Nowadays,with the occurrence of new consumption way like credit card consumption andvariety of financial plans and loans provided by banks and other institutions,a growing number of people have advocated using tomorrow’s money. However, asfar as I am concerned, saving money is a good habit and we should keep it allthe time.

如今，隨著新的消費方式的出現，比如信用卡消費，各種財務計劃和銀行或其他機構貸款，越來越多的人主張提前消費。然而，我覺得存錢是個好習慣，我們應該一直保持這樣的習慣。

Thereis an old saying that “a penny saved is a penny earned”. The saying revealsthat no matter what situation we are in, it is necessary and useful to makesome preparation for uNPRedictable emergencies. In modern times, it is quitenecessary to collect some money at any time to deal with changeable situation.What’s more, saving money is not only a good habit but also an essential coursein one’s lifetime. What we need to learn is not only to earn money but alsolearn to manage our money properly instead of spending unlimitedly. And savingmoney should be a part of our financial plan as well as we should be the masterof money rather than being controlled by money.

有一句老話是這樣說的“省錢就是賺錢”。無論在什么情況下，為意料之外的緊急情況做一些準備是很有必要也是很有用的。在現代，隨時隨地存一些錢來應對多變的情況是很有必要的。更重要的是，存錢不僅是一個好習慣也是人的一生中不可或缺一堂課。我們需要學習的不僅僅是賺錢，也要學會正確管理自己的錢而不是無節制的花錢。存錢應該是我們的財務計劃的一部分，我們應該成為掌控金錢而不是讓金錢掌控我們。

Therefore,saving money is a good habit, but I do not contend that we should not spendmoney at all and become a mean man. I am just saying that we should keep thehabit of saving money and spend money according to our plan.

因此，存錢是個好習慣，但我不主張一分錢都不花，成為一個小氣的人。我只是想說我們應該養成存錢的習慣并按照計劃花錢。