Fill in the blanks with the words given below: perspective budget distracting resume perspective ego defy contradict odds appetite perspective Spend or save – the student ’ s dilemma I think that the messages we get from our environment seem to 1 common sense and 2 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 credit card 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 valuable a customer we are and encourage us to 3 spending. We get two sets of messages at 4 with each other. One is the “ permissive ” 5 ---advertising ’ s permissive message is inescapable; The other is “ upright ” message. On one hand, we want more things because we want to satisfy our material 6 . On the other hand, we hope to 7 our desires. Anyway, many of the skills you need as a successful student can be applied to your finances. 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 10 get in your way and urgently get help. As you learn to balance spending and saving, you will have a successful and productive life.