Какая разница между глаголами say и tell при составлении предложений в косвенной речи?

Say - что-то скать
tell - что-то рассказать.
в моём понимании это так.
I don't want to say I love you
I have a secret I need to tell you.
Надеюсь хоть немного.

1) the budget is drawn up for a certain period of time. Depending on the goals, we can draw up a budget for a variety of periods (week, month, quarter, half year, year, several years).

2) If you do not control your money, then money controls you. How? Like this:

Didn't keep track of expenses and income

↓

Formulated inappropriate budget

↓

Not enough money for groceries

↓

Get out of your savings

↓

You can't save up, take a loan

↓

Not enough money, quit saving to pay off the loan

↓

No savings, in an emergency you need a loan again

3) When a person accustomed to poverty unexpectedly receives a large sum of money, he immediately begins to throw it right and left. According to statistics, the average time for which ALL winners of large sums in the lottery go broke is three years. And one of the main reasons why this happens is that they do not have a habit of saving.

4) personally, I spend money when necessary, and in extreme cases I spend on myself if there is enough money to take what you want or would like.

5) Yes, in order to leave money for a very difficult time, for example, during quarantine, many people are left without work, money, borrow money, knowing that they are deprived of work and not knowing where to get money to give it back.

6) family, clothing, food, entertainment (as a last resort, if possible), etc.

1. What do you read every morning? My school books.
2. Where do you usually read books and newspapers? In the library.
3. Where do you go every day? To school.
4. Do you often meet your friends? Once a week.
5. Do they sometimes take your books? Yes, I do.
6. Do you read English books or newspapers? Yes, I do.
7. What do you often copy out? Nexts for my homework.
8. Do you read the newspaper every day? No, I don't.
9. Are you reading the newspaper now? No, I'm not.
10. What are you doing now? My homework.
11. What do you do every evening? I clean my teeth.
12. Where do you go every morning? Nowhere.
13. Do you copy out English texts at home? Yes, I do.
14. Is your friend copying out the new text? No, he isn't.
15. What’s he doing? I don't know.