Opening 开头

1. In this day and age / In this era of fast-paced society / Nowadays, 1.今时今日 / 在这快节奏社会的时代 / 现今，金钱是生命的能量
money is the energy for life / motivation of life . /动力。
2. I strongly agree that we can purchase and get everything with 2.我强烈同意我们可以购买和获得一切通过钱。 虽然我们无法
阻止日常开支支出，但我们可以明智地花钱。
money. Although we cannot stop the daily expenditure 支出 , we
can spend money wisely.

Ending 结尾
1. By and large / All in all , there are myriad of ways to spend money 1. 总的来说/总而言之，有无数种明智花钱的方法。
wisely .
2. Money management is vital=crucial=important in our daily 2. 金钱管理在我们的日常生活/日常生活中是至关重要的。
routines / daily lives .
3. 因此，我们在花钱之前必须三思而后行。
3. Hence we must think twice before spending money .

Point 1 内容 2
1. We are advised to avoid buying on impulse 冲动. 1. 建议避免冲动购买。
2. For instance , we can avoid visiting online shopping websites 2. 例如，我们可以避免上 Lazada 或 Shopee 等在线购物网站。
such as Lazada or Shopee.
3. 这是因为我们去网上购物时有很多产品的促销。
3. This is due to the reason that there are a lot of promotion of the
products when we go for online shopping .
4. If we need something , we can go to the store and actually pick it 4. 有需要的话可以到店里实际取货，避免一时冲动购买。
up to avoid buying on impulse .

Point 2 内容 3
1.We are suggested to pay in cash . 1. 我们建议以现金支付。
2. For example , we should avoid using credit cards or debit cards 2. 例如，我们应该避免使用信用卡或借记卡购物时。
when shopping .
3. This is because it is hard to realize the spending amount . 3. 这是因为支出金额难以实现。
4. 因此，当我们用现金支付时，我们往往会花更少的钱。
4. Hence we tend to spend less when we are paying in cash .

Point 3 内容 3
1.We should make a shopping list to spend money wisely . 1. 我们应该制定一个购物清单，以便明智地花钱。
2. For instance , we can list out the necessary things. 2. 例如，我们可以列出必要的东西。
3.This is due to the reason that we can focus on what we really need 3. 这是因为我们可以专注于我们真正需要的东西买。
to buy.
4. 因此，我们可以节省宝贵的时间和记录支出开销。
4. As a result , we can save our precious time 宝贵时间 and
keep tract of 记录 expenditure.

impulse 冲动 Keep tract of 记录

Expenditure 支出 Tent to = likely to 倾向于
Necessary = essential 必要 Countless = myriad of 无数
precious 宝贵的 Vital / important / crucial 重要