英语四级作文是检验我们英语应用能力的重要一环。在备考过程中，我们需要注重积累词汇、掌握句型，并学会如何清晰、准确地表达观点。以下是一篇关于 "存钱的重要性"为主题的英语四级作文范文，旨在为大家提供写作参考。

范文

The importance of saving money

存钱的重要性

As far as we are concerned, today most Chinese college students are in favor of the idea of saving money for later use, while quite many others think it is much better to use tomorrow's money today.

就我们所知，如今大多数中国大学生都赞成存钱以备不时之需的想法，而相当多的人则认为今天花明天的钱更好。

In my opinion, I agree with the former. Firstly, saving money helps people get rid of some difficulties such as accidents, disease or other mishaps. As we all know that, when one faces such tragedies as fire damage or fatal disease, one would need a large amount of money to survive such difficulties.

在我看来，我同意前者的观点。首先，存钱有助于人们摆脱一些困难，如事故、疾病或其他不幸。我们都知道，当一个人面临火灾损失或致命疾病等悲剧时，他需要一大笔钱来度过这些困难。

Secondly, saving money can give one a sense of satisfaction. Since most people work hard every day, what makes them feel happy and satisfied is that they find they have accumulated a large deposit through their hard-working, and they will go on doing their best to work.

其次，存钱能给人带来满足感。因为大多数人每天都努力工作，让他们感到快乐和满足的是，他们发现自己通过辛勤工作积累了一大笔存款，并且他们会继续努力工作。

Thirdly, saving money allows one to give a helping hand to others who are in need of money. With money available at the moment, one can offer badly needed help to those in temporary difficulty, say, those who are suffering from flood, famine, a car accident, or things like that. Yet taking a loan from a bank is often too costly. Thus, the timely help will be rewarded with gratitude.

第三，存钱能让人在他人需要钱时伸出援手。当手头有钱时，人们可以向那些暂时遇到困难的人提供急需的帮助，比如那些遭受洪水、饥荒、车祸或类似情况的人。然而，从银行贷款往往代价高昂。因此，及时的帮助会得到感激的回报。

All in all, it is useful for college students to save money, and it is also an important aspect of the Chinese conception of virtue.

总之，对于大学生来说，存钱是有用的，而且它也是中国传统美德观念的一个重要方面。

重点词汇解析

As far as we are concerned：就我们所知

in favor of：赞成，支持

save money for later use：存钱以备不时之需

use tomorrow's money today：今天花明天的钱（即借贷消费）

get rid of：摆脱，除去

mishap：不幸的事故，灾祸

fire damage：火灾损失

fatal disease：致命疾病

a sense of satisfaction：满足感

accumulate：积累

deposit：存款

go on doing sth.：继续做某事

give a helping hand to：向...伸出援手

temporary difficulty：暂时困难

famine：饥荒

costly：昂贵的

timely help：及时的帮助

All in all：总之

conception of virtue：美德观念

important aspect：重要方面

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