dilemma

charmed

explicit

appetite

derive

retain

urgent

withdraw

obstacles

manipulated K. implicit L. option M. perspectives N. hinder O. suspend 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. ?xml:namespace>