Shadowing Practice: Everyday English: Spending Money - Learn English Speaking with Video
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Hi I'm Sarah and I'm Jack.
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Welcome to Everyday English.
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Today we're going to be talking about a pretty important topic, spending money.
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If you're going to be spending money here in Australia you're going to be using these, dollars.
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The Aussie dollar or Australian dollar is the official Australian currency, although here we just call them dollars.
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The smaller unit of currency is cents.
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One dollar is made up of 100 cents.
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One way to spend money is using cash, which in Australia comes in notes and coins.
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Let's have a look at the different denominations that Australia's currency comes in.
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Let's start with the coins.
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We've got $2, $1, $0 .50,
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$0 .20, $0 .10, and $0 .05.
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And then there are the notes.
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We've got $5, $10, $20, $50, and $100.
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Although, I don't see too many of these.
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Do you, Jack?
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No, I'm afraid not.
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Now, you can get cash out or withdraw cash from the bank or from an ATM, which stands for Automatic Teller Machine.
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But, of course, it's pretty common for people to pay without cash using a credit card
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or a debit card or even your phone.
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We sometimes call that a cashless transaction or just paying by card.
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Let's have a look at a scenario involving spending money.
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Hi Charlotte, how are you?
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Yeah, good thanks Sarah.
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What can I get for you today?
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How much are your sandwiches?
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Sandwiches are $5 .50.
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And what about the pies?
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$4 .60.
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Alright, I'll grab a pie and a can of lemonade.
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Yeah, no problem.
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That's just $9 .80.
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Do you have anything smaller?
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I don't have much change.
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Oh, sorry, sir, I don't have any loose change.
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I just went to the ATM and all I have is 50s.
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Do you take carp?
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Yeah, no problem.
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Credit or saving?
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Uh, credit.
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All good.
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Thanks so much.
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Have a good day.
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You too.
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You might have noticed there that when people talked about prices, they often drop the words dollars and cents.
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For example, instead of saying $5 .50, we could say 5 .50 or $5 .50.
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You have to listen carefully to the pronunciation of numbers because sometimes they can sound quite similar.
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For example, 50 and 15.
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It can be hard to hear the difference between the T and the teen.
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There's also 13 and 30, 14 and 40, 16 and 60,
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17 and 70, 18 and 80, and 19 and 90.
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So we've talked about buying smaller things with cash and cards, but how about spending money on bigger things like cars and houses?
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For bigger purchases like homes or cars, you might have to take out a loan from a bank.
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Loan is a noun and it means something that's given out temporarily, in this case money, with the expectation that it will be given back later.
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The verb is lend, and the past tense of lend is lent.
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If you take out a loan, you become a borrower.
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You borrow the bank's money.
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And you have to repay it, or make repayments.
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A loan that's for a house is called a home loan, or a mortgage.
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If you take out a loan, you will have to pay interest.
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That means the amount of money you owe will increase by a certain percentage.
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A percentage is a unit of measurement that means a part of 100.
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So, for example, 50 % means half.
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On a home loan, you might have to pay 5 % interest, which means the amount you owe will increase by 5 % every year.
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Banks will also charge interest on credit cards, which let you spend money that you don't actually have as long as you pay it back later.
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Let's have a look at some more words that are associated with spending.
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There's buy, as in, I buy lots of clothes.
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The past tense is bought.
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I bought a nice dress.
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Purchase, which is another word for buy.
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I need to make a big purchase.
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I purchased a house.
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You can also sell, which means to exchange something for money.
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For example, I need to sell my house.
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The past tense is sold.
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I sold my house.
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There's transaction, which means buying or selling something.
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For example, I like to keep a record of my transactions.
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There's price, which is the amount of money you have to pay for something.
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And cost, which means the amount paid to produce something.
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Although these two words are often used to mean the same thing.
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For example, what's the price of this item?
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What does this item cost?
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There's expensive, which means has a high price or cost and cheap or inexpensive, which means it has a low cost.
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And sometimes you can find something on sale, which means the price has been lowered temporarily.
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Well, that's just about it from us for now.
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But before we go, here are some questions for you to think about.
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What do you usually spend money on?
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How do you pay for it?
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Have you taken out a loan before?
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How long did it take you to pay it back?
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And how much interest did you pay?
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Well, we're off.
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We'll see you next time.
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Bye.
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We'll be right back.
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Vocabulario y notas de pronunciación para esta lección
Esta lección de conversación de nivel B1 se basa en el vídeo “Everyday English: Spending Money”. Las palabras que más se repiten: loan, dollar, example, spending, cash. Este vídeo tiene 95 frases y 831 palabras para practicar shadowing. La parte hablada dura 6:00. El hablante mantiene un ritmo constante de unas 138 palabras por minuto, cómodo para el shadowing. El 86 % de las palabras está entre las 3.000 más comunes del inglés; conviene repasar el resto antes de empezar. 16 de sus 95 frases son preguntas, así que sirve para practicar la entonación de las preguntas y las respuestas cortas.
Vocabulario clave de este vídeo
Las 15 palabras más avanzadas del vídeo, con su pronunciación y significado:
| Palabra | Pronunciación | Significado |
|---|---|---|
| lend verbo | /ˈlɛnd/ | prestar, emprestar |
| tense sustantivo | /tɛns/ | tiempo |
| transaction sustantivo | /tɹænˈzækʃən/ | transacción |
| temporarily adverbio | /ˌtɛmpəˈɹɛɹəli/ | temporalmente |
| coin sustantivo | /ˈkoɪ̯n/ | moneda, numerario |
| borrower sustantivo | /ˈbɑɹoʊɚ/ | prestatario |
| denomination sustantivo | /dɪˌnɒmɪˈneɪʃən/ | denominación |
| repayment sustantivo | repago, repagamento | |
| pronunciation sustantivo | /pɹəˌnʌn.siˈeɪ.ʃən/ | pronunciación |
| inexpensive adjetivo | /ˌɪnɪkˈspɛnsɪv/ | barato, económico |
| noun sustantivo | /naʊn/ | nombre, nombre sustantivo |
| debit sustantivo | /ˈdɛb.ɪt/ | débito |
| verb sustantivo | /vɝb/ | verbo |
| expectation sustantivo | /ˌɛk.spɛkˈteɪ.ʃən/ | expectación |
| borrow verbo | /ˈbɑɹ.oʊ/ | pedir prestado, tomar prestado |
Phrasal verbs que vas a escuchar
| Palabra | Significado |
|---|---|
| take out verbo | sacar |
| give back verbo | devolver |
Frases que vale la pena repetir
Frases cortas y completas del vídeo que puedes reutilizar en la conversación diaria:
- What can I get for you today?
- How much are your sandwiches?
- Do you have anything smaller?
- What do you usually spend money on?
- How do you pay for it?
Gramática en este vídeo
Las estructuras que más usa el hablante, con las palabras exactas del vídeo:
| Estructura | En el vídeo |
|---|---|
| Voz pasiva be + participio pasado — importa lo que ocurre, no quién lo hace | is made · will be given · is lent |
| Oraciones de relativo who / which + oración — información extra sobre una persona o cosa | interest, which means · Purchase, which is · sell, which means |
| Present perfect have/has + participio pasado — una acción pasada que sigue importando ahora | we've talked · has been lowered · Have you taken |
| Posibilidad con “might / may” might/may + verbo — algo posible pero no seguro | might have |
Pronunciación a tener en cuenta
El hablante usa 17 contracciones y formas reducidas, como don't, I'm, we've. Dilas en su forma corta, tal como las oyes.
- Los sonidos de “th”: cloth /klɒθ/, withdraw /wɪðˈdɹɔ/
- Los sonidos de “sh” y “zh”: transaction /tɹænˈzækʃən/, denomination /dɪˌnɒmɪˈneɪʃən/, pronunciation /pɹəˌnʌn.siˈeɪ.ʃən/, expectation /ˌɛk.spɛkˈteɪ.ʃən/, measurement /ˈmɛʒ.ə.mənt/
- Palabras largas — cuida el acento: temporarily /ˌtɛmpəˈɹɛɹəli/, denomination /dɪˌnɒmɪˈneɪʃən/, pronunciation /pɹəˌnʌn.siˈeɪ.ʃən/, inexpensive /ˌɪnɪkˈspɛnsɪv/, expectation /ˌɛk.spɛkˈteɪ.ʃən/
Sonidos difíciles para hispanohablantes:
- /v/ — no es /b/: los dientes tocan el labio inferior: inexpensive /ˌɪnɪkˈspɛnsɪv/, verb /vɝb/, involve /ɪnˈvɑlv/
Cómo practicar con este vídeo
- Escucha el vídeo entero una vez sin hablar y anota las palabras que no conoces.
- Haz shadowing frase por frase a velocidad normal, repitiendo cada una hasta que tu ritmo coincida con el del hablante.
- Grábate y compara con el original, prestando atención a palabras como lend, tense, transaction.
¿Qué es la Técnica de Shadowing?
Shadowing es una técnica de aprendizaje de idiomas respaldada por la ciencia, desarrollada originalmente para la formación de intérpretes profesionales y popularizada por el políglota Dr. Alexander Arguelles. El método es simple pero poderoso: escuchas audio en inglés nativo y lo repites en voz alta de inmediato, como una sombra que sigue al hablante con solo 1-2 segundos de retraso. A diferencia de la escucha pasiva o los ejercicios de gramática, el shadowing obliga a tu cerebro y músculos de la boca a procesar y reproducir simultáneamente patrones de habla reales. Las investigaciones muestran que mejora significativamente la precisión de la pronunciación, la entonación, el ritmo, el habla conectada, la comprensión auditiva y la fluidez al hablar, convirtiéndola en una de las metodologías más efectivas para la preparación del IELTS Speaking y la comunicación en inglés en el mundo real.