Of course, there are many ways to write an essay about these three different, but also appropriate topics. In my opinion, writing an essay about one topic isn’t right, because the main information, data and as well as ways of solving the problems remain unanswered. I have chosen the mixture of these three topics to write a productive, meaningful and interesting essay.

In general, we all know how to spend, save and waste money as well. These three ways are connected to each other, because it is logical that if one does not exist, the other will not exist. I think you should know how to work before spending. And here a new topic is added, how to earn income, money. I mentioned the three ways in the title: spending, saving, wasting, but I didn’t mention earning. You can earn money in a variety of ways, from a scholarship to your own salary. You can be a successful entrepreneur earning huge amount of money every month. It is not so important. But here very important questions arise: how to spend it, how to waste it? Probably, many people think to buy expensive clothes, dresses, shoes, immovable and movable goods with the earned money. They are fashionable people. However, spending them is more like wasting, because they pay a huge amount of money for something that can wear out and spoil after a few days. Some even buy it for show. Some circle thinks to buy necessary or needed things with money. Even many people contribute money to the state or charitable institutions.
We are able to distinguish between the verbs “to waste” and “to spend”. They are almost the same in meaning, but in reality, the difference between them is huge. If we explain with the simplest example, then one is positive and the other is negative.
Saving, in my opinion, is one of the most useful on this list. Why, because by saving you create a prosperous future for yourself, that is, the money you save will serve you in the future and the more, the better. It is also useful in that you can easily borrow some amount at any necessary moment, without fear of falling under catastrophic loans…

The point of this essay was not how to earn, spend, waste and save money, but how to handle money wisely. In our various discussions, I have repeatedly mentioned that thrift, be it material or psychological, is an important feature that few people have, but I myself am not very thrifty. I advise you to use it wisely in our century, to understand whether the thing that is placed on the first shelves of stores is important, necessary or not.