UNIT 5: Money

Spend, spend, spend

 Are you...?

A spender A saver
Question 1
At the supermarket, as you wander the aisles of the grocery store, you:
A. Are inspired by whatever you see. From one section to the next, your cart fills up
with whatever catches your eye.

B. Have a list of specific items. It’s based on the meals you’re planning to make and
built around whatever’s on special that week. You stick to your list without getting
too distracted.
Question 2
You get a text from Maria, a friend who lives more than 6 hours away. She wants to
get together for virtual cocktails next week and sends you a link to order a special
food and wine box. Without missing a beat, you:

A. Text her right back with 3 emojis: thumbs-up, wineglass, confetti, and click the
link to order. You can’t wait for next week!
B. Text back to say that you’d love to do a virtual get-together, but you’d rather wait
for her birthday or a special event before ordering the food and wine box. You’re
watching your spending.
Question 3
You go online to search for a sheet pan chicken recipe, but a few minutes later find
yourself on an online shoe store ogling a cute pair of boots. The regular price is
$250, but they’re on sale for $100. You:

A. Click the Order button, enter your credit card number and pat yourself on the
back for saving $150!
B. Are just about to buy but then stop and ask yourself if you really need that pair of
boots. You know how easy it is to justify “treating yourself now”—but regretting it
later.
Question 4

For you, saving means:

A. Having enough money in your account at the end of the month. You don’t need
to bother with a budget.

B. An automatic, regular habit. Saving gives you peace of mind. It allows you to
plan your purchases and have a cushion for unexpected expenses.
Question 5

It’s pay day. Your salary has just been deposited into your account. What’s the first
thought that comes to mind?

A. You go shopping and start planning your next vacation.

B. You check your balance and feel happy that it looks healthier than usual and
quickly calculate how long it’ll be before you add another zero to that number.
Question 6

Which of these statements are you most likely to agree with?

A. Hey, you only live once – let’s enjoy today; tomorrow will look after itself.
B. You never know – a rainy day might be around the corner and money is a good
buffer against most emergencies.
Question 7

Don’t look now, but if we ask you to tell us how much money is in your account at
this very minute, what will your response be?
A. Hey, pay day was a while ago and you have no clue.
B. You’re very likely to know to the last dirham.
Question 8

Your favorite uncle leaves you 1 billion VND in his will. What do you do?

A. Spend half for shopping: phone, laptop, car, etc. Another half will be use for
traveling around the world.
B. Put most of it on a bank account and invest the rest in business.
If you choose mostly A. You are a spender

If you choose mostly B. You are a saver

If you are balance between A and B. You manage your finance pretty well,
saving for short-term goals, investing for the future, while also enjoying the
good things in life.
You would rather spend by...?

Cash Credit card

You would rather borrow money with...?

Loan Mortgage
 Would you prefer...?

Wealthy but unhappy Broke but

happy
What is the difference between...?

Bill Tax
 Listen & Answer
Who is a spender and who is a saver?
James is spender, Sarah is a saver.

1. On sale
2. Save up
3. Get back
Practice
1. Credit card, cash 1. To
2. Save up, savings account 2. By
3. Bills 3. On
4. Loan, mortgage 4. For
5. Wealthy 5. Out
6. Taxes 6. From
7. Coins 7. On
8. Broke 8. Back
9. ATM 9. Into
Grammar
Zero and first condition
We use the zero conditional to talk about things that are
generally true, especially for laws and rules.

If you heat ice, it melts.

I often go out and do jogging, If I have free time.
If + simple present, simple present
Grammar
Zero and first condition
We use the first conditional when we talk about future
situations we believe are real or possible.

If it doesn't rain tomorrow, we'll go to the beach.

The Vietnamese football team will get to the final round if
they win Thailand tonight.
If + simple present, will + V0
Grammar
If not & unless
We can use unless instead of if not to talk about the
possibility.

If the company doesn't pay me more, I will leave the

job.
I will break up with him, unless he fixes his attitude.
Grammar
Future time clause
We use present tense to refer to an action or event in the
future. We use conjunction such as when, as soon as,
before, after, until,...

When I finish work, I'll call you.

We will go to the cinema after we have lunch.
I'll let you know as soon as I find the kid.
Practice 1. Prefer
1. Die, don't get 2. Have
2. Don't save, won't have 3. Have
3. Will get, starts 4. Don't have
4. Get, ask 5. Open
5. Will send, arrives 6. Will be
6. Won't play, improves 7. Want
7. Will be, wins 8. Go
8. Will make, finishes 9. Won't pay
10. Are
Practice
1. Start
2. Unless
3. Make
4. Will save
5. Pay
6. Go
7. Won't
8. Go
9. Pay
10. Don't
Unit 5: Money &
Shopping
Black Friday
Do you know about
"Black Friday"?

Find out who is?

Have negative opinion about it: Chris
Enjoy it: Andy
Hate it but always goes: Jen
1. What is the time of Black Friday?
2. What did Andy buy?
3. What happened with one women that Jen mentioned?
4. In Chris's opinion, what are the bad effects of Black
Friday?
 Bargain (n)
Something on sale at a lower price than its true value
 Phenomenon (n)
Something that exists and can be seen, felt, tasted, etc., especially
something unusual or interesting
 Concern (v)
To cause worry to someone
 Chaos (n)
No order and confusion
 Disgusting (adj)
Extremely unpleasant or unacceptable
 Encourage(v)
To help someone to feel confident and able to do something
 Materialistic (adj)
Believing that having money and possessions is the most important thing in
life
 Debt (n)
Something, especially money, that is owed to someone else
 Just and Even
We use Even to emphasize surprise information, comparations and
negatives
• He didn't even have enough money to pay the rent.
• You love me, even after the terrible things I've done?

We use Just to express only, simply, exactly

• It’s just not right.
• You look just like your sister.
True or False
1. F - It's the experience
2. T
3. T
4. F - She thinks it's pretty disgusting
5. F - They pay by credit card and get into debt
6. F - He doesn't think the bargains are real.

Just and Even

1. Just
2. Even
3. Just
4. Even
5. Just
6. Even
Unit 5: Money & Shopping
Tomorrow's world of
shopping
DO you like online shopping?
What kind of products you usually buy from
online shops?

Discussion: What are the pros and

cons of online shopping?
 Facial Expression (n)

Motions of the muscles beneath the skin of the face that convey the
emotional state of an individuals.
 Distant (adj)

Far away in space or time

 Preference (noun)

A greater interest in something than something else

 Recommendation(noun)

The act of telling somebody that something is good or useful for

particular purpose
 Temporary(adj)
Only for a short time
 Display (verb/noun)
To put something in a place where people can see it easily
 Augmented reality (noun)
A technology that combines computer-generated images on a screen
with the real object or scene that you are looking at
 Virtually (Adv)
​ lmost or very nearly
A
Use computer technology to make something appear to exist
Vocabulary
1. In-store
2. Item
3. Salesclerk
4. Order
5. Delivery
6. Products
1. f 1. a
2. h 2. d
3. g 3. e
4. c 4. b
5. e 5. c
6. a
7. b
8. d
Prediction: The degrees of certainty

100% Definitely
70% Probably
50% May/Might
30% Probably not
0% Definitely not
1. is going to 1. definitely be
2. might 2. may be
3. is going to 3. will probably
4. will definitely 4. probably won't
5. is going to 5. might
6. will 6. is going to
7. may 7. might
1. may/ might win
8. don't think we will 8. may
2. will definitely fail
9. will
3. don't think we will
4. will definitely be
5. may/might not arrive
6. am sure that you will
7. might rain
8. don't think we're going to
 Tarot reading
Use the tarot deck to predict your friend's future. Write all the
predictions of every members of your team down and share
with the class
UNIT 5: MONEY AND
SHOPPING
IT'S NOT WORKING
WHAT IS THE
CUSTOMER'S
PROBLEM?
The 3D visor he bought didn't work

1. Work 1. a
2. Crashing 2. b
3. Working
4. Missing
5. Broken
1. What seems to be the problem with it? M
2. I'd like to return it. C
3. Could I take a look at it? M
4. To be honest, I think I'd like to exchange it. C
5. Could I please get a refund? C 1. c
6. I think I'd like to refund. C 2. g
7. Absolutely. I just need to see your receipt. M 3. a
8. Can I please speak to your manager. C 4. d
5. e
6. b
7. f
Write a complaint
Write a complaint about 50 words of one of these products