Topic(题目)：

　　Is it better to enjoy your money when you earnit or is it better to save your money for sometime in the future? Use specific reasons andexamples to support your opinion.

　　Model Essay(范文)：

　　"Save it for rainy day." That's my motto. When Ihave a choice between spending my money orputting it in my savings account at the bank, Ialways 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 tocover some of these costs, but I know I will be responsible for a lot of the expenses. If I spendmy money now, I won't be able to pay for my education. I need to save money for myeducation.

　　Travel is also very expensive. I don't mean vacation travel. I mean travel to get to and fromschool. Transpacific airfare costs a lot even special reduced fares. I first have to get to schooland then, of course, I want to return to my family for important festivals and occasions. Goingback 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 amat school. There might be costs that won't covered by the school insurance. One of my familymembers may need help, I will have to send them money. You can't predict emergencies likethis, 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. Iknow in my life, I will have expenses for my schooling and for travelling to and from my home. I know that I will also have unexpected expenses related to unforeseen emergencies. I mustbe prepared. I need to save money for these events.

　　重点单词 全部解释

　　carelessly['kɛəlisli]adv. 粗心大意地，疏忽地

　　related[ri'leitid]adj. 相关的，有亲属关系的

　　motto['mɔtəu]n. 座右铭，箴言

　　costly['kɔstli]adj. 昂贵的，代价高的

　　specific[spi'sifik]adj. 特殊的，明确的，具有特效的

　　n. 特

　　insurance[in'ʃuərəns]n. 保险，保险费，安全措施

　　unexpected['ʌnik'spektid]adj. 想不到的，意外的

　　predict[pri'dikt]v. 预知，预言，预报，预测

　　incidental[.insi'dentl]adj. 附带的，偶然的，容易发生的