Spendthrift - someone who spends money carelessly, even when they do not have a lot of it.
I am not a big spendthrift.
Major- someone studying a particular subject as their main subject at college or university:
She's a history major.
Dilemma- a situation in which it is very difficult to decide what to do, because all the choices seem equally good or equally bad:
Many women are faced with the dilemma of choosing between work and family commitments.
Budget-The plan of what you earn and what you spend or the money that is available to an organization or person, or a plan of how it will be spent.
The budget for photography has been cut.
Expenditure- the total amount of money that a government, organization, or person spends during a particular period of time [↪ income]
Expenditure on: expenditure on research and development huge cuts in public expenditure (=the amount of money a government spends on services for the public)
Government expenditure on education
Capital expenditure (=spending by a company on buildings, machinery, equipment etc)
Expenditure of an expenditure of £1 million
Cut down-reduce: We must cut down expenses on our drinks.
Doctor told him to cut down on his smoking
Groceries - food. How much money do you spend on groceries per week?
Varies - changes. It varies from one week to the next. My expenditure varies from one month to the next.
Specials - reduced offers (акции в магазине). They have got good prices and specials
Roommates - friends who share a flat. I have got two roommates.
Shut up- stop talking. Would you mind shutting up, please?
Make matters worse - в довершении: The guy keeps asking her questions and then, to make matters worse, he returns to her and offer her to play a game.
Get the message-дать понять make smb understand. She closed her eyes to go to sleep, hoping he’ll get the message.
Couldn’t care less - наплевать, безразлично to be indifferent. Even though she couldn’t care less, he told her the rules.
Comes to the conclusion-прийти к заключению: he analyzed the situation and came to the conclusion that…
All keen - весь во внимании to be very interested in smth. The man was all keen.
A piece of cake - легкое задание. He thought this was to be a piece of cake for him.
Weeping-хныкать, плакать. Weeping she walked home.
Flabbergasted [ˈflæbəgɑːstɪd]- изумленныйThe man was completely flabbergasted.
Put me out of my misery - to end a suspenseful situation for someone. положи конец моим страданиям (сжалься надо мною). Please, put me out of my misery.
Penny - pincher - someone who doesn’t like to spend money at all.
On the right track – doing something well.
Daredevil – someone who takes a lot of chances and risks
Deprive - лишать
Raffle-little lottery
Tempted by - attracted to (even though you know you shouldn’t)
Can’t be bothered to – don’t want to because you haven’t got the energy.
Statements – financial records
Amid the clutter – in the middle of the mess
Wardrobe – place where you keep clothes.
Keep track of – look carefully so you can remember the details
Extravagant [ɪksˈtrævɪgənt]-unnecessarily expensive
Manageable- that you can afford
Ex.1 Translate
1. I am not a big spendthrift.
2. an expenditure of £1 million
3. We must cut down expenses on our drinks.
4 She's a history major.
5. Many women are faced with the dilemma of choosing between work and family commitments.
6. He fell down off the bike and then, to make matter worse the bike fell down on him.
7. She closed her eyes to go to sleep, hoping he’ll get the message.
8. Even though she couldn’t care less, he told her the rules.
9. How much money do you spend on groceries per week?
10. It varies from one week to the next.
11. He analyzed the situation and came to the conclusion that…
12. The man was all keen.
13. He thought this was to be a piece of cake for him.
14. While walking home, she was weeping.
15. The man was completely flabbergasted.
16. Please, put me out of my misery.
17. You don’t even consider saving money. Instead, you buy something extravagant.
18. You save a manageable amount of money every month.
19. Your wardrobe is full of clothes you’ve hardly ever worn.
20. You buy what you need; you aren’t often temped by what you don’t need.
21. You can’t be bothered to look at records of what you spend and don’t spend.
22. You check all your account statements.
23. Sometimes you can’t even find your bills amid the clutter on your desk.
24. She repeatedly gives away large amount of money especially for social events and raffles.
Ex.2. Change using phrase and the words of a lesson
1. Mike is a person who spends a lot of money on nothing.
2. What are your month expenses?
3. They should reduce expenses on smoking.
4. She's a history student.
5. Many women are faced with the problem of choosing between work and family commitments.
6. He fell down off the bike and then, what was worse the bike fell down on him.
7. She closed her eyes to go to sleep, hoping he’ll understand.
8. Even though she didn’t care, he told her the rules.
9. How much money do you spend on food per week?
10. It changes from one week to the next.
11. He analyzed the situation and made up his mind that…
12. The man was very interested.
13. He thought this was to be a very easy task for him.
14. While crying she walked home.
15. The man was completely amazed.
16. Please, help me.
17. You don’t even consider saving money. Instead, you buy something unnecessarily expensive.
18. You save can afford amount of money every month.
19. Your place where you keep clothes is full of clothes you’ve hardly ever worn.
20. You buy what you need; you aren’t often attracted to what you don’t need.
21. You don’t want to because you haven’t got the energy to look at records of what you spend and don’t spend.
22. You check all your account financial records.
23. Sometimes you can’t even find your bills in the middle of the mess on your desk.
24. She repeatedly gives away large amount of money especially for social events and little lotteries.
Ex.3 Translate russian word
1. I am not a big расточителем.
2. What are затраты?
3. We must урезать expenses on our drinks.
4. She's a history студент.
5. Many women are faced with the проблема of choosing between work and family commitments.
6. He fell down off the bike and then, в довершении the bike fell down on him.
7. She closed her eyes to go to sleep, hoping he’ll поймет.
8. Even though she безразлична, he told her the rules.
9. How much money do you spend on еду per week?
10. It варьируется from one week to the next.
11. He analyzed the situation and пришел к заключению that…
12. The man was очень заинтересован.
13. He thought this was to be a легкое задание for him.
14. While хныкала she walked home.
15. The man was completely изумленный.
16. Please, помоги мне.
17. You don’t even consider saving money. Instead, you buy something экстравагантное.
18. You save a контролируемую amount of money every month.
19. Your шкаф is full of clothes you’ve hardly ever worn.
20. You buy what you need; you aren’t often соблазняетесь what you don’t need.
21. You не беспокоитесь look at records of what you spend and don’t spend.
22. You check all your account выписки счета.
23. Sometimes you can’t even find your bills среди беспорядка on your desk.
24. She repeatedly gives away large amount of money especially for social events and лоттореи.
Ex.4 Translate into Russian.
1. Я не являюсь большим расточителем. 2.расходы в размере £ 1 млн. 3. Мы должны сократить расходы на наши напитки. 4. Она студентка исторического факультета. 5. Многие женщины сталкиваются с проблемой выбора между работой и семейными обязанностями. 6. Он упал с мотоцикла, а затем, в довершении велосипед упал на него сверху. 7. Она закрыла глаза, чтобы заснуть, надеясь, что он поймет. 8. Хотя ей было и безразлично, он рассказал ей правила. 9. Сколько денег вы тратите на продукты в неделю? 10. Это на каждой неделе по-разному. 11. Он проанализировал ситуацию и пришел к выводу, что ... 12. Этот человек был очень заинтересован. 13. Он думал, что это должно быть легкое задание для него. 14. Плача, она шла домой. 15. Человек был полностью поражен. 16. Пожалуйста, помогите мне. 17. Вы даже не беспокоитесь об экономии денег. Вместо этого, вы покупаете что-то экстравагантное. 18. Вы экономите контролируемую сумму денег каждый месяц. 19. В вашем гардеробе полно одежды, которую вы почти никогда не носили. 20. Вы купите то, что вам нужно, вы не часто соблазняетесь тем, в чем вы не нуждаетесь. 21. Вы не беспокоите себя тем, чтобы посмотреть на записи, которые вы тратите и не тратить. 22. Вы проверьте все свои выписки счета. 23. Иногда вы не можете даже найти счета среди беспорядка на рабочем столе. 24. Она неоднократно тратит большую сумму денег, особенно для общественных мероприятий и лотерей.
SUZANNE: Hello Don. Pm Suzanne Moore, your financial advisor.
How may I help you, Don?
DON: I guess I just need some general help with money. My biggest problem is that I never seem to have any. I just don’t know where it goes. I’m not a big spendthrift, but I just can’t seem to make ends meet.
SUZANNE: I see. I’m sure I can help you with that. Now, tell me Don - do you have a job at all?
DON: Yeah - well, I’m an English Lit major so I have a lot of work, but I work every afternoon at Pauline’s Pizza. I don’t think it’s enough, but if I, if I work anymore I won’t have time to study.
SUZANNE: Hmm - that’s a dilemma, isn’t it? Here’s the first thing you need to do. You’re going to have to make a budget so that you can control your finances better.
DON: What do you mean?
SUZANNE: It’s easy - just take a piece of paper and write down everything you spend money on - food, rent, books, going out, music, whatever you spend your money on - your expenditure. And then on the other side, you write down what you could change and cut down on to save money.
DON: OK -I think I can do that. It sounds like a good idea.
SUZANNE: OK. Let’s try it. How much money do you spend on groceries per week?
DON: Hmm. It varies from one week to the next, but I’d guess about $ 100.
SUZANNE: OK, that seems like rather a lot.
DON: Well, I usually go to the local store about four times a week and spend about $25.
SUZANNE: There’s your first problem. Try to go to markets - they often have good prices and specials, Perhaps you could go just once a week to a market. You should be able to cut your food bills in half.
DON: Sounds like a good idea.
SUZANNE: What about rent? How much do you spend on rent?
DON: $500. I share a place with two other people. It’s a cool place
- We each have our own rooms and we have a nice common area and a great kitchen,
SUZANNE: Hmm, You could find something cheaper, but it might not be as nice. You’ll have to think about that.
DON: OK. I think I don’t want to do that.
SUZANNE: What about going out and entertainment?
DON: Well, I buy a couple of CDs every week.
SUZANNE: You could cut back to one.
DON: I go to the movies once a week.
SUZANNE: Make it once every two weeks. What about eating out?
DON: I eat in the school cafeteria most days.
SUZANNE: Why not make your own food instead? Make yourself a sandwich at home. It’s much cheaper - and tries to share the expenses with your roommates.
DON: They cook worse than I do, but I guess we could all work on it.
SUZANNE: See. These are just a few tips to help you save a little money.
DON: Yeah, thanks, Suzanne. I may even be able to make a little investment for my future.
SUZANNE: That’s a good idea - you’re never too young to start thinking about an investment. Perhaps we can talk about that sometime soon ...