Good morning (afternoon) dear examiner.
My name is Ochilova Mavjuda and I am representative of group 111. My ID number is B1300292.
Today my presentation will be regarding to “Wasting money or saving it to the future”. I appreciate your precious time and attention to my speech. If you have any questions, you are welcome to ask at the end of my presentation. So let me start from a brief overview of the main points I’m going to touch upon in my presentation.
My outline consists of:
Introduction
Body: 1. Why do people waste money as soon as they get it?
2. Pros/Cons of saving money
3. Finding the middle path
Conclusion
Predictions
Recommendations

Introduction
First of all, let me explain the general overview. Each person wants to live in luxury that there was enough money not only for today, but for the future as well. The main problem is that the majority of people do not know how to live, how much money to spend and where to spend them. But the concept of luxury, individuals’ society understood differently. For some people it is a complete luxury social comfort, for someone buying the long-awaited car.
Body:
Why do people waste money as soon as they get it?
Moving to the first main point of my speech, I would like to say why people spend money so fast. We realize that the worst wasteful spending simply comes out of bad habits and a tendency to do things because we’ve always done them- but if you’re trying to change your lifestyle for the better and get real with your money, you’re going to want to look at the little habitual tasks you take for granted. Spending money actually makes many people feel more powerful. Whether it is handing over a wad of cash or pulling out a gold card to charge money, the simple act of spending a large amount of money gives them a rush of false power. Spending $40 on a haircut, $120 on a designer dress, $50 on a new pair of shoes and maybe $75 on a facial every other week sounds outrageous to most people. However, for many people, it makes them feel like they are someone. It makes them feel like they are worth something to the world.
Pros/Cons of saving money The second point is savings can be defined as extra money for a better tomorrow Many people do not realize or just do not want to believe it that it doesn’t matter how much you can save every month, (will it be $10, $50, $500 or $1000) in the long run it will bring you financial security, financial freedom, and less worries and stress in your life that will bring ultimate comfort that well try to achieve. However, there are also some disadvantages to saving money. People who save money excessively and do not spend enough become known as misers. Even if they are earning well, they are not giving back financially to society. They become known amongst their friends as takers rather than givers, and are disliked for not giving enough. This condition can go to extremes when a person does not spend enough to care of themselves
Finding the middle path.
Some people work very hard to earn money, limit themselves around, eat and dress modestly; do not spend on expensive holiday and various entertainments. But in old age, they realize that except of work they have seen nothing, regret that they did not live for themselves and for their own pleasure. Earning so much money, they were able to have at least a minimum of comfort.
Another category of people are who are not thinking about the future, live for today. These people spend a lot of money and sometimes without thinking can spend one day most of the earned amount.
Predictions
There are many who warn that the unbelievable volumes of money that have been created from thin air to try and fight the economic crisis will soon hammer down the value of currency in every country in the world forcing us all to pay much more for our basic needs. This inflation forecast is based on a different view of inflation than most people have. It's not about the rising of prices through normal "supply and demand" pressures, but rather the money in your wallet buying less and less each week.
Summary
Now, let me briefly to summaries the main ideas of my presentation. People spend their health to make money and then spend money to restore health. Chasing a ghostly comfort in the future, they cease to live today. They think that the end is still far away and when he comes unexpectedly, people understand that do not have time to live for themselves. It is advisable to spend some of the money earned on the minimum necessary comfort in the present, but do not forget completely about the future.
Recommendation
I would like to finalize my presentation with some recommendations. Try to cut down on your monthly outgoings, and then use that money to provide you with greater return later on. Finally, if the way that you currently make money is negatively affecting other areas of your life, such as health, love or friendships, you may want to examine those areas as you might just find that there’s more to life than money.