@ENGLISH_KINGDOM❤ |General English| |Spending Money| |Vocabulary|

Verbs

 Raise - коштувати
 Investe - позичати у когось
 Borrow - позичати комусь
 Lend - заробляти
 Owe - брати плату за щось
 Charge - не можу дозволити щось собі
 Cost - успадковувати
 Earn - відкладати кошти
 Inherit - витрачати кошти марно
 Can`t afford - вартувати
 Be worth - інвестувати
 Save - збирати кошти на щось(благодійність)
 Waste - бути винним комусь
 Expensive - дорогий
 Cheap - дешевий

Nouns

 Debt - позика
 Loan - борг
 Contactless payment - бюджет
 Bill - іпотека
 Mortgage - рахунок
 Budget - безконтактна оплата
 Salary - страховка
 Insurance - податок
 Tax - зарплата

1. Ти відкладав коли-небуть кошти на щось?

2. Скільки ти заробляєш за місяць?
3. Скільки грошей вона взяла з тебе за зачіску?
4. Я не можу собі дозволити ці морепродукти, мідії та молюски дуже дорогі
5. Я просто марно витратив гроші на цей автомобіль, тепер я винен тобі 100 доларів за позику.
6. У моїй країні великі податки і дорога страховка
7. Моя зарплата 200 доларів за тиждень
8. Я маю великий борг і не знаю як жити далі
9. Мій бюджет залежить від того скільки грошей я відкладу коли отримаю зарплату
10. Я успадкував машину і хату від батьків

Phrasel verbs
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@ENGLISH_KINGDOM❤ |General English| |Spending Money| |Vocabulary|

 Live on - жити за свій рахунок

 Live off - знімати кошти
 Take out - віддавати борг
 Pay back - жити за чийсь рахунок

Prepositions

 Pay by (cash/card) - платити чимось( картою\грошима)

 Pay for
 Spend on
 Invested in
 Lend to
 Borrow from
 Charge for
 Get into debt
- платити за щось
- витрасати на
- інвестувати у
- позичати комусь
- позичати у когось
- брати гроши за щось
- влазити у борг

1. Я живу за рахунок своїх батьків

2. Я інвестувала кошти у бізнес
3. Зазвичай я плачу карткою
4. Я витратила всі свої кошти на телефон
5. Я позилила 10 доларів у своєї подруги
6. Вона заплатила за вино, а я заплатила за суши
7. Моя подруга влізла в борги і я позичила їй 400 доларів
8. Я зняла 10 доларів і заплатила за рози
9. Я віддала борг своїй подрузі вчора
10. Моя тітка бере 12 доларів за манікюр

Listening

2.12 (script in Student’s Book on pp.125–126)

P = presenter, H = Heather, C = Carl, Pa = Paul

P Hello, and welcome to Five-Minute Money. Today we’re talking about scams and scammers. Over three million
people a year are victims of scams in the UK, and they lose an average of one thousand two hundred pounds each,
so we all need to know what to look out for. We’re going to hear three listeners’ stories, and for each scam, we’ll
explain how to stay safe. Our first story is from Heather in Edinburgh.

H A few months ago I got an email from a friend who was away in Berlin. He said he’d lost his wallet and needed
money to get home. He asked me for my credit card details, and I thought, ‘Well, he needs my help,’ so I sent him a
reply with my card number and everything. But there was no reply, and I got suspicious, and I checked my credit
card, and somebody had stolen over two thousand pounds. And of course I never got it back.

P Ah, the friend abroad who needs help. But it isn’t really a friend: it’s a scammer who is using this friend’s email
account. Often this scam is obvious, either because you know your friend isn’t abroad, or because the email has
grammar and spelling mistakes. So always be suspicious of any strange emails from friends. The next story is from
Carl in Hastings.

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C I got an email saying that I’d won quite a lot of money in the lottery in Spain. It looked official, and some of it was
in Spanish, and last year I was on a holiday in Spain and I did buy a lottery ticket, so I believed it. So I emailed back
and they replied and said the easiest thing was for me to send them my bank account details, and they’d pay the
money direct into my bank. So I did – and I feel so stupid saying this now – and of course the next day my account
was completely empty. Luckily, it was the day before pay day, and I only had about two hundred pounds in there.
But I learned my lesson.

P Yes, so again, never believe an email or message saying you’ve won a lottery, especially if you never bought a
ticket. Our last story is from Paul in Bristol.

Pa I’d just got back from work, it was about six o’clock, and the phone rang and a very polite woman said it was
Barclay’s Bank Security Division, and that there was a problem with my account. She said that somebody had tried to
use my password online, and that my account wasn’t safe. I was in the middle of buying a flat, and I thought, ‘Oh no!
This sounds bad!’ because I had quite a lot of money in the account. She said the best solution was to transfer all the
money into a new account to make sure it was safe. So she gave me an account number and an account name – it
was my name; it was called ‘Paul Kay new account’ – and I thanked her. And immediately after the call, I went online
and transferred all my money to this new account. And that was the last time I saw it. It was a real disaster: I lost
twenty thousand pounds and I couldn’t buy my flat.

P It’s natural to co-operate if you think your bank is phoning you, but your bank will never ask you on the phone to
transfer money to another account. If you get suspicious, just hang up, wait ten minutes, then phone your bank to
check if it really was them. So, what’s the most important thing to remember if you don’t want to be the victim of a
scam? Be very suspicious of strange emails from friends or from someone saying that you’ve won a prize, and the
same for phone calls from your bank. And above all, never, never give your bank account or credit card details to
anybody, either in an email or on the phone, unless you are one hundred per cent sure who they really are.

Heather lost over ______.

Carl lost about _____.

Paul lost _____.

Never give your bank _____ or credit ____ details to __body, either in __ email or on the phone.

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@ENGLISH_KINGDOM❤ |General English| |Spending Money| |Vocabulary|

1 email 2 wallet 3 credit card 4 money 5 believed 6 bank account 7 phone call 8 bank 9 account 10 new account

Heather lost over £2,000. Carl lost about £200. Paul lost £20,000. Never give your bank account or credit card details
to anybody, either in an email or on the phone.

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