Everybody in this world is different from one another．But do you know that understanding differences can help you better manage your money？

As we grow up，we gradually develop a set of our own values or beliefs．These are influenced by society，our family，the education we receive and so on．Once this value system is set up，it's not easy to change later in life．

Financial experts say that everyone also has their own belief of how to manage their finances．This is part of our value system and it has a great impact on the way we look after our money．

According to our different values，experts put us in three categories．They are：the ant，the cricket and the snail．

The ant-works first

Just like ants who work heart and soul in summer in order to store food for winter，these people don't care about enjoying the moment．They work very hard and save money they earn so that they can enjoy life when they get old and retire．The ant loves to save but they could make more out of their money if they were willing to invest in some funds and stocks with low risk．

The cricket-fun first

The cricket wants to enjoy everything now and doesn't think too much about the future．They even borrow money when they really want something．Many young people now belong to this group．These people have little savings．When they get old，they might have problems．They should learn to save and buy insurance．

The snail-lives under pressure

The snail refers to people who make life difficult for themselves．They take big long-term loans from the bank in order to buy things such as luxury houses．They are happy to take big loans even though they are not sure whether they can afford it．This can cause problems in the future．They should plan more carefully．

1.People with the character of the snail would like to __________．

A．enjoy life at the moment without thinking much about the future

B．put work before everything else

C．live a luxury life at all costs

D．take the risk of investing a large sum of money

2.Our beliefs and values are affected by the following except __________．

A．society B．our family C．education D．money

3.This passage mainly talks about __________．

A．the spending nature of people

B．the relation between man and insects

C．the insects in nature

D．the problems with dealing with money

4.Which of the following has the character that the author prefers？

A．The ant B．The cricket

C．The snail D．None of the above

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