环球教育小编为大家总结托福独立写作：理财性话题(2017年12月17日托福考试真题)，希望能帮助大家更好的备考托福。

　　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 expense

　　2. buy technological devices (i.e. cell phones) less frequently

　　3. 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 effective

　　Buy 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 technological devices, on the other hand, it not as effective. One reason is that technological devices are getting cheaper, taking up an ever smaller proportion in the monthly expense. Another reason is that, compared with paying for rent and food, people make major purchases such as cell phones or laptops much less frequently. Even if a person really wants to stay in fashion by using the latest cell phone, he or she only has to buy a new one once a year. This could easily be saved by sharing the aforementioned apartment with a roommate for two or three months. Delaying the purchase, however, could either be a heavy blow on the ego, or on efficiency, as many people now rely on smartphones and laptops to finish a lot of tasks.

　　Cooking at home is also an ineffective approach because young people these days can hardly squeeze time to cook after a whole day’s work. As we know, cooking at home can be a time-consuming task, as it involves buying meat and vegetable, followed by washing, cutting and cooking. Normally, this task may take up to two hours every day. The truth is, with so many hours spent on the road or working overtime in the company, young employees tend to arrive at home at 7 p.m. or later. It would be impossible for them to wait another two hours before tucking into a delicious meal. Also, cooking by oneself does not necessarily save money since one tends to buy more than he or she can consume, leading to a waste of money.

　　In conclusion, the best way to reduce the monthly cost is to find a roommate to share the rent and utilities, rather than trying to economize on technological devices or food.

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