If you find you spend more than you make, there are only two things to do: decrease your spending or (1) . It’s often easiest to decrease expenditures, because your expenses tend to be more (2) . There are as many ways to (3) as there are people looking to save it. For example, you may pool your resources with friends, or (4) only during sales, or even live more simply. But (5) that saving money should not necessarily be an end in itself. Don’t (6) of ways to save a dime, and don’t get upset about situations where (7) to spend money. The goal is to bring your budget into balance, not to become a tightwad who keeps (8) of every penny and feels that spending money is a (9) . It is important to remember that budgets may be (10) not only by decreasing expenditures, but also by increasing income. (11) to increase income is to get a (12) if you don’t already have one.
Many students work during college. Although working adds to the (13) you will face, it does not mean that your grades will necessarily suffer. In fact, many students who work (14) than those who don’t work, because those with jobs need to be (15) . Considering part-time work is often a better (16) for dealing with budget shortfalls, than taking out a loan. Because student loans are (17) , it’s easy to use them as a crutch. Loans can be of help (18) or if you couldn’t afford to attend a college without them. If you do (19) , remind yourself: one day soon you’ll have to (20) with interest.

铁树的精子是生物界中最（）的精子。