新的一学期又开始了，亲爱的同学们也将步入紧张而充实的初三最后一学期的生活。初三是一个神秘的名词，它又是三年学习中终期的一个代名词。人生的道路虽然很长，但关键的往往却只有几步，而初三就是这关键几步中的第一步。我们只有迈好这一步，才能顺利通往人生的顶点。同学们，初三是机遇，初三是挑战，初三这座大山就横在我们面前。为此，我们只能选择拼搏，不能后退!寒窗九载，只剩最后一搏，同学们，再加一把劲，每天进步一点点，那就是成功，只要不放弃追求，就永远不会被打败!
Different people have different opinions to money.Some people prefer to deposit money. Usually, they divide their salary into two parts. A part is for daily expenses and another is for depositing. Not only that, they may try to reduce costs of various aspects.
不同的人的金钱观不一样。有些人喜欢存钱。通常，他们都会把他们的工资分成两部分。一部分用于日常开支，另一个是用于 储存。不仅如此，他们可能还会降低各方面的成本。
Obviously, some people like saving money, while there are others are inclined to spend their future money. They may spend too much on foods, clothes and entertainment; therefore, their expenses often are over their wages. This act brings about risk of getting into debt.
很显然，有些人喜欢存钱，而有些人则喜欢提前消费。他们可能会花太多钱在食物，衣服和娱乐上;因此，他们的消费总是高于他们的工资。这种行为可能会带来负债的危机。
To my way of thinking, people should keep a balance between depositing and advance spending.
我认为人们应该在存钱和提前消费之间保持一个平衡。
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