Passage2: Newwords: self-esteemn.自尊（心） Listentoashortpassagethreetimes.Whenthepassageisreadforthefirsttime,listenforitsgeneralidea.Whenthepassageisreadforthesecondtime,fillintheblankswiththeexactwordsyouhear.Whenthepassageisreadforthethirdtime,checkwhatyouhavewritten. Inaperfectworld,weshouldallavoidtoomuchcreditcarddebtandwouldneverhavetodealwiththetroubleofbeingunabletomeetourcreditcardpaymentobligations.Butthisisnotaperfectworld,andunfortunately,these1)_____________situationsarethenormformanypeople. Ifyoufindyourselfinthisposition,orheadingthere,youshouldcutyourspendingnow.Don'twaituntilyoursituationisso2)____________thatyouhavefewoptionsavailabletoyou. Facingthefactorsthatgiveyouthe3)___________tospendmoneycarelesslycanbeuncomfortable,butifyoudon'tfacethem,howwillyoucontrolyourdebtand4)__________thethingsyoutrulywant? Onenegativeaspectofusingcreditcardsinsteadofcashisthatyou5)___________thefactthatyou'respendingrealmoney.Thepleasantfeelingsyouexperiencewhenyoupurchasetheitem6)_____________theunpleasantfeelingsofmakingthepaymentwhenyougetthecreditcardstatement. Studies7)______________thatmostpeoplearemuchlesslikelytobuywhenpayingwithcashasopposedtocreditcards.So,tryleavingyourcreditcardsathome,andpaywithcashorcheck. Toreallycontrolyourspendingandyourcreditcarddebt,youneedtoexaminewhatmoneymeanstoyou.Makeaneffortnoticehowyou8)____________moneyandwhatbeliefsandattitudesyouhaveaboutmoney.Studiesalsoshowthatpeoplewithlowself-esteemengagethemselvesinmore9)____________spendingandbuyingthingstheydon'tneed. Remindyourselfdailythatyourworthasapersonhasnothingtodowithhowmuchmoneyyouhave.Onceyou10)_____________this,youwillbreakthepsychologicalbarriersthatwerekeepingyoufromhandlingyourmoneywisely.