1) To set a budget I should make some notes of my weekly and monthly expenses. Besides, it is a good idea to organise my expenses into categories, such as food and drinks, clothes, transport etc. Finally, it’s necessary to make a note of all money that I get and decide how much I can afford to spend for each category.
2) Small expenses for buying all sorts of little things can add up, so it's easy to spend more than you have, that’s why you need to set your budget
3) Unexpected expenses are always possible, so good money management will help you to avoid getting into awkward and bad situations
4) I fully agree with the author's advice. It is always difficult to calculate your expenses in order to live in prosperity, so these tips are useful for many young people who are still unfamiliar with money management.
I enjoyed my last winter holidays very much. I didn’t go anywhere. But I had a good time staying at home. I had a plenty of time and read a lot of books, magazines, newspapers every day. I also watched TV, listened to music and went out for a walk. The weather wasn’t fine all the time. When it was sunny, I could walk for a long time. When it was frosty and there was much snow, I played in the yard, went skating, skiing or tobogganing.
I helped my parents about the house. I cleaned our flat, cooked meals and washed up. I went shopping almost every day and met my friends. So I had a wonderful time during my last winter holiday.