We all need money, but money doesn't grow on trees. How can you be swith your money? First, follow one rule. Always spend (little) than you earn. To do that, make a budget. What do you spend money ? Write down those things. Your list probably (include) things such as clothes, food and entertainment. Next, decide on an amount to spend on each one. Wit down. Then stick to your budget!
You need (save) some money every month. You may need extra money for an emergency. Also, you may want to buy expensive (thing) such as a new phone or computer. Save money you have enough to buy them. Don't buy them with a credit card and just make (month) payments. If you do, you (pay) a lot of interest. Then what you buy will be even more expensive! Wait until you have enough money to buy what you want. That's smart.
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