英语演讲稿（会话稿之类的）

Good morning, ladies and gentlemen. My topic is New Year Gift Money. During the Spring Festival, many students got a considerable sum of New Year Gift Money. What should we do with this money? Usually there are two alternatives: spend it or save it. Which is better? In my opinion, to save it is more sensible for us students.
First of all,as we all know, thrift has long been our tradition virtue. Even in ancient times, our ancestors already knew from their experience that it was easy to go from frugality to extravagance but different to go from extravagance to frugality. Once students get into the habit of spending money extravagantly, he may find it very different to stop doing so, and he may keep buying things like clothes of famous brand, imported stationery, or most updated cell phones.
Secondly, saving money prepares us for rainy days. There is an old saying witch goes like this: “Human fortunes are as unpredictable as the weather.” It means that we students can neve