Money problem. Lesson one

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I just need some general help with money

Этот урок включает новые слова, тренировку новой лексики, прослушивание текста (диалога), работа после аудирования

 

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.

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.


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…


Ex.3 Переведите слова
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…


1 Listen to Track 1. Circle the best answer.

 

 <iframe width="640" height="360" src="//www.youtube.com/embed/fItDTCkKUcU?feature=player_detailpage" frameborder="0" allowfullscreen></iframe> 

SUZANNE: Hello Don. I’m 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.

 

Don wants to:
a ... learn how to invest money,

b ... talk about how to pay his debts,

с ... find out how to make more money,

d ... manage his money better.
have a commitment to providing independent I financial advice for people who are looking to invest money, buy a house, talk about how to pay off difficult debts, prepare for retirement or just simply for those who want to understand money better and make it work for them. I’ve been a personal financial advisor for ten years and I listen carefully to you and your financial needs and goals.

 

Keys

1
The answer is d.
2
a $100 b markets с the local store d once e $500
f a couple of CDs g once every two weeks h school cafeteria
3
a    spendthrift
b    major
с    dilemma
d    budget
e    expenditure
f    cut down
g    groceries
h    varies
i    specials
j    roommates
4
a spendthrift = someone who spends money carelessly
b major = student
с dilemma = difficult problem
d budget = plan of what you earn and what you save
e expenditure = what you spend
f cut down = reduce g groceries = food
h varies = changes
i specials = reduced offers
j roommates = friends who share a flat
5
prudent, down-to-earth


Listen to Track 2 and complete the advisor’s notes.


<iframe width="640" height="360" src="//www.youtube.com/embed/vaFSg1eiOq8?feature=player_detailpage" frameborder="0" allowfullscreen></iframe>

Track 2
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 coo) place we each have our own rooms and we have a nice common area and a great kitchen,
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 try 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 ...

 

Suzanne Moore - Independent Financial Advice
Spends now   
Spends (a) $..........per week on food.
Goes to (c).......... four times a week.
Spends (e)..........on rent.
Buys (f)..........a week.
Goes to the movies once a week.
Eats in the (h)..........     

 

Ways to save

 Shop at (b)..........,
Go (d) ..........a week.
Maybe find somewhere cheaper.
Only buy one.
Go (g)..........   
Make a sandwich at home.

 
Listen to Tracks 1 and 2 again. Complete these sentences with the words you hear.

 

a I m not a big......., but I just can’t seem to make ends meet.
b I’m an English Lit.........., so I have a lot of work.
с Hmm. That’s a..........isn’t it?
d You’re going to have to make a.......... .   
e .......... whatever you spend your money on - your    
f And then on the other side, you write down what you could change and
.......... on to save money.
g How much money do you spend on..........per week?
h It.......... from one week to the next, but I'd guess about $100.
i They often have good prices and.......... .    
j ............ and try to share the expenses with your.......... .

 

Ex. 4 What do these words and expressions you found to complete the sentences in Activity 3 mean? Write your answers below.
a.............................................................               
b..............................................................                  
с...............................................................               
d...............................................................                                       
e...............................................................           
f..................................................................       
g................................................................           
h...............................................................       

 

5    How would you qualify Suzanne Moore’s advice? Choose two out of these five words.
prudent
original
rash
down-to-earth
careless 

Использованные материалы: Listening and speaking, Jeremy Harmer Et Carol Lethaby 73 Marshall Cavendish,Education, ®2005 Marshall Cavendish Ltd First published 200Б by Marshall Cavendish Ltd

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