33. Is it better to enjoy your money when you earn it or is it better to save your money for some time in the future? Use specific reasons and examples to support your opinion.

“Save it for rainy day.” That’s my motto. When I have a choice between spending my money or putting it in my savings account at the bank, I always put it in the bank.I will have a lot of expenses in the future like my education, travel, and unforeseen emergencies. I need to have money set aside for these expenses.

Education is expensive. I can’t depend on my parents to pay all my bills. I have tuition, room and board, books, and incidental expenses to pay for. I’ll try to get a scholarship to cover some of these costs, but I know I will be responsible for a lot of the expenses. If I spend my money now, I won’t be able to pay for my education. I need to save money for my education.

Travel is also very expensive. I don’t mean vacation travel. I mean travel to get to and from school. Transpacific airfare costs a lot even special reduced fares. I first have to get to school and then, of course, I want to return to my family for important festivals and occasions. Going back and forth will be costly, but worth it. I need to save money for these trips.

Emergencies could arrive at any moment. I might have an unexpected illness while I am at school. There might be costs that won’t covered by the school insurance. One of my family members may need help, I will have to send them money. You can’t predict emergencies like this, but you can be prepared. I need to save money for these emergencies.

When you are not rich, you cannot spend your money carelessly. You must plan ahead. I know in my life, I will have expenses for my schooling and for travelling to and from my home. I know that I will also have unexpected expenses related to unforeseen emergencies. I must be prepared. I need to save money for these events.

34. You have received a gift of money. The money is enough to buy either a piece of jewelry you like or tickets to a concert you want to attend. Which would you buy? Use specific reasons and details to support your answer.

The choice between spending money on tickets to a concert or spending money on jewelry is an easy one. Given this choice, I would buy jewelry. The reasons are obvious, jewelry is an investment; it is permanent; and it is fashionable.

Jewelry like a gold bracelet for example is a very good investment. It is important for women( and for man, too) to have gold jewelry. If you have some serious financial problem, you could always sell your jewelry to help you over any rough spots. You could not sell your used concert ticket.

Jewelry, unless you sell it, is permanent. You always have it ware. Each time you put it on , you will remember the day you bought it. It will give you pleasure for years and years. You could not wear the ticket stub from the concert.

Jewelry is very fashionable. I would feel very smart wearing a beautiful gold bracelet or diamond pin. People would comment and tell me how much they loved my jewelry. They would compliment me on my good taste.

I would feel very rich with my jewelry. I would have a good investment which is permanent and fashionable. Then, when someone invites me to a concert( and pays for my ticket), I will have something beautiful to wear.