(текст на русском - ниже)
some people are smart when it comes to money and how they spend what they have and others are not. i am among the latter. i have always been that way. i am a true hedonist, and i constantly keep on spending money to add a portion of joy and pleasure into my life. let me give you an example - as a child i never had any pocket money left. if i did not have any money, well, then i did not, but if had any, i would always buy something. always!!! chewing gum, sweets, stationery and all sorts of other fun things that i really-really wanted to have, but probably did not always need. unfortunately, this is how i grew up and this is the way i have been for many years now. after graduating from high school,i dreamt of becoming financially independent as soon as possible, and even though it took me years to come any closer to that point, i did what i could right away. for example, it was essential for me to receive a scholarship from the government while studying at university in order to not have to pay the tuition fee and to receive a monthly bursary, which was not much, but that was not the point. the older i got, the clearer it became that i had to do something about the way i spend what i earn. i have read so much about the importance of saving up and i have thought about it a lot too, because it is clear - if you want to buy something more expensive than a few books, than you have to make an effort to stop buying some other things and to put the money aside. i think i have finally made some progress and i would like to tell you about it today!
