Spend or save –the student’s dilemma I think that the messages we get from our environment seem to defy 1 and contradict 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 2 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 resume 3 . We get two sets of messages at 4 with each other. One is the “permissive” perspective---advertising’s permissive message is 5 ; The other is “upright” message. What happens as we take in these contradictory but explicit messages? 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 distracting. So, how can you be a smart and educated consumer? Consider 8 classes or school’s financial aid office or seek input in setting up a 9 . You can also finding a parner to help you stay on track and find pleasure in the administration. Most importantly, don’t let your ego 10 and urgently get help. As you learn to balance spending and saving, you will have a successful and productive life.