Banked cloze

Fill in tine blanks by selecting suitable words from the word bank. You may not use any of the words more than once.

A charmed  B dilemma  C appetite  D explicit  E retain  F derive  G withdraw  H urgent

I  manipulated  J obstacles  K option  L implicit  M hinder  N suspend  O perspectives

To spend or save is a question which many people have. There is always a(n) I)____whether one should spend the money that he has earned or save that money for the future. well, there is no 2)____answer to the question as different people have different 3)____on their life, and that is the reason why some people tend to spend all the money earned while others4)____control over their money.

People who spend all the money do not think much about the future. The only thing that they enjoy doing most is to 5)____pleasure from spending money. For example, if they like a particular car, mobile phone or laptop, they will buy it without giving it a thought. For them, the most important thing is to satisfy their material 6)____. People who have their first job or who haven't married often fall in this category.

In the long run, saving is a good 7)____for one's life as saving helps an individual to plan for future 8)____needs.That is also the reason why many people save money for a rainy day.Individuals who can 9)____their spending save money successfully. Instead of buying on impulse, they delay their purchasing decision and won't be easily 10)____by commercial ads. Individuals who have responsibility for their family belong to this category.

KEYS

1 B  2 D  3 O  4 E  5 F 

6 C  7 K  8 H  9 N  10 I