spending money essay

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Sample toefl essay – spending money, the question.

Some people like to spend their money as soon as they earn it, while others think it is better to save their money for some time in the future. Which do you prefer? Use specific reasons and examples to support your opinion. Do not use memorized examples.

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The Sample Essay

Money concerns are a major cause of stress and anxiety in the modern world. In my opinion, it is a really wise idea to save money for the future. I feel this way for two main reasons, which I will explore in the following essay.

To begin with, older people are able to make better financial decisions than youngsters due to their experience and maturity. Young people, who have very little worldliness, are prone to spending their money on products that are mostly useless and which they quickly tire of. Older people, on the other hand, know which purchases will result in long-term happiness and satisfaction. My own experience is a compelling example of this. When I was young, I spent a tremendous amount of money on video games and comic books which I enjoyed only for a short time. Later, when I enrolled in university, I did not have enough savings to pay for my tuition, and was forced to take out a significant number of student loans. Even today, several years after graduation, I regret not saving much money as a teenager. These days I am a lot more conservative when it comes to spending, and carefully consider all of my future expenses.

Secondly, life is full of unexpected emergencies which can cause a lot of anxiety if we do not have a lot of money saved up. According to reports in the media, more than seventy-five percent of all bankruptcies in my country are the result of medical bills. I am totally aware that it is humiliating to lose our financial independence in this way. For example, last year my uncle suffered a major heart attack which required him to undergo very expensive cardiac surgery. He did not have enough money to pay for this procedure, so he had to ask his elderly parents for a loan. They were able to help him because they had resisted the urge to spend and saved money through their entire lives. He felt extremely embarrassed about begging his parents for assistance, especially as he could have avoided the situation by emulating their frugal behavior.

In conclusion, I believe that it is better to save money for the future rather than spend it right away. I feel this way because we gain the ability to make better financial decisions as we mature, and because saving money helps us avoid the humiliating effects of unexpected financial emergencies. (405 words)

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Essay on Money for Students and Children

500+ words essay on money.

Money is an essential need to survive in the world. In today’s world, almost everything is possible with money. Moreover, you can fulfill any of your dreams by spending money. As a result, people work hard to earn it. Our parents work hard to fulfill our dreams .

Furthermore various businessmen , entrepreneurs have startup businesses to earn profits. They have made use of their skills and intelligence in getting an upper hand in earning. Also, the employee sector works day and night to complete their tasks given to them. But still, there are many people who take shortcuts to success and get involved in corruption.

Black Money

Black money is the money that people earn with corruption . For your information corruption involves the misuse of the power of high posts. For instance, it involves taking bribes, extra money for free services, etc. Corruption is the main cause of the lack of proper growth of the country .

Moreover, money that people having authority earns misusing their powers is black money. Furthermore, these earnings do not have proper documentation. As a result, the people who earn this do not pay income tax . Which is a great offense and the person who does this can be behind bars.

Money Laundering

In simple terms, money laundering is converting black money into white money. Also, this is another illegal offense. Furthermore, money laundering also encourages various crimes. Because it is the only way criminal can use their money from illegal sources. Money laundering is a crime, and the people who practice it are liable to go to jail.

Therefore the Government is taking various preventive measures to abolish money laundering. The government is linking bank accounts to AADHAR Card. To get all the transaction detail of each bank account. As a result, the government comes to know if any transaction is from an illegal source .

Also, every bank account has its own KYC (Know your Customer) this separates different categories of income of people. Businessmen are in the high-risk category. Then comes the people who are on a high post they are in the medium-risk category. Further, the last category is of the Employee sector they are at the lowest risk.

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White Money

White money is the money that people earn through legal sources. Moreover, it is the money on which the people have already paid the tax. The employee sector of any company always has white money income.

Because the tax is already levied on their income. Therefore the safest way to earn money is in the employment sector. But your income will be limited here. As a result, many people take a different path and choose entrepreneurship. This helps them in starting their own company and make profitable incomes .

Every person in this world works hard to earn money. People try different methods and set of skills to increase their incomes. But it is always not about earning money, it’s about saving and spending it. People should spend money wisely. Moreover, things should always be bought by judging their worth. Because money is not precious but the efforts you make for it are.

Q1. What is Black Money?

A1. Black money is the money that people earn through illegal ways. It is strictly prohibited in our country. And the people who have it can go to jail.

Q2. What is the difference between Black money and White money?

A2. The difference between black money and white money is, Black money comes from illegal earnings. But white money comes from legal sources with taxation levied on it.

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260 Money Topics to Write About & Essay Examples

Looking for a topic about money? Money won’t leave anyone indifferent! There are lots of money essay topics for students to explore.

🏆 Best Money Essay Examples & Ideas

👍 good money essay topics, 💡 easy money topics to write about, 📃 interesting topics about money, 📑 good research topics about money, 📌 most interesting money topics to write about, ❓ research questions about money.

You might want to focus on the issue of money management or elaborate on why money is so important nowadays. Other exciting topics for a money essay are the relation between money and love, the role of money in education, etc. Below you’ll find a list of money topics to write about! These ideas can also be used for discussions and presentations. Money essay examples are a nice bonus to inspire you even more!

Can Money Buy You Happiness? First of all, given that happiness is related to the satisfaction of personal needs, there is also a need to consider the essential need of human life such as housing, medicine, and food.
Connection Between Money and Happiness Critical analysis of money-happiness relationship shows that socioeconomic factors determine the happiness of an individual; therefore, it is quite unsatisfactory to attribute money as the only factor and determinant of happiness.
Money as a Form of Motivation in the Work Place This then shows that money can and is used as a motivational factor in the work place so that employees can strive to give their best and their all at the end of the day.
Money, Happiness and Relationship Between Them The research conducted in the different countries during which people were asked how satisfied they were with their lives clearly indicated the existence of a non-linear relationship between the amount of money and the size […]
I Don’t Believe Money Can Buy Happiness This shows that as much as money is essential in acquisition and satisfaction of our needs, it does not guarantee our happiness by its own and other aspects of life have to be incorporated to […]
Does Money Buy Happiness? Billions of people in all parts of the world sacrifice their ambitions and subconscious tensions on the altar of profitability and higher incomes. Yet, the opportunity costs of pursuing more money can be extremely high.
Why Money Is Important: Benefits & Downsides The notion originated from the Bible because the person who made Jesus suffer on the cross was enticed by the love of money to forsake Jesus.
Money: Good or Evil? Comparing & Contrasting While there are those amongst us who subscribe to the school of though that “money is the source of all evil”, others are of the opinion that money can buy you anything, literary.
Should America Keep Paper Money It is possible to begin the discussion of the need for keeping paper currency from referring to the rights of any people.
Discussion: Can Money Buy Happiness? Reason Two: Second, people are psychologically predisposed to wanting more than they have, so the richer people are, the less feasible it is to satisfy their demands.
Anti-Money Laundering and Hawala System in Dubai To prevent money launders and agents, most countries enacted the anti-money laundering acts with the goal of tracking and prosecuting offenders.
Strategies to Save and Protect Money Thus, the main points of expenditure will be clearly marked, which will help to exclude the purchase of unnecessary goods and services.
Time Value of Money: Importance of Calculating Due to fluctuations in economies, all organizations need to take into consideration concepts of the time value of money in any investment venture.
Anti-Money Laundering in Al Ansari Exchange Case Study Details Company name: Al Ansari Exchange Headquarters: Dubai, United Arab Emirates Sector: Financial Services Number of employees: 2500 Annual gross revenue: UAED 440.
Money and Modern Life The rich and the powerful are at the top while the poor and helpless are at the bottom, the rest lie in-between.
The Global Media Is All About Money and Profit Making It is noteworthy that the advertisement are presented through the media, which confirms the assertion that global media is all about money and profit making. The media firms control the information passed to the public […]
Why People Should Donate Time, Money, Energy to a Particular Organization, Charity, or Cause Its vision is to have a world that is free from Alzheimer’s disease.”The Alzheimer’s Association is the leading, global voluntary health organization in Alzheimer’s care and support, and the largest private, nonprofit funder of Alzheimer’s […]
Opinion on the Importance of Money In the absence of money, individuals and organizations would be forced to conduct transactions through barter trade which is a relatively challenging system due to existence of double coincidence of wants.
Anti Money Laundering and Financial Crime There are a number of requirements by the government on the AML procedures to be developed and adopted by the firms in the financial service in industry in an attempt to fight the illegal practice.
Relation Between Money and Football In the English league, clubs have been spending millions to sign up a player in the hope that the player will turn the fortunes of the company for the good.
Dreams of Avarice in Ferguson’s “The Ascent of Money” The chapter “Dreams of Avarice” of the book “The Ascent of Money” explores different stages of development of money functioning in the world by relating them to corresponding historical events.
Giving Money to the Homeless: Is It Important? The question of whether a person should give money to a homeless person or not is a complicated one and cannot have the right answer.
Two Attitudes Towards Money The over-dependence on money to satisfy one’s emotional needs is a negative perspective of money. The positive attitude of money is rarely practiced by people.
Money Saving Methods for College Students A budget is one of the methods that a college student can use to save money. In the budget, one should indicate how much to save and the means of saving the money.
Edwin Arlington Robinson: Money and Happiness in “Richard Cory” It is evident that money cannot guarantee happiness in one’s life due to the uncertainties that surround each one of us.
Success and Money Correlation The development of the information technologies and the ongoing progress led to the reconsideration of the values and beliefs. It is significant to understand that there is no right or wrong answer for the question […]
The Lebanese-Canadian Bank’s Money Laundering The bank was later banned from using the dollar by the American treasury; this resulted in the collapse and eventual sale of the bank.L.C.B.had to pay a settlement fine of one hundred and two million […]
Money and Banking: General Information The essay gives the definition of money and gives a brief description of the functions of money. As a store of value, money can be saved reliably and then retrieved in the future.
Prices Rise When the Government Prints too Much Money Makinen notes that an increase in the supply of money in an economy relative to the output in the economy could lead to inflationary pressure on prices of goods and services in the economy.
Money or Family Values First? Which Way to Go As such, family values becomes the epicenter of shaping individual behavior and actions towards the attainment of a certain good, while money assumes the position of facilitating the attainment of a certain good such as […]
Money, Happiness and Satisfaction With Life Nonetheless, the previously mentioned examples should be used to remind us that money alone is not a guarantee of happiness, satisfaction with life, and good health.
Time Value of Money: Choosing Bank for Deposit The value of the money is determined by the rate of return that the bank will offer. The future value of the two banks is $20,000 and $22,000 for bank A and bank B respectively.
Money and Its Value Throughout the World History What is important is the value that people place on whatever unit they refer to as amoney.’ Money acts as a medium of exchange and an element of measurement of the value of goods and […]
Drugs: The Love of Money Is the Root of All Evils The political issues concerning the use of drugs consist of, but not limited to, the substances that are defined as drugs, the means of supplying and controlling their use, and how the society relates with […]
Money Laundering: Most Effective Combat Strategies The practice of money laundering affects the economy and security of a country. Countries have directed their efforts to curb money laundering to control the downwards projections of their countries’ economies.
Change in the Value of Money According to Keynes To explain the effect of inflation on investors, Keynes delves into the history of inflation through the nineteenth century and tries to explain the complacency of investors at the beginning of the First World War […]
Efforts to Raise Money for Charity However, the point is that charity is supposed to be for a simple act of giving and not expecting any returns from it.
Electronic Money: Challenges and Solutions First of all, it should be pointed out that money is any type of phenomenon which is conventionally accepted as a universal carrier of value, or “any generally accepted means of payment which is allowed […]
Money, Success, and Relation Between Them In particular, the modern generation attaches so much importance to money in the sense that success and money are presumed to be one and the same thing.
Park Avenue: Money, Power and the American Dream – Movie Analysis It can be taken as the national ethos of the citizens of the USA. The basis of the American society is broken and it is not united anymore.
Money and Happiness in Poor and Wealthy Societies Comprehending the motivations for pursuing money and happiness is the key to understanding this correlation. The Easterlin paradox summed this view by showing that income had a direct correlation with happiness.
Money and Work Performance When there is a deliberate effort by the workplace to reduce the incidence of these, both the agency and the employees benefit.
Artworks Comparison: Les Demoiselles d’Avignon and Tribute Money Though the Les Demoiselles d’Avignon, a fresco created by Picasso, was created in an entirely different epoch than Masaccio’s Tribute Money was, the two artworks still share a range of stylistic, compositional and conceptual similarities, […]
Money Laundering Scene in Police Drama “Ozark” In one of the first season’s episodes, Marty, the main character, illustrates the process of money laundering crime. In the scene, one can see that Marty is fully sane and is committing a crime voluntarily.
Money From the Christian Perspective Work in Christian missions is a business and since it affects the relationship between the missionary and the people he is trying to reach, missionary funding is essential.
Business Case Scenario: Missing Money in a Company A possible scenario explaining how money is missing is through the payroll department my first argument seeks to prove the payroll department as the loophole of the company’s misfortunes.
Sports Stadiums’ Funding by Public Money The issue is controversial from an ethical point of view since not all citizens whose taxes can be spent on the construction of the stadium are interested in or fond of sports.
Money Laundering: The Kazakhgate Case He was accused of breaking the Foreign Corrupt Practices Act of 1974 and money laundering by the U.S.attorney’s office for the Southern District of New York.
The Ways Terrorists Raise and Move Money Moreover, the government has put into action the freezing orders and blocking of united states individuals who are presumed to have a hand in terrorist activities.
“Money as a Weapon” System and Fiscal Triad Furthermore, the fiscal triad encompasses the procurement of products and services and the disbursement and accounting of public funding. Fiscal legislation and contracts are two key components of the “money as a weapon” system.
The Fiscal Triad and Money as a Weapon System The reliance on the unit commanders sparked the development of the complementary strategy, “Money as a Weapon System,” which became a focal point of the Iraq and Afghanistan campaigns.
Saving Money Using Electric or Gas Vehicles The central hypothesis of the study is that the electric car will save more money than gas ones. The main expected outcome that the study is counting on is a confirmation of the presented hypothesis […]
Traditional vs. Modern Forms of Money The most significant argument for the continuing existence of traditional forms of money is the impossibility of converting all financial resources into a digital form.
Money Laundering Through Cryptocurrencies This study will try to critique the approaches used by countries to address the aspect of money laundering activities and the risks posed by digital currencies.
Time Value of Money: What You Should Know The time value of money is a paramount financial concept, according to which a certain amount is now worth more than the same amount in the future.
Play Money Paper: A Report Betas of the Companies in the Portfolio It is noteworthy that in the given portfolio, the beta indices of the companies involved vary considerably.
Integration of Business Ethics in Preventing Money Laundering Schemes The shipping information within the document seems inaccurate with the intention to launder money from the buyer. The contribution of ocean carrier in the transaction process is doubtful to a given extent.
Where Does the Money Go? by Bittle & Johnson Therefore, the authors explain key issues of the national debt in a relatively simple language and provide their opinion on how the country got into that situation and what could be done about it. In […]
Trade-Based Money Laundering The purpose of this paper is to research the subject of trade-based money laundering, its impact on global scene and export controls, identify types of trade finance techniques used to launder illegal money, and provide […]
Impact of Natural Disasters on Money Markets and Investment Infusion of funds from the central bank during natural disasters results in higher process of exports as a direct result of an increase in the value of the local currency.
The Perception of Money, Wealth, and Power: Early Renaissance vs. Nowadays In the Renaissance period, power was a questionable pursuit and could be viewed as less stable due to more frequent upheavals.
Financial Institutions and Money Money is a store of value because it can be saved now and used to purchase se goods and services in the future.
Researching of the Time Value of Money After receiving the loan, one of the monetary policies that would help PIIGS to stabilize is the deflation of their currency, in this case, the Euro.
Anti-Money Laundering: Financial Action Task Force Meanwhile, given the limited access for physical assessment of state jurisdictions, it is likely that current provisions of FATF are yet to be revised in spite of pandemic travel and assessment restrictions.
Anti-Money Laundering in the UK Jurisdiction The regime adopted in the UK is based on the provisions of “the Terrorism Act of 2000, the Proceeds of Crime Act of 2002, as well as the Money Laundering, Terrorist Financing, and Transfer of […]
Trade-Based Money Laundering and Its Attractiveness The proliferation of the trade-based money laundering is directly related to the growing complexity of international trade systems, where new risks and vulnerabilities emerge and are seen as favorable among terrorist organizations seeking for the […]
Money Laundering and Sanctions Regulatory Frameworks Under the provisions of OFAC, the company has violated the cybersecurity rules that might indirectly bring a significant threat to the national security or the stability of the United States economy by engaging in online […]
Type Borrowing Money: Margin Lending In the defense of the storm financial planning firm, BOQ submitted to the authorities that in view of banking regulatory policies, storm had not contravened any of the policies and this is the reason why […]
Lessons on Financial Planning Using Money Tree Software Financial planning remains a fundamental function among the investors in coming up with a method of using the finances presently and in the future.
The Supply of Money in the Capitalist Economy In the capitalist economy that the world is currently based on, the supply of money plays a significant role in not only affecting salaries and prices but also the growth of the economy.
Time Value of Money Defined and Calculations Simply put, the same value of money today is worth the same value in future. The time value of money can therefore be defined as the calculated value of the money taking into consideration various […]
Money Tree Software: Financial Planning This return is important because: It represents the reward the business stakeholders and owner of the business get in staking their money on the business currently and in the future It rewards the business creditors […]
Money Management: Investment on Exchange-Traded Funds The essay will discuss the possibility of investing in a number of selected ETFs in connection to an investment objective of an individual.
What Is Money Laundering and Is It Possible to Fight It Certainly and more often money involved in laundering is obtained from illegal activities and the main objective of laundering is to ‘clean’ the dirty money and give it a legitimate appearance in terms of source.
How Money Market Mutual Funds Contributed to the 2008 Financial Crisis While how the prices of shares fell below the set $1 per share was a complex process, it became one of the greatest systemic risks posed by the MMMF to the investors and the economy […]
Time Value of Money From an Islamic Perspective Islamic scholars say that the time value of money and the interest rates imposed on money lent are the reasons why the poor keep on getting poor and the rich richer.
Rational Decision Making: Money on Your Mind The mind is responsible for making financial decision and it is triggered by the messages we receive on the day to day activities. Lennick and Jordan explain that, we have two systems in the brain; […]
A Usability Test Conducted on GE Money.com.au It is common knowledge that the easier it is to access services and products on a given website the more likely users will be encouraged to come back.
“Most Important Thing Is Money Ltd”: Vaccination Development Thus, necessary powers have been vested with the Secretary of State for Health in England, through the recommendations of the Joint Committee on Vaccinations and Immunisation to enforce such preventive steps, through necessary programs that […]
Money Investments in the Companies and Bonds The stock volume is on the low level now, about 30, but it is connected with the crisis in the world and the additional investment may support the company and increase it. In general the […]
Money Management in the Organization There is a much debate on the issue and several people an financial experts do analyze the historical perspectives of the Active vs Passive money management.
How the Virus Transformed Money Spending in the US In the article featured in the New York Times, Leatherby and Geller state that the rate at which people spend their money has rapidly decreased due to the emergence of the virus in the United […]
The Role of Money and Class Division in Society The image of modern American society tries in vain to convey the prevalence of personality over social division. Americans’ perception of financial status has been shaped for years by creating the notion of the “American […]
Money and American Classes in 1870-1920 Wherein, the time of the stock market emergence was the time of the ongoing “carnival,” where the mystical power of money transferred to miraculous products and medicines and compelling advertisements.
The Ascent of Money – Safe as Houses Looking from a broad historical perspective, Niall Ferguson devotes the chapter “Save as Houses” to the observation of the real estate concept transformation, describes the place of the real estate market in the economic systems […]
The Ascent of Money – Blowing Bubbles The price for a share tells how much people rely on the cost of the company in the future. The life of a stock market represents the reflection of human moods on the price of […]
Canada’s Role in the History of Money: The Relationship Between Ownership and Control Individuals with the predominant shares gain the directorship of the wealth production channels and as such gain control of the diversified owners.
Why Non-Monetary Incentives Are More Significant Than Money It is important to recognize that both monetary and non-monetary incentives, otherwise known as total rewards, are offered to employees in diverse ways for purposes of attracting and motivating them to the ideals of the […]
To Make Money or Serve the Society? However, when the issue of the corporation to serve the society arises, then it kind of compromises the main focus of the corporation, which is to make money. These have been the major causes of […]
Money Role in Macro Economy The dollar is till now the most accepted currency in the world and this dollar fluctuation that has been caused by the worst recession in American history since the time of the Great Depression is […]
Two Attitudes Toward Money Two attitudes toward money involve negative perception of money as universal evil and positive perception of money as source of good life and prosperity.
Organizational Communication & the “Money” Aspect While the use of this information is critical for both ensuring survival of the organization and being a frontrunner in its strategies for the future, there are large boulders in use of this information effectively, […]
Tax Money Usage on Military Spending Issue The fact that America won the Cold War and defeated the Soviets is taken as a vindication by the American leaders of the need to continue military spending.
Money Makes You Happy: Philosophical Reasoning It is possible to give the right to the ones who think that money can buy happiness. This conclusion is not accepted by psychologists who think that wealth brings the happiness only in the moment […]
“Who Says Money Cannot Buy Happiness” by Lee Investment is a production process for will it bring about goods and services that can be sold to the market and in the process, the owner of the business makes some profit.
Technical Analysis as Active Money Management Method Technical analysis is the financial markets methodology that asserts the capability to foretell the probable course of security charges by the means of past market data study, principally price and volume.
Spare Change: Giving Money to the “Undeserving Poor” To address the central theme of the article, one need to delve deeper into the psyche of giving alms and money to the poor people we meet on the street.
The Use of Money in Business Practices Money is seen as the cause of problems and especially in the minds of emerging market respondents. Through this they can pick up groceries for the old in their neighborhood and make money from this.
Money Laundering and Terrorist Finance However, the balance money after the sham gambling is transferred to another ordinary bank account, thereby creating a legal status for the laundered money as if it has come from gambling and will be employed […]
City Planning. Too Much Money: Why Savings Are Bad The scenario is that the expected growth in economies where the rate of savings is high has not shown a corresponding increase in growth rate also.
Debates in Endogenous Money: Basil Moore The value of the currency was determined by the value of the precious metal used to mint the currency. From the time Federal Reserve took control of money and credit, economic consistency is attained by […]
Money and Banking. Financial Markets The essay will examine the essence and the importance of the above-mentioned financial phenomena and see how their interrelation, especially in the negative context, can influence the state of things in society.
Money and Justice: High-Profile Cases It is estimated that thousands of persons bracketed in the ‘poor’ sector of society go to jail annually in the United States without having spoken to a lawyer.
Accounting for Public Money After Railway Privatization There were very many problems prior to the railway privatization in 1990.one of the problems that led to the privatization of the railway line in the UK was the misappropriation of taxpayers’ money.
Time Value of Money and Its Financial Applications The time value of money refers to the idea that money available at the present time is worth more than the same amount in the future, due to its potential earning capacity.
Time Value of Money in Examples Therefore, re-purchase of the shares appeals to the managers of the company because it will allow the company uses the money to regenerate more money for the purpose of repurchase the shares in the future.
Wall Street Managers: The Art of Making Money In the end, the goal of Wall Street managers is to ensure optimal returns in all of their investments. The evolution of Wall Street managers is etched in the history of financial markets.
Money Laundering in the USA and Australia The International Money Fund has established that the aggregate size of money laundering in the World is approximately four percent of the world’s gross domestic product.
Locke’s Second Treatise of Government and Voltaire’s Candide’s Value on Money Both written at a time when philosophers had started questioning the relevance of capitalism and the concept of wealth creation, it is evident that the two authors were keen on explaining the power of money […]
The Concept of Money Laundering The first issue I have learned is that the main problem lies in the presence of Big Data that includes trillions of transactions of various financial organizations and systems.
Fraud, Money Laundering, and Terrorism Financing After the audacious attack by Al-Qaeda and the destruction of the Twin Towers on 11th of September 2001, terrorism was declared the number one enemy to the peace and stability of the modern world.
Time Value of Money – Preparing for Home Ownership The purchase price of the house is determined by using the following formula in Excel. 66 The down payment is 20% of the future value of the house, i.e, $40,278.13.
Martin Van Buren: Money and Indian Relocation One of the reasons for such collaboration and understanding is the focus on the values we have. I believe this path will bring us to the land we all would like to live in.
The General Theory of Employment, Interest and Money Money is a determinant of the propensity to consume; hence, the more money one makes, the more that he or she consumes and the converse is the case.
The Practice of Saving Money Knowledge of the language is also a very crucial component of EAP as it aids the learner in understanding questions and responding to them in their examinations.another differentiating factor between the two varieties of English […]
Money Market and Value-Based Pricing Consequently, the GDP can be defined by the equation: Y=C+I+G+NX where: Y= Total GDP, C=Consumption by household, I=Investment, G=Government expenditure, NX=Net Exports Net Domestic product entails the reduction of the GDP by the depreciation of […]
How Money Markets Operate? Furthermore, only free markets have shown the resilience that is necessary to accompany the fluctuations in demand and supply of the money markets.
Access Right to Money: Sculpture Theft Among the suspects, there are those in dire need of the money due to financial problems, while others need the values worth of the item and not the actual monetary price attached to the item.
History of Money in Spain The production of coins melted from gold also ceased in the year 1904, with the production of that melted from silver ceasing in the year 1910.
Money Flows and Financial Repression in the US and China From the article, the authors depict how the interest rates in developed countries like the United States compare with those of the emerging markets such as China, India, and Brazil.
Management: “Marketplace Money” and “Undercover Boss” In this case, the accents are made on the support of the healthy workforce in order to guarantee the better employees’ performance and on the idea of rewards as the important aspects to stimulate the […]
Money Compensation for Student-Athletes Besides, sports are highly lucrative for colleges, and students whose labor brings the revenues should share the part of them not to lose the interest in such activities.
Chapters 1-3 of “Money Mechanics” by David Ashby The retained amount of money in the commercial bank is the primary reserve. The banks can decide to reduce their working reserve, and the money obtained is transferred to the excess reserve fund in accounts […]
Banking in David Ashby’s “Money Mechanics” Changes in prices may not have a direct effect on the gross domestic product and the planned expenditures because this is determined by the money that is in supply. This causes the GDP and prices […]
The UAE Against Money Laundering and Terrorism Financing This valuation of the anti-money laundering and combating the financing of terrorism government of the United Arab Emirates is founded on the forty endorsements and the nine special commendations on extremist supporting of the monetary […]
UAE Anti-Money Laundering Laws and Their Benefits The legal maintenance of counteraction to the legalization of criminal incomes is carried out by means of a system of laws and regulations, controlling financial, bank, and customs relations and establishing the order of licensing […]
Money, Their Features, Functions and Importance The first hindrance is the inability of the household to monitor the activities of firms. In this case, it is used to state the value of debt.
Happiness Without Money in Sociology and Psychology The tendency’s mechanics are simple – being in the possession of any substantial sum of money increases a person’s chance to secure a dominant status within the society, which in turn will result in strengthening […]
Money Market Development Factors The money market is one of the fundamental elements in the functioning of any state. Under these conditions, the gradual rise of technologies and their implementation in the sphere of financial operations alter the money […]
“God’ Money is Now My Money” by Stanley Seat It could be said that different priorities and the lack of time for supervision of the employees are the critical reasons for the violation of rules and high frequency of fraud in the religious institutions […]
International Money Laundering Thus, money laundering has a profound impact on the state of the global economy, as well as on the economy of the U.S.
Cybercrime and Digital Money Laundering The result of the investigation was the indictment of Western Express and a number of the company’s clients for several charges including stolen credit card data trafficking and money laundering.
Hawala Remittance System: Anti-Money Laundering Compliance The existence and operation of money remittance systems is one of the primary features of developing economic relation at all scales from local to the global ones.
Time Value of Money in Economies of Scale Also, the investigation of the VoF becomes easier by means of scrutinizing the tradeoff between the TVM and the EoS. The TVM is also employed to reach the integration of infrastructure investment valuation and risk […]
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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.

English writing practice: topic 32 – sample 1.

“Save it for rainy day,” That’s my motto. When I have a choice between spending my money or putting it in my savings account at the bank, I always put it in the bank. I will have a lot of expenses in the future like my education, travel, and unforeseen emergencies. I need to have money set aside for these expenses.

Education is expensive. I can’t depend on my parents to pay all my bills. I have tuition, room and board, books, and incidental expenses to pay for. I’ll try to get a scholarship to cover some of these costs, but I know I will be responsible for a lot of the expenses. If I spend my money now, I won’t be able to pay for my education.

I need to save money for my education. Travel is also very expensive. I don’t mean vacation travel. I mean travel to get to and from school. Transpacific airfare costs a lot even special reduced fares. I first have to get to school and then, of course, I want to return to my family for important festivals and occasions. Going back and forth will be costly, but worth it. I need to save money for these trips.

Emergencies could arrive at any moment. I might have an unexpected illness while I am at school. There might be costs that aren’t covered by the school insurance. One of my family members may need help. I will have to send them money. You can’t predict emergencies like this, but you can be prepared. I need to save money for these emergencies.

When you are not rich, you cannot spend your money carelessly . You must plan ahead. I know in my life, I will have expenses for my schooling and for traveling to and from my home. I know that I will also have unexpected expenses related to unforeseen emergencies. I must be prepared. I need to save money for these events.

English Writing Practice: Topic 32 – Sample 2

When faced with the decision of saving your money for some time in the future or enjoying your money when you earn it, quite a few would claim to enjoy their money, but others, in contrast, deem to save their money as the premier choice and that is also my point. This quite different view is based on the every possible reason.

Foremost reason for saving the money for future use is when you need a lot of money to deal with some emergent things that happen to you, you should not worry about the fund or lend some money everywhere at that time. For example, two years ago, I spend my summer holiday in a famous scenery pot, after a wonderful trip of the first day, I lost my wallet unconsciously, then I took out some money in the bank to finish the trip. If you did not have some deposit, you can imagine how embarrassed you are.

Second, I have finished my college study, and I am going to go abroad to get a master degree to enhance the ability to face the challenge in the society. Plenty of money is very important to me, so I have to save all the money that I economized for future use.

Third, the economy condition of my family is not so good that I decide to earn enough money to buy a big house for my deeply loving parents.

This is arbitrary to judge saving money for future use according only to the excuse I mentioned in the above paragraph. But I do not deny that enjoying the life is also important to everyone because of brief life. That is to say, I will enjoy my money if I deposit enough.

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114 Money Essay Topic Ideas & Examples

Inside This Article

Money is a topic that affects us all in one way or another. Whether we are saving for the future, managing our finances, or trying to make ends meet, money plays a crucial role in our lives. If you are looking for inspiration for your next essay on money, here are 114 money essay topic ideas and examples to help get you started.

The importance of financial literacy in today's society
The impact of inflation on consumer purchasing power
The role of credit cards in modern society
How to create a budget and stick to it
The psychology of money and spending habits
The effects of consumerism on society
The benefits of saving money for the future
The impact of student loan debt on young adults
The relationship between money and happiness
The rise of digital currencies like Bitcoin
The ethics of wealth distribution in society
The impact of social media influencers on consumer spending
The role of advertising in shaping consumer behavior
The pros and cons of investing in the stock market
The effects of globalization on the economy
The importance of financial planning for retirement
The impact of income inequality on society
The role of government in regulating the economy
The benefits of investing in real estate
The rise of the gig economy and its impact on workers' finances
The impact of automation on job security and wages
The benefits of diversifying your investment portfolio
The impact of interest rates on borrowing and saving
The role of insurance in protecting your finances
The impact of taxes on personal finances
The benefits of starting a side hustle to supplement your income
The impact of technology on personal finance management
The role of education in improving financial literacy
The impact of economic recessions on personal finances
The benefits of setting financial goals and milestones
The impact of social class on access to financial resources
The role of gender in shaping financial attitudes and behaviors
The benefits of investing in education and skills development
The impact of gambling and addiction on personal finances
The role of philanthropy in giving back to society
The benefits of creating a will and estate plan
The impact of healthcare costs on personal finances
The role of entrepreneurship in creating wealth
The benefits of investing in your health and well-being
The impact of consumer debt on financial stability
The role of family and social support in managing finances
The benefits of financial independence and autonomy
The impact of cultural norms and values on money management
The role of government assistance programs in alleviating poverty
The benefits of investing in sustainable and ethical companies
The impact of climate change on the economy and personal finances
The role of corporate social responsibility in business practices
The benefits of creating a financial plan for emergencies and unexpected expenses
The impact of job loss and unemployment on personal finances
The role of mental health in shaping financial attitudes and behaviors
The benefits of investing in renewable energy and green technologies
The impact of social media on consumer spending and peer pressure
The role of peer-to-peer lending and crowdfunding in raising capital
The benefits of investing in your personal and professional development
The impact of economic sanctions and trade wars on global finances
The role of data privacy and security in financial transactions
The benefits of investing in your community and local economy
The impact of political instability on financial markets and investments
The role of financial advisors and planners in managing wealth
The benefits of investing in your education and career advancement
The impact of social welfare programs on poverty alleviation
The role of charitable giving and philanthropy in society
The benefits of investing in arts and culture for economic growth
The impact of natural disasters and emergencies on personal finances
The role of sustainable and ethical investing in creating a better world
The benefits of investing in technology and innovation for economic progress
The impact of healthcare reform on access to affordable medical care
The role of trade unions and labor organizations in advocating for workers' rights
The benefits of investing in infrastructure and public services for economic development
The impact of corruption and fraud on financial stability and trust
The role of entrepreneurship and small businesses in driving economic growth
The benefits of investing in education and skills training for future generations
The impact of globalization and free trade agreements on the economy
The role of financial regulators and watchdogs in protecting consumers
The benefits of investing in research and development for innovation
The impact of income inequality on social mobility and opportunity
The role of microfinance and small loans in empowering marginalized communities
The benefits of investing in healthcare and wellness programs for employees
The impact of climate change on food security and agricultural production
The role of financial institutions and banks in promoting economic stability
The benefits of investing in renewable energy and sustainable practices
The impact of aging populations on social security and retirement funds
The role of digital currencies and blockchain technology in financial transactions
The benefits of investing in education and skills training for refugees and immigrants
The impact of artificial intelligence and automation on job displacement
The role of social entrepreneurship in addressing social and environmental challenges
The benefits of investing in affordable housing and urban development
The impact of income tax policies on wealth redistribution and social welfare
The role of consumer advocacy groups in promoting fair and transparent practices
The benefits of investing in clean water and sanitation for public health
The impact of economic sanctions and embargoes on global trade and finance
The role of financial education programs in empowering individuals and communities
The benefits of investing in mental health and wellness services for employees
The impact of political instability and conflict on economic development
The role of corporate governance and ethics in business practices
The benefits of investing in gender equality and women's empowerment
The impact of natural disasters and emergencies on supply chains and production
The role of community development and social enterprises in poverty alleviation
The benefits of investing in arts and culture for community engagement and cohesion
The impact of climate change on insurance premiums and risk management
The role of financial technology and mobile banking in promoting financial inclusion
The benefits of investing in vocational training and skills development for youth
The impact of income inequality on social cohesion and trust
The role of microfinance and small loans in promoting entrepreneurship and innovation
The benefits of investing in healthcare and wellness programs for seniors
The impact of automation and robotics on manufacturing and job displacement
The role of social enterprises and impact investing in sustainable development
The benefits of investing in affordable housing and urban renewal projects
The impact of economic sanctions and trade wars on global supply chains
The role of financial literacy programs in empowering marginalized communities
The benefits of investing in renewable energy and sustainable practices for the environment
The impact of aging populations on healthcare costs and social security systems
The role of digital currencies and blockchain technology in promoting financial transparency
The benefits of investing in education and skills training for underserved populations

In conclusion, money is a complex and multifaceted topic that touches on various aspects of our lives. Whether you are interested in personal finance, economic policy, or social justice, there is a wealth of essay topics to explore. By delving into these topics, you can gain a deeper understanding of the role of money in society and how it shapes our lives. So go ahead and choose a topic that resonates with you, and start writing your next money essay today.

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Home — Essay Samples — Economics — Money — Saving Money: Approaches and Importance

Saving Money: Approaches and Importance

Categories: Money

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Words: 714 |

Published: Sep 5, 2023

Words: 714 | Pages: 2 | 4 min read

1. approaches to saving money, 2. the importance of saving money, 3. balancing saving and spending, 4. cultivating a savings mindset, conclusion: a secure and fulfilling future.

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How I Spent My Pocket Money (Essay Sample)

Table of Contents

Introduction

If you had your own pocket money, how would you spend it?

This essay focuses on how to spend money, and how to do so wisely. In this piece, we share a person’s experience of being taught to spend money wisely and what he would buy when he was given a regular allowance.

Writing an essay on what you would spend your money on? We can help. Go to EssayBasics.com to learn more about our essay writing services . We can help you express yourself by pairing you with a writer who has some experience in your chosen topic.

How I Spend My Money essay

One of the most exciting events in a young one’s life is when their parents give them an allowance. No matter the amount, an allowance gives us the opportunity to spend on small things that make us happy as a child.

The joy that an allowance brings is more than just the amount itself. It’s really rooted in the experience one gets in choosing how to spend it. First, there’s the anticipation of receiving an allowance. Next, there’s the excitement of thinking about all the things you’ve been wanting to get for yourself. Third, there’s the delight of actually receiving the allowance. Finally, there’s the sheer thrill of choosing what to buy and taking it home.

How and when an allowance is given, and how much is gifted to the child, depends on the guardians’ principles. There are those who provide an allowance for children to buy basic needs. But there are some who might give a little extra to give the child an opportunity to learn how to handle money well.

It must be said that not all children are privileged to have an allowance to spend on themselves. If they come from a poor family, the guardians may not have any extra finances to give. They may save up for this just once in a while.

I am very blessed that my parents gave me an allowance on a regular basis. My allowance has really taught me financial stewardship at a very young age. They also allowed me to make decisions regarding my finances, even if I made mistakes.

Saving Money at a Young Age

While my allowance isn’t a fixed amount, I have since learned that the first thing I should do is set aside a portion of it for savings. I get a third of whatever amount I get and earmark it for saving.

To make sure that I won’t be tempted to use it, my mom helped me open a bank account where I deposit the money. They opened a time deposit account, which means I cannot just withdraw from it anytime. Whenever I hesitated to go to the bank, my dad would remind me that my small deposits would turn into one big bulk of cash that could someday be used for a rainy day, or for strategic investments.

How I Spend Money with Whatever is Left

With what’s left of my allowance, I usually buy books. These are mainly documentary magazines, which I read during my leisure time. It is actually one of my hobbies. I have made it a personal tradition to always purchase a documentary magazine each time I get my regular allowance. I particularly enjoy news magazines and feature magazines. I am a lover of general knowledge. I love knowing about everything, how and why things are the way they are – whether about nature, politics, science, or geography. It is always a first on my list of hobbies.

The other bit of my regular allowance goes towards the purchase of snacks. I love yogurt and ice cream. The refrigerator at home always has a shelf specifically reserved for my yogurts.

The remainder of my allowance goes towards others. These include my family and friends. I try to buy them something nice as a way of thanking them for taking good care of me.

I also go out of the way to purchase some gifts for my siblings as well as my parents. I want to gift them with simple things, even if they were the ones who gave me my allowance. Doing this for them gives me so much satisfaction since I love making them happy. After all, what is life without happy family and friends?

Regular allowances taught me how to make wise spending decisions. I know how to handle and spend my cash, whatever amount it might be. Therefore, I am confident that when I start handling larger amounts of money in the future, I won’t be as overwhelmed. I will make it a point to remember the financial lessons I’ve learned as a child. I hope to also be able to teach others who to use their money wisely.

Short Essay About What You Would Spend Your Money On

Did you grow up being taught about the value of saving money? If you were like me, your mom and dad probably gave you a regular allowance. They also probably gave you free rein to use your money in whatever way.

Growing up, I deposited regular amounts into my savings account the moment my allowance was handed to me. I did not want to be tempted to splurge on all the food I was craving for while holding all of my money. Personally, apart from fast food, I enjoyed treating myself to books. In fact, I made it a regular tradition to purchase a book every time I got my allowance.

I remember being taught how to make a personal budget out of my allowance. Exactly how much money was given to me didn’t matter as much as the main principle they passed on: save money. They didn’t care if I used the rest of my allowance on junk food or other types of impulse buying. All that mattered to them was whether or not I set aside a portion to put in a savings account. And so I did.

How To Write An Essay About Money

There are so many ways to write a piece about finances. It depends on the lens you are viewing the topic from. Are you an adult looking back at your childhood and remembering important lessons learned? Are you a financial expert looking to give some advice on how to maximize your cash? Are you a student wanting to teach people how to set aside an amount in case of an emergency? Are you a parent who discovered creative hacks in your finances to make ends meet? Find your angle and work it.

How To Spend Money Wisely As A Teenager

When you are young and still living under your guardians’ roof, thinking about contingencies or other things you may be needing to buy before your next allowance comes may not come naturally to you. It is so important to learn how to handle your personal finances even at that age because that sets the direction of your spending in the future. When you start getting a monthly income, the weight of the responsibility is even greater as you start to live independently. Even as a teenager, learn to set financial goals and think of the long game. Even if you have to put money inside a piggy bank to avoid temptation, do so. Track your expenses and make adjustments according to your level of contentment. Learn the art of investing from an expert. Finally, don’t shop ’till you drop. It’s a trap.

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Essay on Saving Money

Students are often asked to write an essay on Saving Money in their schools and colleges. And if you’re also looking for the same, we have created 100-word, 250-word, and 500-word essays on the topic.

Let’s take a look…

100 Words Essay on Saving Money

Understanding the importance of saving.

Saving money is a crucial habit everyone should develop. It helps us prepare for unforeseen events, achieve financial goals, and secure our future.

Ways to Save Money

There are many ways to save money. You can start by setting a budget, cutting down on unnecessary expenses, and putting aside a portion of your income regularly.

Benefits of Saving Money

Saving money offers several benefits. It provides financial security, enables us to make big purchases, and contributes to a stress-free life.

In conclusion, saving money is a wise and beneficial practice. It leads to financial independence and a comfortable life.

Also check:

Paragraph on Saving Money

250 Words Essay on Saving Money

The importance of saving money.

Saving money is a vital life skill, especially for college students who are just beginning to navigate the financial world. Understanding the importance of saving and implementing it in daily life can pave the way for financial security and independence.

Why Save Money?

The primary reason to save money is to achieve financial security. Unpredictable life events, such as job loss, medical emergencies, or unexpected expenses, can create financial stress. Having a safety net in the form of savings can mitigate these risks. Moreover, savings can fund life goals like education, homeownership, or starting a business.

Strategies for Saving Money

Creating a budget is the first step towards saving. It helps to track income and expenses, revealing potential areas for cost-cutting. Next, establishing an emergency fund can provide a financial buffer against unforeseen circumstances. Investing is another powerful tool for saving. It allows money to grow over time, leveraging the power of compounding.

The Role of Discipline and Consistency

Saving money requires discipline and consistency. It’s important to regularly contribute to savings, even if the amounts are small. Over time, these small amounts can accumulate into significant savings. It’s also crucial to resist the temptation of unnecessary spending and to prioritize long-term financial goals.

In conclusion, saving money is an essential skill that can lead to financial security and the ability to achieve life goals. By budgeting, creating an emergency fund, investing, and practicing discipline and consistency, college students can lay a solid foundation for their financial future.

500 Words Essay on Saving Money

Introduction.

Money, the lifeblood of modern society, is a central aspect of our lives. Its management, particularly the act of saving, is a crucial skill to master. Saving money is not just about accumulating wealth; it’s a strategic practice that promotes financial security, fosters discipline, and cultivates a sense of responsibility.

The importance of saving money cannot be overstated. It provides a safety net during unexpected circumstances like medical emergencies, job loss, or sudden large expenses. In addition, it can help fund significant life events such as higher education, buying a house, or retirement.

Moreover, saving money can lead to financial freedom. It allows us to make investments that can generate passive income, ultimately leading to a more comfortable and secure future. It’s not just about having money; it’s about the freedom and peace of mind that come with it.

There are several strategies for saving money. The first step is to create a budget. This involves tracking income and expenses, setting financial goals, and allocating a certain portion of income towards savings. It’s advisable to follow the 50/30/20 rule, where 50% of income goes to needs, 30% to wants, and 20% to savings.

Another strategy is automating savings. By setting up automatic transfers to savings accounts, we can save money without even thinking about it. This not only ensures regular saving but also reduces the temptation to spend.

Investing is another powerful way to save. By investing in stocks, bonds, or real estate, we can grow our wealth over time. However, investing requires careful planning and understanding of the market.

The Psychological Aspect of Saving Money

Saving money is not just a financial act; it’s a psychological one. It requires discipline, patience, and the ability to delay gratification. It’s about making conscious decisions to forego immediate pleasures for long-term benefits.

The act of saving also fosters a sense of responsibility. It makes us more aware of our spending habits and encourages us to make smarter financial decisions. Moreover, it can boost our confidence and self-esteem, knowing that we are taking control of our financial future.

In conclusion, saving money is a vital skill that everyone should cultivate. It’s not just about accumulating wealth; it’s about ensuring financial security, gaining financial freedom, and fostering personal growth. By adopting effective saving strategies and understanding the psychological aspects of saving, we can make informed decisions that will benefit us in the long run. Remember, every penny saved is a step towards a more secure and prosperous future.

That’s it! I hope the essay helped you.

If you’re looking for more, here are essays on other interesting topics:

Essay on Pocket Money
Essay on Money Is the Root of All Evil
Essay on Money is Not Everything

Apart from these, you can look at all the essays by clicking here .

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All Articles

Spending Money Wisely

Author: Financial Success | Image: Financial Success

Figure out your budget

Making a budget can seem like a time-consuming thing to do, but it is one of the most important steps in order to ensure that you are financially organized. Creating a budget is going to allow you to track your spending, so you know exactly what you are spending your money on, and from there, you are going to be able to become more successful when it comes to achieving your financial goals. The 3 keys to creating a successful budget are tracking your spending, paying off major bills first, and then creating a spending plan.

There are many easy ways to start creating your budget, including

An Excel Spreadsheet
CashCourse Budget Wizard
Mint: Personal Finance & Money (In the App Store)
Template on the Office of Student Financial Success website

What creating a budget is going to do is help you see if you are overspending (spending>income) or if you are underspending (spending<income). If you figure out that you are overspending, then you need to decide to either reduce your spending or find an additional source of income to ensure that you are not going over budget.

Decide what is a need and what is a want

Deciding between a need and a want is an extremely important task when it comes to saving money, especially as a college student where the money is often limited. It can be very hard to decide between the two, especially when something like the new iPhone comes out or one of your friends asks you to go out to eat. However, figuring out what is a need or a want is the key to spending money wisely and sticking to your budget.

What are examples of Needs?

Housing, Mortgage Payments, and Utilities
Loan Payments
University Fees
Transportation
Food (Groceries)

What are examples of Wants?

Sources of Entertainment
Memberships
Brand New Clothes
Dining Out/Drinking at the bars
New Electronics

The needs and wants may differ between people depending on certain aspects of their life. While cutting out wants is important to maintaining a successful budget, it does not mean that you should cut out all the wants completely. One thing that is recommended when it comes to keeping track of needs and wants is to use the 50/30/20 rule. This means that 50% of your income should be devoted to paying for needs, 30% of your income can go to buying your wants, and the last 20% should be added to your savings.

Plug the leaks in your spending

Small spendings can add up and end up having a huge impact on the success of your budget and can often lead to you thinking, “where did all of my money go.” Stopping these leaks in your spending will ensure that you meet the goals that you set in your budget and that you are spending your money wisely.

Some of the ways to plug these spending leaks include

Carry around a reusable water bottle to cut out needless spending on things to drink
When going shopping, make a list and stick to it—no impulse buying.
Carry cash instead of credit cards to ensure that you are only spending what you can afford
Get rid of subscriptions that you don’t use anymore or are just unnecessary.
Pack snacks from home to avoid higher prices at vending machines or gas stations
Use subscriptions to streaming services such as Netflix or Hulu instead of paying for cable.

Limiting the amount of impulse buying and needless spending is going to help you stick to your budget and meet your goals. It will also allow you to have a better understanding of where your money is going and not leave you with that “where did all that money go” feeling. From plugging these leaks, you are going to end up spending less money and be able to save more.

Financial Wellness

Oct 8, 2019

IELTS WRITING TASK 2 ESSAY - OPINION - MONEY SAVE OR SPEND

Updated: Jun 17, 2020

You should spend about 40 minutes on this task.

Some people think saving money is good, but others think that spending

money is a better way to enjoy life.

Discuss both views and give your own opinion.

Give reasons for your answer and include any relevant examples from your own knowledge or experience.

Write at least 250 words.

SAMPLE ANSWER: Number of words: Student: Paola from Peru Band Score: 7.5

We are currently living in an experience economy. Moreover, we are leaning towards consumerism believing that material things will bring happiness. However, we are not paying attention to the future nor having a retirement plan. Although I believe that we should enjoy the present to the fullest spending on experiences, in my opinion, it is also crucial to have a savings or investment plan in place.

There is no doubt that money plays an important role in our lives. The more income you have, the more comfortable life can be. For instance, I have been lucky enough to travel the world and create experiences that will last forever. Moreover, we cannot predict the future and cannot ensure we will live a long life. Therefore, some may argue that we should enjoy every minute while we are alive, going out with friends, dining at the best restaurants, and pampering yourself every now and then.

Are we expecting to become a burden for our families and or the government? This is the main reason why I believe it is extremely important to have investments or a source of income when we retire. Additionally, it will reduce the stress of unforeseen situations such as dealing with an expensive treatment for a health issue or having to help a family member who may need economic support. For instance, five years ago, I used to focus on the present instead of saving for the future. Nowadays, it makes me really worried about the fact I have not invested in property yet which makes me feel quite anxious.

In conclusion, we as individuals must live a more balanced life enjoying the present but also contemplating and planning for the future.

BACK TO MONEY TOPIC

IELTS WRITING

Essay On Saving Money For Students

In this essay, we will discuss the importance of saving money and some useful tips to save money efficiently.

Essay About Saving Money

Introduction:

Money is an essential commodity that is required for daily survival. It helps to fulfill our basic needs and wants, but we cannot deny the fact that managing money can be quite challenging. Many people struggle to save money and end up spending more than they earn. Saving money is an important habit that should be cultivated from a young age. In this essay, we will discuss the importance of saving money and some useful tips to save money efficiently.

Importance of Saving Money:

Saving money is important for several reasons. Firstly, it helps to create a financial safety net. It ensures that we have money in case of emergencies like medical emergencies, unexpected home repairs, or job loss. Secondly, saving money can help us achieve our long-term goals like buying a house, car, or going on a vacation. It is essential to have a savings plan in place to accomplish these goals. Lastly, saving money can provide financial stability and reduce financial stress.

Useful Tips to Save Money:

Here are some useful tips that can help you save money:

Create a budget: Creating a budget is the first step towards saving money. A budget helps you track your income and expenses, and it enables you to identify areas where you can cut down your expenses.
Set a savings goal: Setting a savings goal helps you stay motivated and focused. It can be a short-term goal like saving for a vacation or a long-term goal like saving for retirement.
Avoid unnecessary expenses: Avoiding unnecessary expenses is crucial when it comes to saving money. Evaluate your expenses regularly and eliminate anything that is not necessary.
Shop smartly: Shopping smartly is an excellent way to save money. Look for deals, use coupons, and compare prices before making a purchase.
Save automatically: Saving automatically is an excellent way to ensure that you save money consistently. You can set up automatic transfers from your checking account to your savings account.

Conclusion:

Saving money is not an easy task, but it is crucial for financial stability and achieving long-term goals. By following the tips mentioned above and cultivating good financial habits, you can save money efficiently. Remember, it’s never too late to start saving, so start today and secure your financial future.

Hello! Welcome to my Blog StudyParagraphs.co. My name is Angelina. I am a college professor. I love reading writing for kids students. This blog is full with valuable knowledge for all class students. Thank you for reading my articles.

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Financial Education: Saving Money vs. Spending Money

There’s never a bad time to start saving money. Yet, saving money isn’t as easy as just putting a stop to all your spending. It’s important to strike a healthy balance between saving and spending. Continue reading this blog to find the right balance between spending and saving money that fits your lifestyle and needs.

Most people are aware that saving money is an important goal. There are plenty of reasons for saving your money, including for pursing bigger goals like buying a car or home as well as simply having an emergency fund for unexpected and costly occurrences.

Yet, saving money isn’t as simple as the reasons for why we should. Depending on your financial situation, saving money can seem impossible. You’re not alone — 70% of Americans have less than $1,000 saved up . That’s less than the cost of a major healthcare procedure or car repair. If you’re hoping to get your savings in shape, breaking down the nuanced differences between spending and saving is the first step.

Why Save Money At All?

If you’re not entirely convinced about why you should stash your money away instead of spending it, consider these important and often overlooked reasons for saving. When you save your money diligently, you’ll get:

More peace of mind knowing that you can afford unexpected emergencies.
Increased discipline that helps you pursue long term goals instead of short term pleasure.
More freedom to make major life changes, like quitting your job, moving to a new city, or getting married and having children.
More money!

There are plenty of reasons that make saving your money worthwhile and not all of them are immediately financial, but instead offer personal success through building your discipline and financial savvy.

Spending and Saving Mean Different Things to Different People

The important quality to understand when to save and when to spend is relativity — what’s expensive and wasteful for one person might not be for another person. For some people, spending the extra money to have their groceries delivered allows them to take that time and make more money than they spend on the delivery. Yet, for another person, that delivery will cost them more than they would normally earn in the time it would take for them to do their grocery shopping. In this example, spending is saving for person A, while spending is not saving for person B.

When it comes to deciding the right course of financial action for you, it’s crucial to calculate the cost and benefits based on your own unique situation. Create a framework for judging your financial actions where you easily deduce whether spending or saving will amount to a financially sound decision based on your needs and lifestyle.

When to Spend

Spending money seems like the easiest action, so why bother thinking about when to spend? Being conscious of the way you spend your money and when is a vital step towards financial literacy.

Saving and spending simply isn’t as easy as always saving or never spending. There are plenty of reasons that justify spending money; a car repair, a doctor’s visit, even a gym membership. In some cases, spending can be seen not just as a loss of money, but as an investment. When you spend money to protect and improve your health, this is money well spent that ultimately pays off in the long run.

For example: neglecting to perform a repair on your car now can save you money in the short term, but if that mechanical issue worsens in the meantime, you’ll end up spending even more on a major repair later on. In this case, spending money would save you more money in the long run.

Getting Serious about Spending vs. Saving

We all want more money in our lives, but the way each person goes about improving their financial situation will differ based on their lifestyle and needs. At the Community Currency Exchange Association , we know that every individual approaches money differently and needs the flexibility to handle their finances in the way that best serves them. Whether you need money services like check cashing or payment services like money transfers, we aim to make your financial life easier. Find a Currency Exchange location near you to get ahead on achieving your financial goals.

Financial Education Saving Money vs. Spending Money

With over 350 locations, many open nights, weekends, and holidays (and several stores with 24/7 availability), you can rest easy knowing your financial needs can be taken care of when you need them most. We’re in the heart of every community. Don’t believe us? See for yourself.

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Essays on Spending Money

5 samples on this topic

To some college goers, crafting Spending Money papers comes easy; others need the help of various types. The WowEssays.com collection includes professionally crafted sample essays on Spending Money and related issues. Most definitely, among all those Spending Money essay examples, you will find a piece that get in line with what you see as a decent paper. You can be sure that literally every Spending Money work presented here can be used as a glowing example to follow in terms of overall structure and composing different parts of a paper – introduction, main body, or conclusion.

If, however, you have a hard time coming up with a good Spending Money essay or don't have even a minute of extra time to browse our sample collection, our free essay writer company can still be of great help to you. The matter is, our writers can craft a model Spending Money paper to your individual needs and particular requirements within the defined interval. Buy college essays today!

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Man handing out ten dollar Australian note

Trying to save money? Our research suggests paying in cash – while you still can

PhD Researcher in Marketing, University of Adelaide

Senior Lecturer in Marketing, The University of Melbourne

Professor of Marketing, University of Adelaide

Disclosure statement

The authors do not work for, consult, own shares in or receive funding from any company or organisation that would benefit from this article, and have disclosed no relevant affiliations beyond their academic appointment.

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Cash is in crisis. In Australia, it’s now only used for 16% of in-person transactions, down from about 70% in 2007.

The situation is so dire that on Monday, independent federal MP Andrew Gee introduced a private member’s bill that would force businesses to accept cash or else face big fines.

The reality is that over the past decade, technological advancements have utterly transformed the way we pay for goods and services.

Phones and smartwatches can now easily be used to pay by card, and buy-now-pay-later schemes and cryptocurrency payments offer further alternatives.

The shift away from cash only accelerated throughout the COVID pandemic, as health experts recommended avoiding using it for hygiene reasons.

Despite these big changes in how we spend money, Australians have perhaps been more focused on how much amid a stubborn cost-of-living crisis.

In light of this, our research team wanted to investigate how our choice of payment method can interact with our actual spending habits.

Our latest research offers a simple solution for anyone looking to save money — carry more cash!

Read more: Money transporter Armaguard is in peril. Could cash be dead sooner than we think?

We pay less when we pay cash

Drawing on both academic and industry sources, our research team combined the results from more than four decades of prior research on spending behaviour and payment methods into a large dataset.

This data spanned 71 research papers, 17 countries, and more than 11,000 participants. State-of-the-art meta-analysis techniques then allowed us to collectively analyse the results from all these prior studies, and re-examine their insights.

We found that cashless payments were indeed associated with higher levels of consumer spending compared to cash transactions, something that is referred to in the literature as the “cashless effect”.

This cashless effect was consistent across all other payment methods in the data set.

Put simply, it doesn’t matter whether you use a credit card, debit card or a buy-now-pay-later service – you are likely to spend more money using cashless methods than when you pay with cash.

The pain of paying

Under the traditional economic view that consumers behave rationally, there should be no differences in spending behaviour between different payment methods – money is money after all.

But the existence of the cashless effect shows that the payment methods we use do indeed influence our spending behaviour.

The leading theory to explain this effect attributes it to differences in the “pain of paying”, a concept first coined in 1996 that describes the emotions we feel when spending money.

Importantly, our choice of payment method can influence the level of pain felt.

Woman's hands open wallet showing two $20 notes

When paying with cash, we have to physically count out notes and coins and hand them over. Humans seek to avoid losses, and paying by cash sees us physically lose a tangible object.

Conversely, nothing has to be handed over to pay cashlessly. We don’t lose anything tangible with a swipe or a tap, so it feels less painful.

Preliminary neurological evidence suggests that the “pain of paying” isn’t just an abstract metaphor, and we may feel actual psychological pain with each transaction we make.

Research employing functional magnetic resonance imaging (fMRI) scans to observe brain activity in consumers has shown that paying activates brain regions related to experiencing psychological discomfort.

Mother and a young child drive dodgem car together in theme-park

Picture this: You’re at a theme park, excited for a fun day. You use your smartwatch to pay for snacks, souvenirs and rides. It’s all so convenient that you don’t realise how much you’re spending until you check your account later and see that you have completely blown your budget!

This is the cashless effect in action − if nothing is physically handed over, it’s easy to lose track of how much is spent.

A great tool for budgeting – while it lasts

The cost of living crisis has made spending control front-of-mind for many people. Our meta-analysis suggests that returning to “cold hard cash” whenever possible could be one valuable tool to help.

The increased friction felt when using cash could help people better control their money, even just by providing a moment to pause and consider whether a transaction is necessary.

This could help individuals make more mindful decisions, saving money while they can in an increasingly cashless world.

Cost of living
cashless society
Payment systems
Cost of living crisis

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It is Better to Save Money Than to Spend It- IELTS Writing Task 2

Updated On Dec 09, 2021

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It is Better to Save Money Than to Spend It- IELTS Writing Task 2

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It is better to save money than to spend it. How far do you agree with this statement? Is saving more important than spending in today’s world?

Direct Question Essay

Introduction

Sentences 1&2 – Paraphrase the topic with the use of synonyms. Create a base understanding for the reader, something to expand on in the essay.

Sentence 3 – State that the essay will understand how saving is necessary, but not the final step.

Body Paragraphs

Paragraph 1 – Elucidate how saving is important, and how it impacts a person’s life. Quickly mention the next step, that is investing, and how investing often triumphs saving as a practice.

Paragraph 2 – Explain the difficulty in knowing which is better than the other, so talk about what happens when people start saving more, and then show a glimpse of what happens when carefree spending takes place.

Summarize the essay and restate your views.

Sample Essay

It is often preached that saving your money is much better than spending it. There are indications that partly agree with the sentence while adding onto the points cognate to it. This essay will focus on these two pointers.

Practicing financial discipline is a must if someone wants a carefree future. Saving is the initial step to financial discipline, but not the last one. Here, the 70-30 rule is often applied, which instructs one to save seventy to spend thirty out of the possible hundred bucks earned. Out of the seventy you keep, an individual must invest about fifty in order to grow substantial wealth. People feel that saving is necessary, but investing your money in mutual funds and equity is more important as it prepares you for the future. Nonetheless, saving is seen as the first step to investing. Hence one cannot deny its importance.

Saving and spending have their own perks and disadvantages, and one cannot be determined as better than the other. For instance, if people start saving more and more and curb their expenditure, the government will face a cash flow shortage, which will result in an upheaval of its citizens. On the other hand, careless spending can result in bankruptcy and debt.

So, there needs to be a delicate balance between saving and spending and a sense as to what to do when. It usually comes with experience, but one can educate himself in this scenario. Hence, one cannot ascertain which is better, but one can undoubtedly practice both spending and saving judiciously.

Meaning – earnestly advocate. Example – Many industrial leaders preach that persistence, dedication, and hardwork are the keys to success.

Meaning – related; connected. Example – The concept of heat and radiation is cognated to physics.

Meaning – free from anxiety or responsibility. Example – Ramesh lives a carefree life and travels around the world.

Substantial

Meaning – of considerable importance, size, or worth. Example – He inherited substantial wealth from his father.

Meaning – the value of the shares issued by a company; ownership. Example – Investing in equity gives dividends in the long run.

Meaning – stop; cease. Example – Since his diabetes was known, Ronnie has curbed his sugar intake completely.

Expenditure

Meaning – the action of spending funds. Example – Rajiv has increased his expenditure to renovate his home.

Meaning – a violent or sudden change or disruption to something. Example – There is a state of political upheaval in some states.

Meaning – a legal proceeding involving a person or business that is unable to repay their outstanding debts. Example – His company, unable to pay money to its lenders, is heading towards bankruptcy.

Ascertain

Meaning – find (something) out for certain; make sure of. Example – Many people tried to ascertain the appropriate route to the summit of Mt. Everest before it was climbed.

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Janice Thompson

Soon after graduating with a Master’s in Literature from Southern Arkansas University, she joined an institute as an English language trainer. She has had innumerous student interactions and has produced a couple of research papers on English language teaching. She soon found that non-native speakers struggled to meet the English language requirements set by foreign universities. It was when she decided to jump ship into IELTS training. From then on, she has been mentoring IELTS aspirants. She joined IELTSMaterial about a year ago, and her contributions have been exceptional. Her essay ideas and vocabulary have taken many students to a band 9.

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Essay 197 – Advantages and disadvantage of spending money on space exploration

Gt writing task 2 / essay sample # 197.

You should spend about 40 minutes on this task.

Write about the following topic:

Space exploration costs taxpayers an exorbitant amount of money each year. What are the advantages and disadvantage of spending money on space exploration?

Give reasons for your answer and include any relevant examples from your own knowledge or experience.

Write at least 250 words.

Model Answer:

A substantial amount of money is spent on exploring space annually. This essay will highlight some of the advantages and disadvantages of space exploration, and then come up with a reasoned conclusion.

Space exploration can reap many benefits to humankind. First of all, it enables us to address potential hazards before they strike. The universe is a huge place where hidden dangers lurk almost anywhere. A very good example here is asteroids or comets. In the solar system, there are comet and asteroid threats that could obliterate our planet. Exploring space offers us an opportunity to identify these potential dangers in advance to avert apocalyptic catastrophe. Second, many groundbreaking innovations are developed through space programme research. The inventions are LED lighting, anti-icing systems, ear thermometers, and even temper foam, to mention but a few examples. Besides, space exploration could provide mankind with an opportunity to search for a new habitable place for the human race outside of our globe and find other intelligent species who might be searching for a way to contact us. This would essentially answer some of our century-old questions.

Exploring space, however, has its drawbacks which should not be ignored. One of the major disadvantages is that funding space programmes is a huge cost. Evidently, an exorbitant amount of money is spent on space exploration every year, yet simultaneously our earth suffers from the vital humanitarian crisis that could be solved by budgeting generous money. For example, in order to ensure basic education for all in developing countries, we need only 6 billion dollars, whereas the U.S alone spent 18.7 billion dollars on space exploration last year. Another obvious drawback of it is the damage to the environment because of the huge consumption of fossil fuels. A case in point is the first Apollo mission. It consumed over 500,000 gallons of fuel only to get out of the atmosphere. Thus, exploring space causes environmental damages.

To reiterate, space exploration confers both advantage and disadvantage. It is expected that we will budget the space exploration programmes prudently while also addressing more imminent issues that we have on earth.

2 Comments to “Essay 197 – Advantages and disadvantage of spending money on space exploration”

I need advantages and disadvantages.

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Speechwriter set to be paid $600k over two years to assist Bill Shorten, despite department initially saying it had capacity to help

A speechwriter will be paid hundreds of thousands of dollars over two years to assist government minister Bill Shorten, despite Services Australia saying it initially had the capacity to provide help.

Services Australia confirmed Julianne Stewart secured a government contract worth about $300,000 a year that is set to run for two years.

Ms Stewart's LinkedIn profile states her role is to provide "contract speechwriting services to Services Australia and the Hon Bill Shorten" who is the minister for the National Disability Insurance Scheme and the government services minister.

Her salary is significantly higher than what most senior speechwriters in the department earn, which is about $140,000 a year.

Services Australia deputy chief executive officer Susie Smith was questioned by Liberal senator Maria Kovacic about why an additional person had to be hired.

"Do you have the capability within that team to deliver?" Ms Kovacic asked.

"We do have the capability, I think it comes down to a question of choice … we have speechwriters as part of our communications capability, yes," Ms Smith said.

A woman sits alone on the senate benches.

There are 201 media and communication staff members currently employed by Services Australia, two of whom are speechwriters. Services Australia officials confirmed its staff had not written any speeches for Mr Shorten in the past 12 months.

The office of Mr Shorten referred the ABC's questions to the department.

Value for money questioned

Liberal senator Linda Reynolds used Senate estimates to question why Mr Shorten's office hired additional staff, but the department couldn't provide answers.

"Do you know why this extra $600,000 contract was needed to supplement his own staff?" Senator Reynolds asked.

"No I can't answer that," Ms Smith said.

Ms Smith could not confirm if the contract was proposed by Mr Shorten's office or Services Australia, but clarified that Ms Stewart had been tasked to write speeches for Mr Shorten across his different portfolios. She also commutes between Sydney and Canberra for the role.

Senator Reynolds pushed the department on whether it was appropriate to spend money on hiring an additional speechwriter.

"When Services Australia who is paying for this contract is keeping people waiting increasingly longer for crisis payments, for aged care payments, do you think this use of taxpayer's money for an extra speechwriter … do you think that is appropriate, did you push back on this contract?" she asked Ms Smith.

"I think you are asking me for a matter of opinion and I don't have an opinion about this," Ms Smith said.

Close up portrait of blond shorthaired woman with glasses

Ms Stewart's LinkedIn profile paints a picture of a highly qualified speechwriter who has provided assistance to four prime ministers, including Kevin Rudd, Julia Gillard, Tony Abbott and Malcolm Turnbull.

She also assisted Alan Joyce when he was the CEO of Qantas and was the principal speechwriter to the vice-chancellor of the University of New South Wales.

Before entering the corporate world and politics, Ms Stewart wrote scripts for Australian drama shows such as Sons and Daughters and A Country Practice.

"I think Australians would love to know why you are spending this much money when it could be far better used in additional staff to process people's claims," Senator Reynolds said.

Clarification provided by Services Australia

Despite Ms Smith not being able to initially provide detail around the hiring of Ms Stewart, she later provided further information about how the contract came about.

The AusTender contract stated the value over two years was $620,499. Ms Smith said 20 months into the contract $447, 516 had been paid, which also covered superannuation, sick and holiday leave. Travel costs would be an additional cost.

However, a spokesman for Services Australia later told the ABC that figure did not include super or leave entitlements.

Ms Smith said the department had not been able to find a suitable speechwriter. As a result, the department looked to hire someone at market rate, which is higher than what is offered to public servants at around $140,000.

Ms Smith described the decision to hire Ms Smith as a "direct source contract" but wouldn't say who made that final decision.

"Speechwriting, as you will appreciate, is a specialised skill set, and accomplished and available speechwriters remain difficult to source," she said.

Ms Smith clarified her earlier evidence that while the department now has speechwriters as part of their communication team, there were none at the time of hiring of Ms Stewart, who is also tasked with training staff within the department on speechwriting.

Backlog of claims

The estimates committee also received an update on long waits within Services Australia.

Earlier this year there were 1.35 million social security and health claims that had not been processed.

The backlog has since reduced to 607,000. The department said that was mainly due to the hiring of an additional 5,000 staff.

People calling Services Australia are still waiting about 25 minutes to speak to someone on the phone, but the wait time is slightly lower than the average 33 minutes in February.

However, there are still a number of people that are receiving an automated message before the call ends.

Services Australia said it was hanging up on fewer people declaring its use of "congestion messaging" had halved since January.

In May, there were nearly 125,000 calls that went unanswered in one week.

On average it is currently taking 83 days to process an age pension.

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