Must or Must Not &
Have To or Don't Have To

Answers

Do you wish you could save a little more money and spend a little less?  You don’t have to be a genius to save money, but here are some tips you can use that will fatten your wallet.  Experts agree that you must not use your credit card.  You must learn to cook.  Going out to eat every night is expensive.  You don’t have to stop eating out completely, but you must not use your credit card to eat out.  You don’t have to drive your car everywhere.  Walking is good exercise and it saves money.  You don’t have to set aside a lot of money, but you have to save some.  Even a little bit of money is better than nothing in your savings account.  Finally, another thing you must do is keep track of your spending.  Five dollars a day for coffee adds up.  Although you don’t have to, it is recommended that you shop for sales, use coupons, and don’t buy products on a whim.  You don’t have to be in a pinch for cash forever!

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