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

　　如今，隨著新的消費(fèi)方式的出現(xiàn)，比如信用卡消費(fèi)，各種財(cái)務(wù)計(jì)劃和銀行或其他機(jī)構(gòu)貸款，越來越多的人主張?zhí)崆跋�費(fèi)。然而，我覺得存錢是個好習(xí)慣，我們應(yīng)該一直保持這樣的習(xí)慣。

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

　　有一句老話是這樣說的“省錢就是賺錢”。無論在什么情況下，為意料之外的緊急情況做一些準(zhǔn)備是很有必要也是很有用的。在現(xiàn)代，隨時(shí)隨地存一些錢來應(yīng)對多變的情況是很有必要的。更重要的是，存錢不僅是一個好習(xí)慣也是人的一生中不可或缺一堂課。我們需要學(xué)習(xí)的不僅僅是賺錢，也要學(xué)會正確管理自己的錢而不是無節(jié)制的花錢。存錢應(yīng)該是我們的財(cái)務(wù)計(jì)劃的一部分，我們應(yīng)該成為掌控金錢而不是讓金錢掌控我們。

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

　　因此，存錢是個好習(xí)慣，但我不主張一分錢都不花，成為一個小氣的人。我只是想說我們應(yīng)該養(yǎng)成存錢的習(xí)慣并按照計(jì)劃花錢。