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) ##1## whether one should spend the money that he has earned or save that money for the future. Well, their 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 others ##4## 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.