托福写作话题分析：个人理财.docx

实用文档系列 文档编号：YL-SY-11479 第 第 PAGE 1 页 共 NUMPAGES 1 页 托福写作话题分析：个人理财 话题分类：理财性话题考题回忆：If your friend wants to reduce living expenses, what of the following would you suggest?1. find a roommate to share the living expense2. buy technological devices (i.e. cell phones) less frequently3. buy less expensive food and cook at home.解题思路：Find a roommate to share the living expense – can save rent/ utilities (a fairly large portion of living expense in large cities)Buy technological devices (i.e. cell phones) less frequently – no one buys these things really frequently, normally once or twice a year won’t be effectiveBuy less expensive food and cook at home – too busy working ? no time for cooking at home; cooking by oneself does not necessarily save a lot参考范文：City dwellers often complain about the high living expense these days. Normally, if they want to reduce their living cost, they can find a roommate, make fewer major purchases or cook at home. Although all these approaches can save money to some extent, the best way is to find a roommate to share the cost.By finding a roommate, one can immediately cut his or her living expense by a considerable portion. This is because rent and utilities now comprise a major part in the monthly expense for anyone living in a major city. With the influx of so many young people, the rent in large cities is now skyrocketing to record high. Take Shanghai as an example. A two-bedroom apartment in an average community can cost more than 5000 yuan per month. If shared with a roommate, one can immediately save 2500 yuan, which translates into a saving of at least 30000 yuan a year, a saving so great that it can hardly be achieved by resorting to the other two methods. Meanwhile, the utilities can also see a significant decline. After all, air-conditioners and fridges use virtually the same amount of electricity no matter how many people live in an apartment.Buying fewer t