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When you think of money,do you feel like living in the moment and being responsible goagainst each other?Does guilt eat at you when you go ou for unchor a$7oat milk coffee?You don't have to think or feel this way,thanks toa flexible personal finance approach called"A consious spending plan allows you to loo forward,"said Ramit Sethi,author of best-conscious(有意识的)spending,selling I Will Teach You To Be Rich.Conscious spending is all about spending freely on thethings you love,as long as you cut costs determinedly on the things you don't.It's not aboutrestriction.It's about being intentional with your money,and then spending on the things youWhat's most important in doing conscious spending is asking yourself specific questionslove guilt-free.about your financial goals and life desires:What do I love spending money on and why?Howmuch do I need for fixed expenses,such as bills and rent?How much do I want to invest)and save,and why?How much do I want to set aside for things like drinks with a friend ora parking ticket?Your answers to these questions make up what Sethi calls your "rich life"-your life andfinancial goals that are unique to you,not influenced by what anyone else thinks you shoulddo.When you've already intentionally thought about what you value,you don't have to feelanxious,doubtful or guilty.A personal example:I recently decided that on workdays,I'd drink the office instantcoffee instead of spending several dollars on oat milk coffees a few times per week.Weekendswould be when I allow myself to have fun at coffee shops with friends.I made this decisionbecause on weekdays,needing more energy was my only reason for wanting coffee-whereasenjoying better coffee and quality time at my favorite coffee shops on the weekends was moreimportant to me.In this way,I get what I want out of my coffee-drinking by consciouslyfocusing on what's most valuable to me,rather than restricting all coffee purchases.28.What does "conscious spending"teach us to do?A.To manage personal finance flexiblyB.To spend money with a clear purpose.C.To save money by every possible means.D.To stop feeling guilty about our spending29.What does a"rich life"mean according to Sethi?A.A life with enormous wealth.B.A life with big financial goals.C.A life guided by our own value.D.A life not controlled by our feelings.英语试题第6页（共12页）
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