Here is the text with appropriate modifiers:

We spend money for (a) ______ reasons. In fact, spending is (b) _______ part of our life. Spending money makes us (c) ________ or unhappy. Spending money according to need is good. Necessary or (d) ________ spending beyond one's means has (e) ________ bad effects. It may lead to (f) ______ ruin. It may (g) _______ create unhappiness within families. (h) _________ people are never satisfied with what they have. They (i) _______ rush for brands. fashions, and designs, etc. (j) _______ it becomes an addiction which may eventually create psychological problems.

(a) different; (b) a; (c) happy; (d) unnecessary; (e) some ; (f) financial; (g) eventually; (h) Overspending/ Extravagant; (i) always; (j) Over a period of time; 

We spend money for (a)  different  reasons. In fact, spending is (b)  a part of our life. Spending money makes us (c)  happy or unhappy. Spending money according to need is good. Necessary or (d)  unnecessary spending beyond one's means has (e) some bad effects. It may lead to (f) financial ruin. It may (g) eventually  create unhappiness within families. (h)  Overspending/ Extravagant people are never satisfied with what they have. They (i) always rush for brands. fashions, and designs, etc. (j)  Over a period of time it becomes an addiction which may eventually create psychological problems.