Direction：
　　Recently a Beijing information company did a survey of student life among more than 700 students in Beijing, Guangzhou, Xi'an, Chengdu, Shanghai, Wuhan, Nanjing and Shenyang. The results have shown that 67 percent of students think that saving money is a good habit while the rest believe that using tomorrow's money today is better. What do you think?
　　Write a composition of about 200 words: Saving Money is a Good Habit
　　You are to write in three parts:
　　In the first part, state clearly what your view is.
　　In the second part, support your view with appropriate reasons.
　　In the last part, bring what you have written to a natural conclusion or a summary.
　　Marks will be awarded for content, organization, grammar and appropriateness. Failure to follow the instructions may result in a loss of marks.

　　范文：

01　My Idea of Saving Money

　　 A recent survey, carried out by a Beijing-based information company, has shown that two thirds of the Chinese college students today favor the idea of saving money for later use, whereas quite many others deem it much better to use tomorrow’s money today. Personally, I side with the former.
　　 Firstly, saving money can relieve one’s anxiety in case of accidents, disease or other mishaps. As we all know, when one faces such tragedies as fir damage or fatal disease, one would need a large amount of money to survive such difficulties. Secondly, saving money can give one a sense of fulfillment. Since most people work hard every day, they will be quiet happy and satisfied with his “achievement” when they find they have accumulated a large deposit in the bank. Thirdly, saving money allows one to give a helping hand to others. With money available at the moment, one can offer badly needed help to those in temporary difficulty, say, those who are suffering from flood, famine, a car accident, or things like that. Yet taking a loan from a bank is often too costly. Thus, the timely help will be rewarded with gratitude. A dependable friendship will eventually be fostered.
　　 To sum up, saving money does have many advantages. Indeed, it is an important aspect of the Chinese conception of virtue. Therefore, let’s start saving money from today on.