关于金钱管理的英语作文：money management

Money management
-Louise
When it comes to money, many college students complain that they are lack of it. One of the main reasons is that they don’t know how to use the money efficiently and wisely. I firmly believe that knowing how to manage money is must-known skill in life. Let me share my own experience and my opinions on how to a good money manager.
As a saying goes, “if you fail to plan, you plan to fail.” To manage the money efficiently, you need to make a good plan. How to make a plan? Firstly, not mention the Windfall, you should figure out how much money you will have each money. Secondly, you will have to make a list about what you will surely spend the money on, such as transportation, and then make a budget. If you find your budget exceeds the money that you can spend, make a modification on where you can reduce the expense and make sure the budget is within the money that you have. If you find that there are money left after the budget, save the money for a rainy day. Thirdly, carry out your plan and stick to it. Something unexpected might happen and make you spend some money out of the budge. At this time, you should make a note and make a modification on your budget too.
Besides, there are two things that you need to pay attention to. You should avoid using credit card because it will tempt you to spend more than you can and make you fall in the debt trap. It’s a good habit for you to take a note about the expense everyday so that you know where the money goes and easily check where you spend the money wrongly.
Take myself as an example, I make a weekly plan. I first separate the money that I will have for one month into four parts for each week. And then I will write down what will make me spend the money and how much they cause each week. After I draw such a picture, I carry it out and take notes on how much I spend on each item. Week after week, I form a good habit on spending the money and successfully manage them.。