[originaltext]M: Hi, Molly! What are you doing here?W: Hi, Jack. The usual thi

M: Hi, Molly! What are you doing here?
W: Hi, Jack. The usual thing, shopping. How about you?
M: No shopping for me, I’m just looking. It’s a long time until pay day and I have nothing left from my last salary.
W: Well, window shopping is OK, I guess. You know, you should really start to think more seriously about your money.
M: I know, I know. I try to save it, but I always spend it.
W: We should design a special spending plan for you. Every month you can spend some and save some. Then we can control when and how much you spend.
M: That sounds like a great idea, but I’ve already tried these types of plans. I can never stick to them.
W: Come on! You’ve got to try again. Can you believe that I used to be just like you? I spent everything I earned, I never saved anything! But now I have some monthly rules that I always stick to. For example, when I get paid I always take 30% of my salary and put it into another bank account, my savings account, so I will have no chance to spend it.
M: I never thought of that. I only have one account, I keep all of my money there, so it’s always available for me to spend.
W: Exactly, that’s the first thing we will change. Go to your bank when you get paid and open another account, it’s really easy. Let’s say that next month will be a new beginning for you, no more crazy spending, OK?
M: Yes, you are right. I always buy countless items that I don’t need and will never use. Maybe if the money isn’t available I wont be tempted to spend it. Thanks Molly! That was some great advice.