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Exercise 1
Vocabulary
Direction: Listen and repeat after your tutor.
Budget
UK/US: /ˈbʌdʒ.ɪt/
Meaning:
An estimate of income and spending for a specific time.
- She made a budget to manage her expenses more effectively.
Investment
UK/US: /ɪnˈvest.mənt/
Meaning:
The act of putting money into something to make a profit.
- His investments in the stock market have grown significantly.
Savings
UK/US: /ˈseɪ.vɪŋz/
Meaning:
Money that you put aside instead of spending.
- She regularly puts money into her savings account.
Expenditure
UK/US: /ɪkˈspen.dɪ.tʃər/
Meaning:
The act of spending money.
- Keeping track of your expenditure is crucial for financial health.
Exercise 2
Role Play
Direction:
1. Your tutor would play the dailogue. Listen carefully.
2. After listening, Read the conversation aloud.
3. Role-play the conversation with your tutor.
Situation: Tania and Marcus are discussing their financial plans and money management.
Tania
Hey Marcus! Do you have a budget for your monthly expenses?
Marcus
Hi Tania! Yes, I started budgeting last year—it really helps me manage money better.
Tania
Smart move! I’m thinking about starting an investment plan.
Marcus
That’s a great idea. What kind of investments are you considering?
Tania
I’m looking into stocks. I want my savings to work for me.
Marcus
Definitely. And keeping track of your spending is just as important.
Tania
Absolutely, I monitor my expenses every month to stay on top of things.
Marcus
Same here! It’s way too easy to overspend without a close eye.
QUESTION
1. What financial tool does Marcus use to manage his money better?
2. What type of investment is Tania considering?
3. Why is it important to keep track of expenditure?
Exercise 3
Let's Practice
Direction: Complete the exercise.
Play sound when student answers correctly.
Play sound when the answer is incorrect.
Example:
She made a __________ to manage her expenses more effectively.
A. budgets
B. budget
(Answer: budget)
1. His __________ in the stock market have grown significantly.
(A) budgets
(B) investments
2. She regularly puts money into her __________ account.
(A) expenditure
(B) savings
3. Keeping track of your __________ is crucial for financial health.
(A) budget
(B) expenditure
4. I try to balance my __________ with my savings goals.
(A) investments
(B) expenditure
ODERING
Put the words in the correct oder
1. money into puts She savings regularly her
→ ________________________________________
2. better my me manage money helps It
→ ________________________________________
3. important track is your of expenditure Keeping
→ ________________________________________
4. plan thinking starting I’m about an investment
→ ________________________________________
5. grow savings your way good a is Investing
→ ________________________________________
Exercise 4
Your Turn To Ask
Ask your tutor these questions
1. Do you keep a personal budget?
2. Have you ever made an investment?
3. How do you manage your monthly expenses?
4. What do you think about saving vs. spending?
Exercise 5
Your Turn to Answer
Talk about yourself using the expressions you have learned in this lesson.
1. Do you keep a budget? Why or why not?
2. How do you track your monthly expenses?
3. What are some effective ways to save money?
4. Have you ever made an investment? What was it?
5. How important is it to save for the future?
6. What types of investments are you interested in?
7. How do you decide what to spend your money on?
8. Do you think it’s important to have an emergency fund? Why?
9. How do you balance spending and saving?
10. What financial goals do you have?
11. How do you feel about taking financial risks?
12. Have you ever regretted a financial decision? Why?
13. Do you think financial literacy should be taught in schools? Why?
14. How do you plan for large expenses, like vacations or buying a car?
15. What advice would you give to someone who wants to start saving money?