Spend or save –the student’s dilemma I think that the messages we get from our environment seem to defy 1_____________ and contradict each other. The government tells us to spend and also to save more. Banks offer higher interest rates so we can increase savings and also send us 2_________ offers so we can spend more. If we don’t pay our credit card bill on time, the credit card company will warn us. As soon as we pay, the company will tell us how 3________ a customer we are and encourage us to resume spending. We get two sets of messages at odds with each other. One is the “permissive” perspective---advertising’s permissive message is 4___________; The other is “5________” message. What happens as we take in these contradictory but explicit messages? On one hand, we want more things because we want to satisfy our material appetite. On the other hand, we hope to 6_________ our desires. Anyway, many of the skills you need as a successful student can be applied to your 7________. Money worries are extremely stressful and 8_________. So, how can you be a smart and educated consumer? Consider financial literacy classes or school’s financial aid office or seek input in setting up a 9_______. You can also finding a partner to help you stay on track and find pleasure in the administration. Most importantly, don’t let your ego get in your way and urgently get help. As you learn to balance spending and saving, you will have a successful and 10__________ life. common sense valuable inescapable distracting budget credit card upright finances postpone productive