下面是2014年英语六级作文范文：存钱还是消费，希望考生先自行练习，再比照范文，并背诵范文中的实用词组和经典句型。
　　作文话题：
　　Save Money or Borrow Money?
　　1．有人喜欢存钱
　　2．有人却喜欢提前消费
　　3．我喜欢…
　　范文：
　　Save Money or Borrow Money?
　　Mentioning money, some people like to deposit it in the bank, while others like to consume it in advance. Money saved by people is mainly for: buying a house; in case of emergencies or diseases, car accidents, unemployment, earthquakes, and things like that; in case of college expenses of their children; for retirement, and so on. People believe that saving money is essential to lead a comfortable life. Having money in the batik allows people to pay for vacations or expensive purchases like furniture or doctor bills cash.
　　With the world entering a consuming era, many people, especially young white-collars and college students, choose to borrow money. In other words, they spend money in advance _ use credit cards and pay back the loan and interest on the next payday. They argue that: first, they could enjoy the convenience of credit cards and purchase expensive goods. Second, many banks make some preferential policies on credit cards, like sending a gift or lowering year cost which is a big attraction,
　　On my personal level, I approve of saving money — in case of emergency, you do not need to turn to others for help, at least. And I am opposed to the abuse of credit cards among college students. Since in most cases, parents arc their sole Vandal sources.