One possible version:

Dear friends,

How should we deal with the pocket money given to us by our parents or we earn from our work? Of course we can use it as we like, but I think there are three ways we should employ to cope with it.     

First of all, we should learn to save money by putting it away in a bank and take it out when we need it most. Then we should use the money to buy the books we want. In this way, we can enrich ourselves with knowledge. Besides, we can spend the money going to the concerts, watching sports games or collecting stamps to develop our interests or get us into good habits.

In a word, we should take good care of the pocket money we have and not waste it on useless things.

这是提纲类短文，文章的要点以表格的形式给出来的，考生只需要翻译即可，难度不大，在写作的时候要运用合适的连接词把零花钱的使用方法都描述出来，注意改变文章的样式。难度在于选择合适的词汇和句型表达文章需要的意思，可以变换使用一些容易驾驭的句子或者词汇实现同样的目的。要使用合适的连接词来连接各要点，使文章成为一个整体。选择词汇的时候要选择相对高级的词汇，也要运用多种句型，让文章更有变化。