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Slide #2
The topic of my presentation is “Money matters”. I have divided my
presentation into five sub-themes: money and happiness; value of money;
importance of spending habits; importance of budgeting; benefits of saving for
the future.
Slide #3
In today's world, money plays a very important role. Money has a critical
impact on the quality of a person’s life. The family budget determines what kind
of education you will receive and what quality of medical care will be available
to you. Thus, money can fundamentally affect how a person's life develops.
However, many people argue that not everything is measured in money. Indeed,
while money impacts a lot of things in our lives, still some things - for example,
family, relationships, satisfaction from work, being a part of society - cannot be
provided only with money. I believe that money cannot buy happiness, but in
order to lead a decent life, it is necessary to have enough money. I think that no
one will argue with the fact that if a person does not have enough money to
provide for the basic needs, then such a person definitely cannot be happy.
Slide #4
I believe that the value of money is that money is the engine of the economy
and scientific progress. Money can be directed to the development of certain
areas. Since there is a limited amount of money in the world, the governments
have to decide what to spend money on first of all. Governments have a choice -
to allocate a budget for the development of medicine, education or science, or to
spend money on the military sector. The fate of individual countries and the
whole world depends on such decisions.
Slide #5
It is very important to develop certain habits for spending money. For example,
I have set for myself the following spending habits: I divide my monthly income
into separate categories, for example, money for rent and utility costs, money
for buying food, transport costs, medicine costs, and finally, some part of
money is set aside for entertainment and for sudden expenses. Spending habits
are largely influenced by what’s around us. This includes observing and
following the spending habits of our parents or other significant people around
us; our culture and society, because different cultural norms dictate what
spending habits are normal. Our own unique personalities and experiences also
play a role. Two siblings raised in the same environment may have very
different spending habits. One might be a hoarding saver while the other may be
a free spirited spender. This includes other forces such as gender and the gender
roles one sees and perceives. The media also has a role in how we spend and

save. One can think about the spending habits of the characters we saw on TV
as we were growing up – and today.
Slide #6
In my opinion, budgeting can help you improve your financial well-being.
Budgeting is one of the most important financial habits you can adopt. In short,
budgeting is important because it helps you control your spending, track your
expenses, and save more money. Additionally, budgeting can help you make
better financial decisions, prepare for emergencies, get out of debt, and stay
focused on your long-term financial goals.You can earn a lot, but at the same
time you constantly notice that there is not enough money for something. Even
if you earn little, if you distribute your monthly expenses wisely, this will help
not to be in so much distress. Of course, the formation of the budget will not
save you from poverty and does not mean the acquisition of wealth, but,
nevertheless, it helps to live a decent life. Between helping you achieve your
financial goals, keeping you from getting financially overwhelmed, and even
helping you avoid or get out of debt, there are so many reasons to live on a
budget.
Slide #7
Budgeting helps to control your spending - budgeting is important if you want
to keep a close eye on your daily spending habits, understand the impact of
seemingly small expenses, and take control of your spending. Budgeting keeps
you on track for your financial goals - through a budget you can reverse
engineer your goals, and develop a clearly defined process to achieve them. In
essence, when you create a budget, you are setting boundaries on your financial
behavior so that you can stay on track and achieve every goal you set for your
life. Budgeting helps you find financial contentment - every time you sit down
to create expenses into your budget, you are making a conscious effort to focus
on your own finances instead of others. Budgeting keeps you from feeling
financially overwhelmed - that way, you never spend beyond your means, you
are always well-prepared for unexpected expenses.
Slide #8
Budgeting helps you avoid or get out of debt - it can help you get out of debt, or
plan your finances so that you can save and pay cash for big purchases and
avoid debt in the first place. Budgeting keeps you organized - in other words,
it’s easier to live on a budget and keep your financial life organized, than it is to
try to get your finances in order after you have allowed them to get
disorganized. Budgeting helps you prepare for emergencies - if you make a
point to save for emergency expenses in your monthly budget, then you can
avoid all sorts of financial difficulty. Budgeting helps you save money - my
budget increased my savings, and made me want to let it sit in my bank account.

Budgeting helps you get ahead - living on a budget can help you finally build
that financial life you always imagined. To put it in the simplest of terms, if you
want to finally get ahead in your financial life, start living on a budget.
Slide #9
Many economists advise people to save money for the future. I absolutely agree
with this. Firstly, if you have savings for the future, then you feel more
confident, because you are protected from sudden changes in the economic
situation. Secondly, if you have savings, it makes it easy to endure sudden
expenses without having to take out a loan, such as spending on medical care or
on large purchases. Thirdly, savings for the future are very helpful in case of a
sudden loss of a source of income. Saving can give you freedom - if you don’t
know exactly what you’re saving for right now, you’ll likely find something you
want to save for in the future. How much you should save depends on your
financial goals. You may have a tangible goal you want to pursue, like taking a
year off work to travel. In that case, you want to estimate how much you’ll need
not only to cover the cost of travel, but also to cover regular living expenses if
you don’t plan to make an income during this period. Saving provides financial
security - I save because I want my future self to have the same great lifestyle I
have now, and I don’t want to get caught in a financial emergency Saving
means you can take calculated risks - part of the importance of saving money is
to build cash reserves so you can take calculated risks with less worry. If you
don’t have any savings, it may be harder to pursue certain passions. Take
starting a business, for example. To be a small business owner, you’ll need
financial backing to get it off the ground.
Slide #10
To conclude, the topics of the importance of money, financial literacy and
savings for the future were considered. A sufficient amount of money is
necessary to ensure a decent quality of life. In order to have enough money even
with a small salary, it is necessary to draw up a personal budget and make
savings. Thank you for your attention! If you have any questions, I'm ready to
answer them.