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托福写作题目：

Spend money or save them?

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.

参考分析：

先讨论一下储蓄的必要性以及及时享乐的好处，然后可以采取it depends策略进行选择，是花钱及时享乐好呢还是把钱存起来好，要看钱的数目是多少。如果一个月赚800块，只有一个选择，花掉。2000块，就可以花掉一些，存起来一些。20000块，就多花一些，也可以多存一些。

范文：

存钱比较好：新托福考试备考策略与模拟试题

(1)存钱可以防备不时之需，如生病等等。

(2)存钱可以买非常贵重的商品，如房子、汽车等等。

(3)存钱放到未来花，可以更好的享受生活，如去欧洲、美洲旅游等等。

Some people say that it is better to enjoy your money as soon as you earn it while others prefer to save the money for later. It's a difficult choice faced by lots of people because of the different attitudes they hold towards money. As far as I am concerned, I vote for the former choice, which is that it is better for one to enjoy his or her money as soon as it is earned. Spending money as soon as possible is my preference because of three reasons as follows.

First, we can observe easily in the modern society that the dominant philosophy nowadays is 'enjoy your life when you are still young'. Most young adults like to work for a period of time and then go on for a trip to visit some places they have never been to. Those trips not only help them to keep in shape but also provide them different kinds of knowledge and new perspective in looking at their environment. Other people spend the money for their leisure, which helps them to relax and go back to work with enough energy.

In the old days, it is said that people who save money in a bank understand the philosophy of thrift. Actually, economists say that in the modern world saving money in a bank is the quickest way to lose it. Moreover, none of the rich people became rich by getting interests from the bank. Living in a constantly changing world, we should adjust ourselves to accept the new ways of investing our money to different areas in order to get the most of it. That is probably the reason why most of the people nowadays put their money into business to get a better payback.

The third obvious(显然的)reason why I prefer spending money rather than saving them is that it is part of the contribution for the economic growth in our country. If nobody has the needs to buy stuff from others and the market, nobody will think about how to produce useful products and sell them to make the most profits. Some countries continue to lower the interests in order to force people to spend their money and therefore benefit the society as well as the people themselves. In this broad view, I prefer spending money rather than saving them.

In conclusion, I prefer spending money because it benefits ourselves as well as people around us. It's also important for kids to know how to save money as a sense of thrift. Nevertheless, spending money is still the best way to make our lives enjoyable and worthwhile.

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