英语作文《月光》（1）

Nowadays, more and more people, [1]especially the young are joining in the army of “the moonlight clan”. These people exhaust their earnings every month without any savings. [2]Many people think this is a fashionable life style, [2]while more other people object to this kind of consumption style.

[3]Those who support “the moonlight clan” think that those people know how to enjoy life and have a higher life quality. [3]However, more other people criticize “the moonlight clan”. They say that the consumption habit of “the moonlight clan” is unhealthy and sometimes wasteful. In addition, no savings will [4]place “the moonlight clan” in a difficult position [5]in case of unexpected expenses.

[6]Weighing these two arguments, I prefer to the latter one. In my eyes, [7]though “the moonlight clan” may acquire temporary satisfaction from their consumption, [8]in the long term, it [9]is unfavorable to their family and career. [10]Just as a proverb says, one should always prepare for a rainy day.

英语作文《月光》（2）

Nowadays, more and more people, especially the young are joining in the army of “the moonlight clan”. These people exhaust their earnings every month without any savings. Many people think this is a fashionable life style, while more other people object to this kind of consumption style.

Those who support “the moonlight clan” think that those people know how to enjoy life and have a higher life quality. However, more other people criticize “the moonlight clan”. They say that the consumption habit of “the moonlight clan” is unhealthy and sometimes wasteful. In addition, no savings will place “the moonlight clan” in a difficult position in case of unexpected expenses.

Weighing these two arguments, I prefer to the latter one. In my eyes, though “the moonlight clan” may acquire temporary satisfaction from their consumption, in the long term, it is unfavorable to their family and career. Just as a proverb says, one should always prepare for a rainy day.

参考译文

如今，越来越多的人，尤其是年轻人加入“月光族”的大军。这些人花掉每月收入没有任何储蓄。很多人认为这是一种流行的生活方式，而更多的人反对这种消费方式。

那些支持“月光族”的.人认为，这些人知道如何享受生活，有一个更高的生活质量。然而，更多的人批评“月光族”。他们说，“月光族”是不健康的，有时浪费的消费习惯。此外，没有储蓄将“月光族”以防意外开支困境。

比较这两种观点，我更偏向于后者。在我看来，虽然“月光族”可以获得临时满足感消费，从长远来看，这不利于他们的家庭和事业。正如一句谚语所说的，人总是要未雨绸缪。

英语作文《月光》（3）

Moonlite is a term referring to those people who exhaust their earnings every month withoutany savings.

With the acceleration of globalization, it seems that the availability of various commoditieshas put more and more people into the category of moonlite.

And these people are even proud of this unique life style.

The moonlite brag their behaviors as a fashionable way to live a life.

But we have to admit that problems exist in both their beliefs and behaviors.

Firstly, industrious and economical concept has been Chinese traditional moralexcellence.

And moonlite has violated the belief seriously.

Secondly, no savings will place themselves in a difficult position in case of possibly unexpectedexpenses.

Thirdly, this immoderate consumption habit may subconsciously infect their self-controlabilities, which can result in serious consequences.

In my view, though the moonlite may acquire temporary satisfaction from immoderateconsumption, in the long term, it will deteriorate their personal financial levels.

For majority of people, their income is limited and unnecessary expenses should be avoided.

We should always bear this sentence in mind: Live within your means and save for a rainy day.

英语作文《月光》（4）

Recently，we did a survey on how student spend their pocket money among 2000 stuent …

Recently, a survey has been done on how middle school students spend their pocket money. according to the results, 55% of the students spend their pocket money on their study, such as buying reference books. About 27% use their money for food and drink. While the rest spend their money on entertainment, for example, surfing the Internet and playing PC games.

Since students are consumers, not producers, they should use the pocket money wisely and properly. Buying books or saving money to help those in need is a good way. In addition, it is meaningless and useless to spend much money on unnecessary entertainment.

Anyway, it is not easy for our parents to earn money, so we students should learn to use money carefully.

英语作文《月光》（5）

The conception of money is different for the old and the young. The old generation believes that money should be saved in case of the urgent situation, while most young people think that money should be spent to realize its value. When I was struggled about the different opinions, I saw the news report about a man got back his money that he saved in the early 1990s, which was about 1000 RMB. People made their comment that this amount of money meant so much at that time, which could buy a nice big house, while today it was just a big meal in the restaurant.

This news inspired me to make reasonable plan of money. The old way to treat money is not suitable, because money will lose its value as time goes by. I choose to spend part of money while saving another part of it.

英语作文《月光》（6）

“Save it for rainy day.” That’s my motto. When I have a choice between spending my money or putting it in my savings account at the bank, I always put it in the bank.I will have a lot of expenses in the future like my education, travel, and unforeseen emergencies. I need to have money set aside for these expenses.

Education is expensive. I can’t depend on my parents to pay all my bills. I have tuition, room and board, books, and incidental expenses to pay for. I’ll try to get a scholarship to cover some of these costs, but I know I will be responsible for a lot of the expenses. If I spend my money now, I won’t be able to pay for my education. I need to save money for my education.

Travel is also very expensive. I don’t mean vacation travel. I mean travel to get to and from school. Transpacific airfare costs a lot even special reduced fares. I first have to get to school and then, of course, I want to return to my family for important festivals and occasions. Going back and forth will be costly, but worth it. I need to save money for these trips.

Emergencies could arrive at any moment. I might have an unexpected illness while I am at school. There might be costs that won’t covered by the school insurance. One of my family members may need help, I will have to send them money. You can’t predict emergencies like this, but you can be prepared. I need to save money for these emergencies.

When you are not rich, you cannot spend your money carelessly. You must plan ahead. I know in my life, I will have expenses for my schooling and for travelling to and from my home. I know that I will also have unexpected expenses related to unforeseen emergencies. I must be prepared. I need to save money for these events.

英语作文《月光》（7）

Some people are in favor of the idea of over-consumption. They point out the fact that China‘s rapid economic development has materially enriched the lives of ordinary Chinese people, and at the same time increased our demands as consumers. They also argue that the rising consumption helps drive economic growth.

However, other people stand on a different ground. They consider it harmful to consume more than what their family can afford. They firmly point out that the dogged pursuit for more accounts for our debts, anxiety, waste and overload. An example can back up this arguement: The American financial crisis caused by over consumption made the people of the world worse off. There is some truth in both arguements. But I think the disadvantages of over-consumption outweigh the advantages. In addititon to the above-mentioned negative effects, the surging consuming demand threatens to exhaust our resources and spoil our environment.

To conclude, our government is advocating ideas of "conservation-minded society" and sustainable development. Whether due to sense of guilt about waste, or a simple desire to save money, we need to promote sustainable consumption.

英语作文《月光》（8）

I like to make purchase, since I start to shop online, I will buy things once I like, I just can’t control my desire. As for my mother, she is not like me, she barely goes shopping, she buys clothes once a year. I think my mother is over thrifty, she thinks me waste a lot of money. We have different views of consumption, both of us don’t make the reasonable consumption.

我喜欢购物，打从我开始网上购物，一旦看到喜欢的东西就买，我就是无法控制自己的欲望。对于我妈妈来说，她不像我，她几乎不购物，每年只买一次衣服。我觉得妈妈过度节俭，她却觉得我浪费很多钱。我们对消费有不同的看法，都没有合理消费的观念。

For the old generation, they have experienced war and hunger, so they cherish what they have and are very easy to be satisfied with the things they have, they won’t spend the money to have fun, because they think it is wasteful. In my opinion, we are in the modern society, we have lived the better life and should learn to enjoy the moment. There is no need to save all the money and do nothing.

对于老一代来讲，他们经历过战争和饥饿，因此他们珍惜所拥有的，很容易满足，不会花钱去寻找娱乐，因为他们觉得这很浪费。在我看来，我们现在是处在现代社会，过上了更好的生活，应该学着去享受此刻。没有必要把钱都存起来，什么都不花。

For the young people, they like to spend tomorrow’s money, they don’t save the money because they spend all their salary, they like to go shopping and buy what they want. It is not right to spend all the money, we need to save part of it just in case of the emergent situation.

对于年轻人来说，他们喜欢花明天的钱，没有存钱，因此他们花光了所有的薪水，喜欢购物，买自己想要的。花光所有的钱是不对的，我们需要把一部分存起来，以防紧急情况。

英语作文《月光》（9）

Since I have done the summer vacation internship, I learned that money is not easy to earn. I felt so shameful to waste food.

Reasonable consumption is advocated by the young generation. For the old generation, they advocate to save money. Take my parents for example, they save every cent they can. When they talk about traveling, they will hesitate and finally give up because of money. But for me, I think reasonable consumption not only including the basic needs, but also the amusement. Life is short. We should enjoy every moment and see different people and beautiful scenery. Most people have the plan to save money, but if they take out small part, life can be much easier and happier.

The value of money lies in the happiness it brings, or it is just a sheet of paper.

英语作文《月光》（10）

The average family income in our Kangming City increased from 8,000 yuan per year in 1998 to 20,000 yuan in 2008. In the meantime, the structure of the average family expenses has changed, too. These graphs show the change clearly.

The biggest part of the average family expenses is housing. In 1998, the average family spent 25 percent of its income on housing. In 2880, expenses on housing rose to 42 percent. Food and drink are the second biggest part of the average family expenses. In 1998, about 18% of the average income was spent on this item. In 2008, the figure grew to 30%. As a result of such increase in the expenses on housing and food, expenses on other items have been reduced from 57% in 1998 to 28%in 2008.

Thus, a conclusion can be drawn that as income increases, people can improve their living step. But still the average family has to spend a large part of income to meet the basic needs.