(MA) 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.

　　When I have a choice between spending 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 set money 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. My parents help me, but I have to pay part of it. If I spend my money now, I won’t be able to pay for my education.

　　Travel is also very expensive. I don’t mean vacation travel. I mean travel to and from school, because my school is far from home. First I have to get to school, then, of course, I want to return to my family for important festivals and family occasions. 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. One of my family members may need help and I will have to send them money. You can’t predict emergencies like these, 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 I will have expenses for my schooling and for traveling to and from home. I know that I will also have unexpected expenses from time to time. I must be prepared. I need to save money for these events.