I) These days most people consider it safer to keep money in a bank. II) Money becomes really important as soon as you begin to earn it. III) Then the technical terms you have heard in conversations at home begin to take on a new meaning. IV) You realise that if you don't control your expenditure and live within your income, you may get into debt. V) People who are careful with their money usually work out a budget for themselves in order to set aside sums for holidays and accumulate savings.