Banked cloze Fill in the blanks by selecting suitable words fromthe word bank. You may not use any of the words more than once. 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, there is no2) _________ 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.