Nowadays,with the occurrence of new consumption way like credit card consumption andvariety of financial plans and loans provided by banks and other institutions,a growing number of people have advocated using tomorrow’s money. However, asfar as I am concerned, saving money is a good habit and we should keep it allthe time.

如今，随着新的消费方式的出现，比如信用卡消费，各种财务计划和银行或其他机构贷款，越来越多的人主张提前消费。然而，我觉得存钱是个好习惯，我们应该一直保持这样的习惯。

Thereis an old saying that “a penny saved is a penny earned”. The saying revealsthat no matter what situation we are in, it is necessary and useful to makesome preparation for unpredictable emergencies. In modern times, it is quitenecessary to collect some money at any time to deal with changeable situation.What’s more, saving money is not only a good habit but also an essential coursein one’s lifetime. What we need to learn is not only to earn money but alsolearn to manage our money properly instead of spending unlimitedly¹. And savingmoney should be a part of our financial plan as well as we should be the masterof money rather than being controlled by money.

有一句老话是这样说的“省钱就是赚钱”。无论在什么情况下，为意料之外的紧急情况做一些准备是很有必要也是很有用的。在现代，随时随地存一些钱来应对多变的情况是很有必要的。更重要的是，存钱不仅是一个好习惯也是人的一生中不可或缺一堂课。我们需要学习的不仅仅是赚钱，也要学会正确管理自己的钱而不是无节制的花钱。存钱应该是我们的财务计划的一部分，我们应该成为掌控金钱而不是让金钱掌控我们。

Therefore,saving money is a good habit, but I do not contend that we should not spendmoney at all and become a mean man. I am just saying that we should keep thehabit of saving money and spend money according to our plan.

因此，存钱是个好习惯，但我不主张一分钱都不花，成为一个小气的人。我只是想说我们应该养成存钱的习惯并按照计划花钱。