you could buy a small toy or book that you've been wanting for a while. It's important to enjoy your pocket money and have fun with it.However, it's also important to think about saving some of your pocket money. You never know when you might need it for something important. Maybe you want to save up for a big purchase, like a new bike or a video game. Or maybe you want to start saving for college or a trip with your friends. Whatever the reason, having some money saved will give you peace of mind.In conclusion, I think students should use their pocket money wisely. It's okay to spend some of it on things you enjoy, but it's also wise to save some for the future. Finding a balance between spending and saving will help you make the most of your pocket money and be prepared for whatever the future may hold.篇2As a primary school student, I think it's really important to know how to use our pocket money wisely. Saving and spending money in the right way can help us become more responsible and independent. Here are some tips on how to use our pocket money effectively:First of all, we should set a budget for ourselves. Before spending any money, we need to decide how much we want to save and how much we want to spend. It's a good idea to keep track of our expenses by writing them down or using amoney-saving app.Secondly, we should prioritize our spending. We need to think about what we really need and what we just want. For example, we need to buy stationery for school, but we don'tneed to buy new toys every week. By choosing wisely, we can save money for more important things in the future.Next, we should save some of our pocket money for emergencies. We never know when we might need extra money for unexpected expenses, such as a school trip or a gift for a friend. Having a savings fund can help us be prepared for any situation.Lastly, we should think about giving back to others. We can donate some of our pocket money to charity or help someone in need. It's important to show kindness and generosity towards others, even if we have limited resources.In conclusion, learning how to use our pocket money wisely is a valuable skill that can benefit us in the long run. By saving, prioritizing, saving for emergencies, and giving back, we can become more responsible and compassionate individuals. Let's make the most of our pocket money and make a positive impact on the world around us!篇3How to Spend Pocket Money WiselyHey guys! Today, I want to talk to you about how to use our pocket money wisely. As students, we might not have a lot of money, but we can still make the most out of what we have.First of all, we should save some of our pocket money. It's important to have some money saved up for emergencies or for things we really want in the future. We can put our savings in a piggy bank or a savings account.Next, we should spend our money on things that are important or useful. For example, we can buy stationery for school, or books to read. We can also use our pocket money to buy snacks or toys, but we should make sure not to spend all of it at once.Another good idea is to use our pocket money to help others. We can donate money to charity, or buy a gift for a friend or family member. It's always nice to share what we have with others.And lastly, we should be careful not to waste our money on unnecessary things. We should think carefully before buying something, and ask ourselves if we really need it. Sometimes, it's better to save our money for something more important.So, let's be smart about how we use our pocket money. By saving, spending wisely, helping others, and avoiding waste, we can make the most out of what we have. Let's start making good choices with our money today!篇4How to Use Pocket MoneyHey guys, do you ever wonder what to do with the pocket money you get from your parents? It might seem like a lot of money, but it’s important to learn how to manage it wisely. Here are some tips on how to use your pocket money effectively!First of all, saving a portion of your pocket money is a great idea. You can put it in a piggy bank or a savings account and watch it grow over time. Saving money will help you reach your goals, whether it’s buying a new toy or saving up for a fun day out with your friends.Another good way to use your pocket money is to spend it on things you enjoy. Maybe you love reading, so you can buy some new books or magazines to read. Or maybe you’re into sports, so you can save up for a new ball or equipment. Remember, it’s important to treat yourself once in a while!You can also use your pocket money to help others. You can donate some money to charity or buy a small gift for a family member or friend. It’s always nice to share what you have with others and make someone smile.Lastly, it’s important to be responsible with your pocket money. Don’t spend it all at once on unnecessary things. Think carefully about what you really need and how you can make the most of your money.So, remember to save, spend on things you enjoy, help others, and be responsible with your pocket money. By following these tips, you can make the most of your pocket money and learn valuable lessons about money management. Have fun spending your pocket money wisely!篇5As a primary school student, I love receiving pocket money from my parents every week. It's such a fun feeling to have my own money to spend as I please! So I wanted to share with you how I use my pocket money wisely.First of all, I like to save a portion of my pocket money for the future. I have a piggy bank where I deposit some money every week. Saving money is important because it teaches methe value of money and helps me set goals for what I want to buy in the future.Secondly, I also like to spend some of my pocket money on things that I need, like stationery for school or new clothes. I always make a list of things I need before going shopping so that I don't waste my money on unnecessary things.Lastly, I enjoy using a little bit of my pocket money to treat myself to something special once in a while. It could be a toy or a book that I have been wanting for a long time. It's important to reward myself for being responsible with my money.In conclusion, as a student, I believe that learning how to use pocket money wisely is an important life skill. By saving, spending wisely, and treating myself occasionally, I am able to make the most out of my pocket money.篇6How to Use Pocket Money WiselyHey guys, do you know how to spend your pocket money wisely? Let me give you some tips on how to use your pocket money smartly!First of all, it's important to save some of your pocket money. You can save a little bit each time you get your allowance and put it in a piggy bank or a savings account. This way, you can save up for something big that you really want in the future, like a new toy or a special trip.Next, you can also use your pocket money to buy some things that you need, like school supplies or snacks. Make a list of the things you need and prioritize what to buy first. It's always good to spend your money on things that are necessary before spending it on things that are just for fun.Lastly, you can also use your pocket money to help others. You can donate some of your money to charity or buy a small gift for a friend or family member. It's important to remember that giving to others can bring happiness and satisfaction, not just to them but also to yourself.So guys, remember to save, spend wisely, and share your pocket money with others. By doing so, you can learn to be responsible with your money and make a positive impact on the world around you.。
存钱还是省钱英语作文
存钱还是省钱英语作文Saving Money or Spending Less: A Dilemma for the Modern ConsumerIn today's fast-paced and consumerist society, the question of whether to save money or spend less has become a pressing concern for many individuals. On one hand, the idea of saving money for the future, whether it be for a rainy day, a major purchase, or retirement, is a responsible and prudent approach to personal finance. On the other hand, the temptation to indulge in the latest trends, gadgets, and experiences can be overwhelming, leading to a culture of overspending and debt. In this essay, we will explore the merits and drawbacks of both saving money and spending less, and attempt to determine which approach is more beneficial in the long run.One of the primary arguments in favor of saving money is the sense of financial security it provides. By setting aside a portion of one's income on a regular basis, individuals can build up a cushion that can be used to cover unexpected expenses, such as medical bills, car repairs, or job loss. This financial safety net can alleviate the stressand anxiety that often accompanies such unexpected events, allowing individuals to focus on their personal and professional goals without the constant worry of financial instability.Moreover, saving money can also open up opportunities for long-term financial growth. By investing in savings accounts, retirement plans, or other investment vehicles, individuals can potentially earn interest or investment returns, further increasing the value of their savings over time. This can be particularly beneficial for those who are planning for retirement, as the compounding effects of consistent saving and investment can result in a significant nest egg that can provide financial security in one's golden years.In contrast, the argument for spending less rather than saving money is often rooted in the idea of living in the present and enjoying the fruits of one's labor. Proponents of this approach argue that life is too short to constantly deprive oneself of the things that bring joy and fulfillment, such as travel, dining out, or indulging in hobbies and leisure activities. They contend that by focusing too heavily on saving, individuals may miss out on valuable experiences and opportunities that can enrich their lives in the here and now.Additionally, some individuals may feel that the pressure to save money can lead to a sense of deprivation and a lack of control over their own financial decisions. This can be particularly true for thosewho are struggling to make ends meet, as the need to prioritize saving over spending can feel like an added burden on an already tight budget.Ultimately, the decision to save money or spend less is a highly personal one, and will depend on an individual's financial situation, goals, and priorities. For those who are able to do so, a balanced approach that incorporates both saving and responsible spending can be the most effective way to achieve financial security and a fulfilling lifestyle.One potential compromise between the two approaches is the concept of "conscious spending." This involves carefully considering each purchase and determining whether it aligns with one's values, needs, and long-term financial goals. By being mindful of their spending habits and making deliberate choices, individuals can enjoy the things that are truly important to them while still maintaining a healthy savings plan.Another strategy that can help bridge the gap between saving and spending is the use of budgeting tools and techniques. By creating a detailed budget that tracks income, expenses, and savings, individuals can gain a clearer understanding of their financial situation and make more informed decisions about where to allocate their resources. This can involve setting specific savings goals,identifying areas where spending can be reduced, and finding creative ways to cut costs without sacrificing quality of life.Ultimately, the decision to save money or spend less is a complex one, with valid arguments on both sides. By carefully considering their individual circumstances, goals, and values, individuals can develop a personalized approach that allows them to strike a balance between financial responsibility and the pursuit of a fulfilling life. Whether it's through conscious spending, budgeting, or a combination of strategies, the key is to find an approach that works best for each individual and their unique financial situation.。
新视野大学英语第三版Book2-unit5-Spend or save — The student's dilemma 课文翻译
---------------------------------------------------------------最新资料推荐------------------------------------------------------新视野大学英语第三版Book2-unit5-Spend or save — The student's dilemma 课文翻译Unit 5 Section ASpend or save —The student's dilemma 花钱还是存钱，学生进退维谷 1 Do you feel as confused and manipulated as I do with this question, "Should I spend or should I save?" I think that the messages we get from our environment seem to defy common sense and contradict each other. The government tells us to spend or we'll never get out of the recession. At the same time, they tell us that unless we save more, our country is in grave danger. Banks offer higher interest rates so we increase savings. Then the same banks send us credit card offers so we can spend more. 1 你是不是跟我一样对“我应该花钱还是存钱”这个问题感到困惑，且有被操纵的感觉？我觉得我们从生活的环境里所获得的信息似乎是有违常识、互相矛盾的。
- 1、下载文档前请自行甄别文档内容的完整性，平台不提供额外的编辑、内容补充、找答案等附加服务。
- 2、"仅部分预览"的文档,不可在线预览部分如存在完整性等问题,可反馈申请退款(可完整预览的文档不适用该条件!)。
- 3、如文档侵犯您的权益，请联系客服反馈,我们会尽快为您处理(人工客服工作时间：9:00-18:30)。
龙源期刊网 http://www.qikan.com.cn To Spend or to Save 作者：By Li Xiaoyang 来源：《Beijing Review》2019年第38期
‘Life is hard and we need to give ourselves treats，” Qu Wenting， a 24-year-old white-collar worker at a media company in Beijing， recently posted on social media app WeChat， adding a photo of a new curling iron worth about 3，000 yuan （$421）.
Qu started her job last year with a monthly salary of 4，000 yuan （$562）. She said the high living costs in Beijing make it hard for her to save money. “Paying rent and daily expenses such as takeout food， as well as buying clothes and cosmetics are all very costly，” she told Beijing Review.
But this has not stopped Qu from buying any big-ticket items she wants. “When I see something desirable， I want to have it right away to avoid regrets，” she said.
According to Qu， she is used to buying on credit to meet her own demands through Huabei， a credit payment service of Alipay， an online payment platform of e-commerce giant Alibaba Group. Huabei allows users to buy now and pay later， usually by the following month.
Qu said she thinks such a consumption mode gives her the courage to spend ahead of time. Huabei makes her feel as if she’s spending someone else’s money， which relieves psychological pressure and improves the quality of her life.
Qu is not alone. According to a survey conducted by the People’s Bank of China（PBC）， the central bank， Chinese consumers’ preference for delayed consumption has declined.
While the drop is not dramatic， expanding consumption is accompanied by declining deposit rates， Wang Jun， a member of the Academic Committee of the China Center for International Economic Exchanges， said.
According to Zhou Xiaochuan， former PBC Governor， the decline in the deposit savings rate shows the rise in domestic demand. Along with the development of consumer fi nance， the younger generation tends to consume more in advance， which can bring about key economic and cultural changes.
China’s rapid economic development in recent decades and its shift from a manufacturing-oriented society to a consumption-based one are providing more goods for consumers. Meanwhile， rising living standards have expanded people’s needs beyond daily necessities， helping to boost consumption. 龙源期刊网 http://www.qikan.com.cn China’s per-capita disposable income grew 6.5 percent year on year to 15，294 yuan （$2，237） in the first half of 2019， among which property income accounted for 8.6 percent， according to data from the National Bureau of Statistics. Nationwide retail sales of consumer goods totaled 19.5 trillion yuan （$2.7 trillion） in the same period， an increase of 8.4 percent from a year earlier.
Yang Jun， a professor at the Beijingbased University of International Business and Economics， said the purchasing power of Chinese people has increased due to enhanced social security coverage， a lighter tax burden and stable employment.
“People mainly delay consumption to save money for emergencies and gain more profi t， but modern fi nancial services allow them to cope with unexpected expenditures more easily，” he said.
Although many of the older generation still uphold a frugal lifestyle and tend to save money as much as possible， the younger generation， pursuing a higherquality lifestyle， favors consuming fi rst and paying later.
People born in the 1990s are growing up in relatively good living conditions. As they become the primary drivers of social consumption， it is natural that they tend to consume ahead of time more， Wang said.
Another factor driving the trend of buying first and paying later is the expansion of online credit services as cashless consumption prevails in China. For young consumers， credit cards and other online credit products have allowed them to buy what they want with less consideration of the price.
According to a report on China’s consumer credit market in 2018 released by the Academic Center for China’s Economic Practice and Thinking at Tsinghua University， people between 30 and 39， and 40 and 49 accounted for 30 percent and 33 percent of borrowers， respectively， with people over 50 representing 1 percent. Meanwhile， people between 18 and 29 constituted 36 percent of the borrowers of consumer fi nance.
Huabei is a popular service among the younger generation like Qu. JD.com， China’s second largest e-commerce platform， has also launched its virtual credit card service Baitiao， allowing consumers to buy products on its app and website now and pay later in installments with interest.