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Reading. Attitudes towards money






ATTITUDES TOWARDS MONEY

Generally, people are classified into three categories according to their attitudes towards money: misers, spenders, and economizers. Misers seem almost obsessed with the idea of saving, so they accumulate money in banks if their income is large, or in the house - stuffed in mattresses or under the living room rug - if they are low income people. They deprive themselves of many things and spend money just on the most essential things. Spenders are people who have a tendency to spend too much on too many unnecessary things. They are often too generous, making elaborate gifts to friends and family. Credit cards in some spenders' hands are often dangerous weapons. They become addicted to using them, only to regret it later when the bills come in and they are unable to pay. Economizers are practical people who spend wisely, usually making use of a budget. They can enjoy more and various material things and activities due to their careful utilization of funds. They spend in moderation and save in moderation for their future retirement or the education of their children. Of these three types of people, economizers are what most of us are having to be in our age. The acute problems of inflation, shortages, and low salaries are forcing us to become economizers. It is the only way to be if we are to survive in the future. Hopefully, the misers and big spenders will modify their extreme attitudes towards money in these circumstances and convert into economizers.

EXERCISE 1: Find words or phrases in the passage which mean the same as:

COLUMN A COLUMN B

a) be unable to, or find it difficult to, think of

anything else

b) collect over a period of time

c) the part of a bed which is slept on

d) stop oneself from having or enjoying something

(phrase)

e) luxurious; fancy

f) use (phrase)

g) use in a practical way [noun]

h) sharp; severe

i) change slightly

EXERCISE 2: Choose the correct answer according to the passage.

1. According to the writer, some spenders use their credit cards

A) to buy elaborate gifts for their friends

B) mostly for their essentials

C) for bills which they are unable to pay in cash

D) so that they can be generous

E) with results for which they are eventually sorry

2. The writer implies that the economizers

A) spend more on the necessary things and less on entertainment

B) have the best attitude to money

C) give their children a better education

D) are only interested in material things

E) are much better than other people

3. The writer states that

A) we are being forced to become economizers because of the economic situation

B) misers and spenders cause inflation problems

C) we won't be able to survive the shortages in the future

D) at a certain point in life it is necessary to economize

E) in other circumstances it would be acceptable to be a miser or a spender

EXERCISE 3: Complete the sentences by selecting words from Column B in EXERCISE 1.

1. I can't sleep at night because my is so uncomfortable. I'll have to get a

new one.

2. She absolutely with that pop-group. She has all their records

and buys every magazine or newspaper that even mentions them.

3. The shortage has been more in rural areas due to transportation

problems.

4. This computer program will have to be a little to suit our requirements.

5. Have you been able to that book I lent you? I've always found it very

handy.

ELS 61


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