W: To be honest, I always seem to run out of money toward the end of the year.
M: Well, you should follow a month-by-month plan.
M: I am really having trouble with money lately.
W: Have you thought about the Financial Aid Office? A lot of students go there when they are in financial trouble.
M: Emi, I am sorry to say that I can’t make ends meet this month.
W: I don’t think it would be a problem if you cut down on the discs you buy.
W: My goodness! It is only 15th, but I have almost spent all my monthly income.
M: You should start living within your means.
W: Eric, you said you’ve buy a new suit. Have you saved enough money for it?
M: Well, to tell you the truth my finances are really tight right now.
1. what does the man mean? [d. the woman should have a monthly spending plan.]
2. what can we learn about the Financial Aid Office? [c. it might help to solve the man’s problem.]
3. what does the woman imply? [a. the man should stop spending too much money on discs.]
4. what does the man mean? [d. he thinks the woman should not spend more than she earns.]
5. what does the man mean? [ d. He has given up the idea of buying a new suit at present.]
Exercise 2 1) weekly 2) fixed 3) fair 4) teenager 5) discs 6) an excellent way to teach their children the value of money 7) they learn to budget their expense 8) they will have no money to spend by the end of the week.
Part B Conversation 1 Saving and spending money Interviewer: Hi, Rob, do you try to have money? Rob: Sure. I am a student. I have to save money. Interviewer: Well, how do you save money? Rob: Well, I try not to shop in department stores or malls except when things are on sale. I never pay full price. And I really like shopping in outdoor markets—you can usually find some real bargains there. Interviewer: How about you, Kathy? Do you try to save money? Kathy: Of course. See, I am not interested in having the very latest or the most fashionable things. I sometimes buy clothes at a thrift store. But, well, I think I still look pretty good, don’t I ?
Interviewer: Oh, yes, you look very good actually.
Kathy: Interviewer: Cliff: Interviewer: Cliff:
Thanks. I bought my shoes in regular store, but they were on sale. Oh, well, thank you very much Kathy. And you, Cliff? You try to save money too, don’t you? Oh, sure. And the best way to do that is not to pay people to fix things for you. What do you mean? Well, I try to fix things for myself, like fix my car or…or repair things around the house. I like to get things done by myself. Last year I spent all my after-work hours doing plumbing work. I even installed a bar counter in our basement. Interviewer: Great! Cliff: And before I go grocery shopping, I cut coupons out of the newspaper. That way, I can save a lot of money on food and, you know, household things. I also look for things that are on sale. You can save a lot of money that way, too. Interviewer: Well, thanks a lot, Cliff.
Exercise 1: P.34
1. what seems to be the main topic of the conversation? [c. ways to save small amounts of money on a daily basis.]
2. what is true about Kathy? [b. she knows how to make herself look good with less money.]
3. what do you know about Cliff? [c. he enjoys fixing things around the house after work]
4. what can you learn from the conversion. [b. buying things on sale is what all three do to save money]
Exercise 2: Rob: 1) department stores, malls 2) outdoor markets Kathy: 1) thrift store 2) things are on sale Cliff: 1) fix things for himself 2) coupons 3) that are on sale
Conversation 2 Sounds like you have a budget problem
Tim: Hi, Carina. You look upset. What is up?
Carina: Well, I am trying to figure out where all my money has gone.
Tim: You’ve lost your money? Was there a burglary at your place?
Carina: No, no. I seem to have spent all my allowance for this month. Now I don’t even have money to go out and eat.
Tim: Hey, I thought you had a good part-time job at the mall.
Carina: I do. I work about twenty hours a week, and the pay’s not bad, nine dollars and fifty cents an hour.
Tim: Really? So that’s, what, a hundred and ninety dollars a week…times four weeks…so that’s seven hundred and sixty dollars a month. Hey, that’s not a bad income for a student!
Carina: I know. And my parents send me two hundred and fifty dollars a month, too. But…
Tim: Wow, that’s more than one thousand dollars a month. And you can’t live on that?
Carina: No, I only manage to save about ten dollars a month. It is a drag!
Tim: It sounds like you have a budget problem. Simple, either work more or spend less.
Carina: I am definitely not going to work more. I will have no time to study.
Tim: So you had better start spending less. Why don’t you make a monthly budget?
Carina: A budget? Hmm, maybe…hey, Tim, you majored in economics, right?
Tim: Uh, yeah, why?
Carina: Well, you are the best person to help me make a budget!
Exercise 1: P.35.
1. why does Carina look upset? [a. she is short of money.]
2. how many dollars altogether does Carina get every month from her part time job? [c. 760 dollars]
3. what do you know about Tim? [d. he is working in the loan section of a bank]
4. what do you know about Carina? [b. she has a poor head for economics]
Exercise 2: 1.all her allowance for this month 2.go out and eat 3.send her a fixed sum of money regularly 4.work more, study 5.never made a monthly budget