1. Complete the sentences with the correct prepositions.

a) We’re spending a lot more money for food than we used to.
b) We can always borrow some money from the bank.
c) Don't waste your money at such purchases.
d) Banks are willing to lend large amounts of money to people starting up
businesses.
e) I’m going to invest my savings deep this project.
f) How can I cut down expense clothing costs?
2. Where does your money normally go? Discuss which of these things you
spend the most money on.
• ordering takeout • transportation
• paying utility bills • clothes
• going out with friends • holidays (because I ofthen go on vacation, for
example, visit tourist attractions, or
• grocery shopping
participate in recreational activities that
require expenses such as entrance fees,
accommodation, or special activities.)
• renting a room or a flat

3. Match words and phrases in bold to the correct meanings below.

1) I feel that I sometimes overspend on
a. coffee. (coffee)
b. eating out.
c. entertainment.
2) When I do the shopping,
a. I have a list of items I need. (I have a list of items
I need)
b. I remember what I should buy.
c. I think while I’m in the shop what I want to buy.
3) When I buy online,
a. I spend time looking for the best deals. (I spend time looking for the best deals)
b. I only buy in the one shop I know and trust.
c. I buy many more items than I want.
4) To keep myself on budget,
a. I write down all of my purchases. (I write down all of my purchases)
b. I cut down on some expenses at the end of the month.
c. I use cash instead of a credit card
5) You want to save some money. You know that you waste too much money on gas
driving to work. The most cost-effective means of transport would be a bike. What
do you do?
a. I bike to work.
b. I save on other things because I love driving. (I save on other things because I love driving)
c. I find a colleague to drive with and share gas costs.
6) You are going to buy some groceries, but enter a clothes shop and see an amazing
pair of jeans for $100. What do you do?
a. I buy them on impulse.
b. I have so many pairs of jeans, so I don’t buy them. (I have so many pairs of jeans, so I don’t
buy them)
c. I take a photo and wait until the sale season.
7) You want to go to your friend’s house by Uber. If you take Uber now, you’ll be
charged more, but if you wait some time the price might be lower. What do you
do?
a. I go now because I don’t want to wait.
b. I wait a couple of minutes to spend less money. (I wait a couple of minutes to spend less
money)
c. I decide to use public transport and arrive a bit later.
8) What trade-off would you accept if you wanted to save money for holidays?
a. Not ordering takeout for one year
b. Cycling instead of driving to work for half a year
c. Partying at home instead of going out for a half a year. (Partying at home instead of going
out for a half a year)

MEANINGS:
 it means that something is good value for the amount of money paid
 a compromise
 to ask an amount of money for something
 an individual thing
 to spend more money than you should or more than you wanted to
 because you suddenly want to, although you haven't planned to
 to spend only as much money as you have
 a good, or lower than usual, price
 a cost
4. Now, do the quiz and explain your answers.
What might the results of the quiz say about your spending habits?
1. Make a budget
2. Make a shopping list
3. Using discounts and offers
4. Avoid debt
5. Shop wisely
6. Set aside funds for future expenses
7. Evaluate needs and wants

5. Look at four images below. How can you save some money in these areas?

SHOPPING HOME TRANSPORTATION ENTERTAINMENT

Shopping
1. Make a shopping list and stick to it.
2. Search for discounts, coupons, and special offers when shopping.
3. Buy items in bulk when there is a special offer (origin as needed).
Home
1. Save energy by reducing electricity and water consumption.
2. Buying household items in bulk to reduce long-term costs.
3. Compare service provider rates such as internet, cable, or electricity to make sure you get the best.
Transportation
1. Use public transport, cycling, or walking if possible.
2. Drive fuel-efficiently and keep the vehicle well maintained.
Entertainment
1. Look for more affordable entertainment alternatives, such as free events or outdoor activities.
2. Make a budget specifically for entertainment and stick to that budget.

6. Watch an interactive video and answer the questions that will appear on
the screen.
7. Fill in the gaps with words from the box and discuss the sentences in pairs.

DISCOUNTS COST-EFFECTIVE BUDGET

IMPULSE CUT EXPENSES

 Buying things on impulse is something spenders often do.

 It’s important to save money on everyday cost-effective
 Look for ways to save on the things that are less important to you, to keep
yourself on budget
 When you go shopping always look for discounts but don’t buy things which
are not on your shopping list.
 The best way to save money is to write down how you spend your money in a month
and cut down on some big expenses.
 Public transport is not really a expenses method of transport if you have a
family.