Fill in the blanks by selecting suitable words from the word bank. You may not use any of the words more than once. A charmed B dilemma C appetite D explicit E retain F derive G withdraw H urgent I manipulated J obstacles K option L implicit M hinder N suspend O perspectives To spend or save is a question which many people have. There is always a(n) 1) ______ whether one should spend the money that he has earned or save that money for the future. Well, there is no 2) ______ answer to the question as different people have different 3)______ on their life, and that is the reason why some people tend to spend all the money earned while others 4) ______ control over their money. People who spend all the money do not think much about the future. The only thing that they enjoy doing most is to 5) ______ pleasure from spending money. For example, if they like a particular car, mobile phone or laptop, they will buy it without giving it a thought. For them, the most important thing is to satisfy their material 6) ______. People who have their first job or who haven’t married often fall in this category. In the long run, saving is a good 7) ______ for one’s life as saving helps an individual to plan for future 8) ______ needs. That is also the reason why many people save money for a rainy day. Individuals who can 9) ______ their spending save money successfully. Instead of buying on impulse, they delay their purchasing decision and won’t be easily 10)______ by commercial ads. Individuals who have responsibility for their family belong to this category.