Is it better to enjoy your money when you earn it,

[Herculeshut]

Topic: 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.

How to use money for life is very important in life of each person. Some people like to spend money for something as they get it. Some others like to save it for the future. In my opinion, I believe that saving money always better than enjoying it. After earning my money, except amount of money for my daily life, I will save all the other money to use in the necessary situation may be happening in the future, invest to some area to gain more money or buy valuable things.

First, saved money will be helpful when people encounter with some problems in the future. Specifically, these problems can be urgent situations, children's fees, and so forth. For example, when a member of their family like their grandfather or grandmother has a serious disease, they need money to pay for treatment, hospital fee or implementing an operation. Thus, their saved money now is very helpful and necessary. In another case, when couples plan to have a baby in the next year, they should save money to bring up their children, pay school tuition fee for them.

Moreover, when people save money instead of enjoying it comfortably, they will have enough money to invest to some field and get interest. For instance, they can save money in a bank account. Then, this bank will pay them an interest monthly or annually to that account. Their money will be accumulated and increased gradually. Another way, they can buy stocks or shares of a reliable company on stock market and gain more money when their prices increase. However, that way is riskier than the former example.

Finally, when people save money, they can buy valuable things. Take my friend as an example, he always save most of his salary in his account every month. After a long time, he has a quite big amount of money in it. He will spend this money to buy a big house and prepare to get married. How can he do that if he enjoys most of his salary in the past?

In short, saving money is always useful in every case that people may face with in their lives. This is better than only enjoying money without care for the future.

TOEFL listening lectures: Which event or development did not strongly influence the history of bread?

[Incoan]

I still can't figure out, what is the standards for TOEFL.

To me, it seems like a very good essay.