Summary Listen to the passage. For questions 26—30, complete the notes using no more than three words for each blank. Managing M

Summary
Listen to the passage. For questions 26—30, complete the notes using no more than three words for each blank.
Good morning everyone. Today I’m going to talk to you about how to manage money. So, I’m going to give you five tips... Now the first point is about how much you spend. It’s really important that you don’t overspend. You can just cut back or reduce what you spend by a little, just a few small things, then it can make a big saving. Ah, the next point is about how much you earn. It’s important that your salary is appropriate for your job. Another important point is that you need a budget. That’s a simple plan of what you spend your money on. Don’t just write it and forget about it. OK, now my fourth point is about managing your debt. Before you borrow money, think about what you are borrowing it for. It’s a good idea to borrow money to buy assets, for example, to buy a house. And it’s a good idea to pay for your education. It isn’t a good idea to borrow money for non-essentials, for example, expensive clothes, holidays or dinner at a nice restaurant. And my final tip for managing your money is to plan your savings. It’s a good idea to save about ten percent of your salary every month. Include this saving in your budget and try and increase how much you save every year.