Everybody in this world is different from one another. But do you know that understanding differences can help you better manage your money?

As we grow up, we gradually（漸漸地）develop a set of our own values or beliefs. These are influenced by society, our family, the education we receive and so on. Once this value system is set up, it’s not easy to change later in life. Financial experts（財(cái)務(wù)專家）say that everyone also has their own belief of how to manage their finances. This is the part of our value system and it has a great influence on the way we look after our money. According to our different values, experts put us in three categories（類別）. They are: the ant, the cricket（蟋蟀）and the snail（蝸牛）.

The ant—work first

Just like ants who work heart and soul in summer in order to store food for winter, these people don’t care about enjoying the moment. They work very hard and save money they make so that they can enjoy life when they get old. The ant loves to save.

The cricket—fun first

The cricket wants to enjoy everything now and doesn’t think too much about the future. They even borrow money when they really want something. Many young people now belong to this group. These people have little savings. When they get old, they might have problems. They should learn to save and buy insurance（保險(xiǎn)）.

The snail—living under pressure

The snail refers to people who make life difficult for themselves. They take big long-term loans（借款）from the bank in order to buy things such as big houses. They are happy to take big loans even though they are not sure if they can afford it. This can cause problems in the future. They should plan more carefully.

1.The meaning of the underlined words “value system” in this passage is .

A.belief of how to manage our finances B.the way we look after our money

C.something that will not change later in life D.a set of our own values or beliefs

2.The ant refers to people who .

A.work very hard in summer in order to store food for winter

B.can make more money if they work harder

C.save money they make for their later life when they get old

D.only care about enjoying the moment by working very hard

3.Why do the crickets borrow money?

A.Because they would like to enjoy everything now. B.Because they are young.

C.Because they think they have no future. D.Because they want to buy insurance.

4.The writer’s purpose in writing the passage is to .

A.make fun of the three kinds of silly people

B.make us understand the differences and manage our money better

C.make us understand we should spend our own money

D.tell us that we are the same as animals

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