求关于怎样花钱的英语作文～最好多几个版本,

Do you hate it when you really need money,but your wallet is empty?Well,thanks to spending wisely and saving,this can be stopped.Here are a few tips:
1 Most people spend above their limit by using credit cards.Learn and know how to eliminate these debt pits by budgeting wisely and sticking to it.Pay on time.Pay your balance on or before they are due to avoid late fees.It will also prevent the raise of your interest rates.Try pay cash instead of breaking your budget with the swipe of plastic object.
2 Save more by making a percentage of your paycheck to a savings account.Find for the best deal.While your bank may offer a 1%-2% interest rate,online banking institutions can offer as much as 5%.
3 Sometimes your paycheck just doesn't cut it.In these situations,you may consider relying on lending options,i.e.short-term payday loan.
You borrow only the amount you can pay back.Keep in mind,the interest rate for emergency cash advances are much lower than bounced check fees,high-rate credit cards or NSF fees.
4 There are resources for those who need help with money or credit issues.Research online for tips on how to live smart and save.Consult a credit counselor,visit the finance section from the library or bookstore,or share your situation with family and close friends or family.

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