托福满分作文范文之money to spend or save

    当你挣钱的时候，是立即享受它好呢，还是把它存起来留到将来的不时之需好呢?请写出你的观点以及详细的原因和例证来支持。下面这篇托福满分作文的主要内容是讨论了一种对待钱的态度。

　　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.

　　①总体enjoy，钱随时间贬值，存起来利息少

　　② 以后就没有机会享受了，甚至可以提前消费

　　③然而还是要存一些，以防不时之需

　　Based on various economic situations, people might hold different opinions about whether to spend earned money immediately or save it for future. At first glance, it seems wise to always save money for future. However, with closer examination about our lives and expectations, I believe that what we should do is to spend most of money for today instead of tomorrow while saving a small part for future usage.

　　Generally speaking, the value of a certain amount of money will decrease with time. It seems that by storing money in a bank, we will receive some interest, thus we can get some benefits. While in fact, the decreased value can hardly be compensated by the small amount of interest. The truth is that we always have reasons to spend money, no matter for practical purposes or simply to satiate our desire for unnecessary luxurious goods. Therefore, we should have the courage to spend our earned money for today with its greatest possible value. Furthermore, the value of some goods might increase with time, such as stamps and some souvenirs. Purchasing these things today might actually help us earn more money in the future.

　　Considering how short our lives are, it is reasonable to spend money immediately to enjoy our lives. Chinese, especially the group of seniors, are deeply influenced by the importance of saving money. They are constantly worried about tomorrow and thinking that only by saving money can they be guaranteed a better life in future. However, the pathetic situation is that most of them never fulfilled their dream trips and ideal residence. Even the quality of their daily necessities is always below average standards. When they are old, they no longer have the health to taste their lives, thus the money is either passed to their children or sadly, wasted. In western countries and some developed areas in China, people even developed a way to spend "the money of tomorrow". Young people can live in better houses by borrowing money from banks, and then they can return their money gradually through working. This phenomenon has vividly demonstrated people’s support for spending money to enjoy today.

　　In addition to all the analysis above, I have to admit that spending all money hastily for immediate enjoyment can sometimes be too irresponsible, and even silly. Since no one can predict what might happen tomorrow, we have to save a certain amount of money for emergencies in future. In addition, if one cannot confirm a steady income after retirement, it might be wiser to save some money for later life.

　　Overall, I hold my point that people should spend most of their earned money at once to enjoy a life of better quality. Yet there are no two people entirely the same, we have to take other factors into consideration and make a clever balance between how much to spend and how much to save.