托福寫作范文：存錢還是花錢？

　　題目

　　Is it better to enjoy your money when you earn itoris it better to save your money for some time in the future? Use specific reasons and examples to support your opinion.

　　范文

　　The Advantages of Saving Money

　　Everyone must work to live， but many people are fortunate enough to make more money than they immediately need. What should they do with this extra income? While it is tempting for people to spend it all on things they desire， I believe it is better to save at least a portion of the extra income for the future.

　　By saving money， people give themselves more security. They cannot predict the future; perhaps one day they will be jobless. At a time like this their savings can spare them a great deal of suffering and help to see them through the hard time. In addition， saving money allows people to build up a larger sum. They can then buy something more worthwhile than the small things they can but if they spend the money right away. For example， they may be able to buy a house with their savings. Finally， the practice of saving helps people develop the habit of setting goals and planning for their future. In this way they are bound to lead more meaningful and successful lives.

　　Most people would like to enjoy their money immediately. Nobody likes to wait for the things that he wants. However， if we learn to save our money， we can gain more advantages in the future. We will lead more secure and， thus， happier lives. We will also be able to buy the things we truly want but cannot afford right now.

　　參考譯文

　　存錢的好處

　　每個人都必須工作以求生存，但是有許多人很幸運，能夠賺得比他們立即需要的還要多的錢。他們應該如何處理這些額外的收入呢?盡管把錢全花在自己想買的東西上是很誘人的，但我認為最好至少把一部分的額外收入存起來，以備將來之需。

　　通過存錢，人們能獲得的安全感。未來是無法預測的，或許有一天我們會失業。碰到像這樣的情況，存款可以讓我們免去許多痛苦，幫助我們渡過難關。此外，存錢可以使人積累較多的錢，可以用于買更有價值的東西，比馬上把錢花掉所能買到的東西更有用。例如，我們可以用存款買房子。最后，存錢能幫助我們培養設定目標及為未來作計劃的習慣。如此一來，我們一定會過著更有意義并且更成功的生活。

　　大部分的人會想要馬上享用手邊的錢。沒有人想等到以后再買想要的東西。然而，如果我們學會存錢，未來可以獲得的好處。我們將過著更有安全感而且更快樂的生活。我們也能購買我們真正想要但現在無法負擔的東西。

　　注釋

　　immediately adv.立刻extra adj.額外的

　　do with處理predict v.預測

　　savings n. 存款spare v.免除

　　see through幫助度過in addition此外