... is money-saving 。。是省钱的

....is cost-effective。。性价比高的

… is economical. 。。是省钱的

are too materialistic （人们）过于物质化

buy things on impulse 冲动地购物

decrease the cost 减少费用

earn more money 挣更多的钱

have high credit card debts 欠很高的信用卡债务

high housing prices 高房价

high living costs / high costs of living 很高的生活费用

higher transport costs 更高的交通费用

increasing healthcare costs 上涨的医疗费用

manage their budget well 管理好他们的开支预算

manage their money well 管理好他们的财务

reduce financial burden减少经济负担

release financial stress 减少经济压力

save for retirement 为退休养老存钱

save for the future 为将来储蓄

save money省钱

status symbols 身份和地位的象征

我们来看一道口语话题：

Describe the disadvantages of shopping online. Please use specific reasons and examples to support your answer.

论点：Shopping online may waste more money rather than save money.

口语范本：

In my opinion, sometimes shopping online may waste money rather than save money. This is because it encourages and creates more impulse purchase when there are attractive sales and promotions online. Customers may believe that they take advantage of the discounts at the first place but most of them just end up buying tons of stuff that they don’t even need.

Economic partnership of consumer society has a direct impact on values of society and even if the process of change of values can be affected by formers of education politics, economists and politicians, young people still choose values, which conform to their own lifestyle.

相关拓展短语：

consumer culture 崇尚消费的文化

develop good spending habits / develop healthy spending habits 形成良好的消费习惯

earn low salaries 挣很低的工资

face financial difficulties 遇到财务上的困难

high-income families 高收入家庭

involve high costs 涉及到很高的费用，涉及到高昂的费用

live in poverty 生活在贫困当中

low-income families 低收入家庭

luxury items 奢侈品

only has limited funds 只拥有有限的资金

reduce costs 减少费用，减少开支

Some courses, such as medicine and engineering, involve high costs.

the gap between rich and poor 贫富差距

wealthy people 富有的人们