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Writing Samples
Band 8.5

some people think the money they earn should be enjoyed by spending it now,while others thinks that their earnings should be saved for future.discuss both views and give your opinion.

Money
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 is a pivotal resource for sustaining a decent
life
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. There are contrasting views on spending or saving it which will be elaborated on in
this
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 essay.
However
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, I opined that we should strike a balance between spending and saving the most significant asset. Considering the former proposition of the statement, I agree that it is easier to disburse the earned
money
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 on various things in
life
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. It is undeniable that to enjoy different experiences in
life
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, we need to spend
money
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.
For example
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 , one can travel to multiple places around the world to gain experiences of many cultures. We can
also
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 have a better standard of living by spending
money
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. To illustrate, it is refutable that you can get improved education and health facilities if you invest your capital in a good school and reliable health insurance respectively.
Hence
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, in order to enjoy different pleasures of
life
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 and live a good quality
life
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, you should shell out your income.
Conversely
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, looking at the latter clause of the argument, people should not only keep wasting their funds.
This
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 means that a person should
also
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 think towards a secure future , for that we have to save our income at a young
age
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. There are many benefits of saving your finances at a young
age
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.
For instance
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, you can be self-reliant in your old
age
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 if you invest from an early
age
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. You may find many government and private investment plans for
this
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. Name some of them, Public Provident Fund and many other private saving schemes.
Therefore
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, you may start economizing your funds to relish your old
age
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. To sum up, I stand at a point where we should balance our assets into spending and saving.
Although
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 it is quite easier and tempting to spend more in our adulthood, we should
also
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 be considerate about our future.

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Topic Vocabulary:
  • money management
  • financial decision
  • financial stability
  • instant gratification
  • desires
  • enjoyment
  • satisfaction
  • lasting memories
  • experiences
  • financial security
  • emergency funds
  • long-term goals
  • retirement savings
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