写作思路：围绕文章的中心思想，结合自身感受得描述，正文：
Social and economic development today has not only brought us new kinds of goods and services, but also greatly changed the way we buy goods and services.
经济的发展不仅给我们带来了新的商品和服务，同时也大大改变了我们购买商品和服务的方式。
As students mostly rely on their families, along with the increasing pressure of daily life, they are more careful with their money: they collect all kinds of coupons, look for group-buy deals for eating and travelling, and buy clothes only on sale. For most people, this seems to be a smart way of enjoying better life at less expense. For me, however, this may not make us become smart buyers.
作为主要依靠家庭的学生，随着生活压力越来越大，他们用钱需要更加谨慎了：收集各类优惠券，组团吃饭和旅游，只买打折的衣服。对大多数人来说，这似乎是一个聪明的享受更好生活的方式，因为这些消费只需较少的费用。对我来说，然而，这也不意味着我们是精明的消费者。
I think such habits as buying with coupons or in the form of group-buy deals will easily result in overbuying and blind consumption. Buyers tend to think that coupons and group-buy deals give them a great advantage of saving money.
我认为这样的习惯如购买优惠券或团购很容易导致不必要的盲目消费。购买者往往认为优惠券和团购能帮助他们省钱。
It is praiseworthy that students choose to buy something they’re really in need of in such a way. But most of time, it is hard for them to refrain from being tempted to buy things offered at a tempting discount. The ultimate result is that they spend more money than they have planned before and harvest a heap of what they don’t really need.
值得赞许的是，学生选择去买东西，他们真的有这样的需要。但是大多数情况，他们不想购买一个诱人的折扣的东西是很难的。最终的结果是，他们的花费超过了预算，买下了一堆他们根本不需要的东西。
All in all, we should buy things out of necessity and ration instead of impulse. Don’t be confounded with lust and greed when seeing much cheaper things. Look before you leap. Only in this way can we be a truly smart consumer.
总之，购物应出于必要合理的，需求，而不要一时冲动。当我们看到非常便宜的东西时，不要被欲望和贪婪混淆，三思而后行。只有这样我们才能成为一个真正聪明的消费者。
Is it better to enjoy your money when you earn it or is it better to save your money for some time in the future? Use specific reasons and examples to support your opinion.
Model Essay(范文)：
"Save it for rainy day." That's my motto. When I have a choice between spending my money or putting it in my savings account at the bank, I always put it in the bank.I will have a lot of expenses in the future like my education, travel, and unforeseen emergencies. I need to have money set aside for these expenses.
Education is expensive. I can't depend on my parents to pay all my bills. I have tuition, room and board, books, and incidental expenses to pay for. I'll try to get a scholarship to cover some of these costs, but I know I will be responsible for a lot of the expenses. If I spend my money now, I won't be able to pay for my education. I need to save money for my education.
Travel is also very expensive. I don't mean vacation travel. I mean travel to get to and from school. Transpacific airfare costs a lot even special reduced fares. I first have to get to school and then, of course, I want to return to my family for important festivals and occasions. Going back and forth will be costly, but worth it. I need to save money for these trips.
Emergencies could arrive at any moment. I might have an unexpected illness while I am at school. There might be costs that won't covered by the school insurance. One of my family members may need help, I will have to send them money. You can't predict emergencies like this, but you can be prepared. I need to save money for these emergencies.
When you are not rich, you cannot spend your money carelessly. You must plan ahead. I know in my life, I will have expenses for my schooling and for travelling to and from my home. I know that I will also have unexpected expenses related to unforeseen emergencies. I must be prepared. I need to save money for these events.本回答被网友采纳