쉐도잉 연습: Best way to talk about your money & budget in english | English podcast - YouTube로 영어 말하기 배우기
B2
This is your Everyday English class.
421 문장
문장이 너무 짧거나 길면 Edit를 눌러 조정하세요.
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This is your Everyday English class.
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Hello!
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Welcome to English Cactus.
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My name is Anna.
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And my name is Brian.
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This podcast will help you practice your English in a fun and natural way while improving your listening skills.
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Let us ask you something.
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Have you ever wanted to talk about money in English but didn't know what to say?
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Maybe you wanted to say you were trying to save money,
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talk about bills, spending too much,
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or creating a budget but the words just didn't come.
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And here's something interesting.
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Many English students focus only on grammar.
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But real English happens in real-life situations.
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Because one day, you may need to talk to a friend,
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a co-worker, or even travel and discuss prices,
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expenses, saving money, or financial goals in English.
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And let's be honest, money conversations can feel uncomfortable,
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even in your own language.
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So imagine in English.
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But don't worry.
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Today we are going to make this easy, practical, and natural.
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After the dialogue, we'll explain the most useful phrases,
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vocabulary, and cultural tips to make everything much easier to understand.
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So take your time, relax,
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grab your coffee, and enjoy the process.
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Oh, and before we begin,
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don't forget to subscribe to the channel.
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Your support is really important to us,
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and subscribing helps you continue learning English with new podcast episodes every week.
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And leave a comment telling us where you are from.
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We love reading your messages.
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All right.
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Let's begin.
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Hey, Sophie.
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How are you doing?
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I'm good, thanks.
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Just a little stressed about money these days.
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Really?
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What happened?
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Well, I looked at my bank account yesterday and I thought,
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wow, where did all my money go?
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Oh, I know that feeling.
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It happens to me sometimes, too.
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I think I spend too much on food delivery and coffee.
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Same here.
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Those small expenses can become big expenses very fast.
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Exactly.
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I buy coffee almost every morning.
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Five dollars here, six dollars there,
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and suddenly I spend a lot.
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Yeah, small things matter.
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Do you have a monthly budget?
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Um, not really.
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I try to save money,
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but I don't have a real plan.
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That was me last year.
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Then I started using a simple budget.
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Really?
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How does it work?
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It's very simple.
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First, I write down how much money I make every month.
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Then I write my expenses.
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Expenses.
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Sorry, what does that mean?
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Good question.
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Expenses means the money you spend.
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Things like rent, food, transportation, and bills.
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Oh, got it.
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So you organize everything.
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Yep.
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I separate my money into categories.
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Like what?
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For example, rent, groceries, transportation, fun, and savings.
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Wait, you have a category for fun?
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Of course.
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Life can't be only bills and stress.
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That's true.
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If you don't plan fun money, you may feel frustrated.
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That makes sense.
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Sometimes I feel guilty when I buy something nice for myself.
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You shouldn't feel guilty all the time,
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but it's important to spend smart.
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Spend smart.
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What do you mean?
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I ask myself one question before buying something.
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Do I really need this?
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Oh, wow.
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I should do that more often.
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Last month, I almost bought expensive shoes online.
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And?
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I waited three days before buying them.
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Three days?
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Yep.
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After three days, I didn't want them anymore.
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That's actually a great idea.
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It helps a lot with impulse buying.
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Impulse buying.
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Buying something very quickly without thinking too much.
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Ah, that is definitely me.
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You're not alone.
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Many people do that.
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Sometimes I shop when I feel sad or tired.
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Yeah, emotional spending is real.
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Emotional spending.
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Buying things because of emotions,
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not because you need them.
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Wow.
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I never thought about that.
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Don't worry.
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Keep going.
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You're doing great already because you're thinking about it.
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Thanks.
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I really want to improve my money habits.
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That's a great goal.
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So, how much money do you save every month?
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Not a huge amount.
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I try to save at least 10% of my salary.
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Only 10%?
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Yep, and that's okay.
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Small progress is still progress.
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I like that.
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Some people think they need to save a lot immediately,
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but starting small is better than doing nothing.
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True.
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Maybe I can start with $50 a month.
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That's perfect.
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Really?
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Of course.
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It's not about the amount, it's about the habit.
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I needed to hear that.
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Study English every day and learn something new every day, too.
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Not only English, but life skills.
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I agree.
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Learning about money is important.
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Very important.
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Schools don't always teach us personal finance.
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That's so true.
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Also, try to track your spending.
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Sorry, did you say track?
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Yes, track means to follow or watch carefully.
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Oh, okay, like checking where my money goes.
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Exactly.
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I think food delivery is my biggest problem.
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Then maybe cook at home more often.
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Easier said than done.
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Fair enough.
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But maybe I can start cooking two or three times a week.
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That sounds realistic.
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I don't want to stop enjoying life, though.
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And you don't have to.
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Really?
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Personal finance is not about saying no to everything.
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It's about balance.
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I like that idea.
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For example, maybe you don't need coffee every single day.
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Ouch.
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You're right.
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But maybe twice a week is okay.
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That sounds possible.
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Small changes can make a big difference.
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I think I also need an emergency fund.
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That's a smart idea.
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But I don't even know where to start.
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Start small.
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Maybe save enough money for one month of expenses.
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One month sounds hard already.
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Then start with a smaller goal.
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Like what?
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Maybe $500.
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Okay, that sounds less scary.
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Exactly.
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Big goals feel easier when you break them into small steps.
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You sound like a financial coach.
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Not really.
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I just made many mistakes.
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Honestly, me too.
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And that's okay.
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We learn.
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Thanks for talking to me about this.
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No problem.
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Friends help friends.
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I feel more motivated now.
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Good.
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Remember, keep going.
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Small changes matter.
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I will.
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What is your first money goal?
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I want to stop buying things I don't need and save $200 this month.
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That sounds like a great plan.
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And maybe cook more at home.
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Nice.
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See, you already have a plan.
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Thanks so much, Daniel.
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Anytime.
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We can even check our budgets together next month.
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Really?
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That would help me a lot.
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Sure thing.
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You know what?
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I feel better already.
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That's great to hear.
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Maybe money conversations aren't so scary after all.
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Exactly.
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Talking about money can help us grow.
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And save money, too.
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Absolutely.
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Wow, that was such a nice story.
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I think many people can relate to Daniel and Sophie.
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Absolutely.
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Money can be stressful sometimes, right?
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But talking about money is important,
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and today's dialogue showed us that learning English can also help us talk about real-life situations.
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Thank you so much for being here with us.
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And don't worry if you didn't understand everything in the dialogue.
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That's completely normal.
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Yes, keep going.
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You're doing great.
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Learning English takes time, and every day you understand a little more.
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Now, we are going to explain some useful phrases from the dialogue,
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talk about vocabulary, and also share some cultural tips about money and budgeting in English-speaking countries.
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Let's start with some very useful phrases.
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Phrase 1.
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Early in the conversation, Sophie said,
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I looked at my bank account yesterday and I thought,
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wow, where did all my money go?
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This sentence is very natural in English.
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Many people say this after spending too much money.
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Exactly.
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The expression, where did all my money go,
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does not mean the money disappeared like magic.
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Right.
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It means I spent more money than I expected.
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Imagine this situation.
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You buy coffee, snacks, clothes,
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maybe order food online, and then suddenly your account balance is low.
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Then you may say, wow,
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where did all my money go?
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Here are some similar examples.
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Where did all my time go?
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This means you feel surprised because time passed very fast.
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Or, where did my weekend go?
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Super common expression.
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Phrase 2.
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Then Daniel asked Sophie, do you have a monthly budget?
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This is such an important phrase for real life.
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A monthly budget is a plan for your money.
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For example, maybe you earn $2,000 every month.
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Then you decide, okay, $700 for rent, $300 for food, $100 for transportation, $200 for savings.
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That is a budget.
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If someone asks you in English,
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do you have a budget?
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They are asking if you organize your money.
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You can answer, yes, I try to follow a budget.
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Or if you don't, not really,
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but I want to start.
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Very natural English.
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Phrase three.
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Then Daniel said something very useful.
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Do I really need this?
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This is honestly one of the best questions for personal finance.
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And also great English practice.
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Imagine you are shopping online.
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You see expensive shoes.
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Or maybe a new phone.
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Before buying, ask yourself, do I really need this?
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Sometimes the answer is yes.
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Sometimes, maybe not.
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Another way to say something similar is, is this necessary?
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But do I really need this sounds much more natural in daily English.
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Phrase four.
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Later, Daniel said, small progress is still progress.
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I love this sentence.
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Me too.
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This phrase is motivational and very useful.
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Not only for money, but also for English learning.
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Exactly.
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Maybe today you only learned three new English words.
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That is still progress.
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Maybe you only saved $10 this month.
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That is also progress.
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Sometimes people want fast results.
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But learning English and improving your finances take time.
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Keep going.
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Study English every day.
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Learn something new every day.
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Little by little, you improve.
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Welcome back.
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Now let's talk about some very important vocabulary words from today's dialogue.
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These are words that can really help you in real life,
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especially when talking about money,
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spending, saving, and planning your future.
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Don't worry if some words feel new.
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That's normal.
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Keep going.
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Learn something new every day.
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Let's begin with our first word.
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1. Budget.
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Our first word is budget.
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This is one of the most important words when talking about money.
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A budget is a plan for your money.
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Imagine this situation.
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You receive your salary every month.
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Then you think, how much money should I spend?
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Maybe some money for rent,
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some for groceries, some for transportation,
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some for fun, and some for savings.
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That is your budget.
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Example sentence.
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I'm trying to follow a monthly budget.
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Another example.
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My budget is small this month.
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You can also say, I need to make a better budget.
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An opposite idea could be overspending.
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Which means spending too much money.
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Two, expenses.
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Next word, expenses.
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This word means the things you spend money on.
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Bills, food, transportation, internet, rent, coffee.
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Yes, sometimes too much coffee.
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Exactly.
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Example sentence.
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My expenses are very high this month.
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Or, I need to reduce my expenses.
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A very useful phrase is monthly expenses.
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This means the things you pay every month.
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If someone says, what are your biggest expenses?
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They mean, what do you spend most of your money on?
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Great real-life vocabulary.
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3. Save money.
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Our next expression is save money.
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Super useful.
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This means keeping money for the future instead of spending everything.
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Maybe you want a vacation,
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a new car, or an emergency fund.
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Then you save money.
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I'm trying to save money this year.
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Or I want to save money for a trip.
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Notice something important.
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In English, we say save money.
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Not economize money.
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Great tip.
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A similar phrase is cut costs.
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means spending less money example i'm trying to cut costs this month for bills next word bills
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bills are things you need to pay electricity bill phone bill
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internet bill rent adult life sounds expensive very expensive sometimes example sentence i need to pay my bills
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or my bills are expensive this month.
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Very common question in English,
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have you paid your bills?
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This means, did you already pay everything?
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Great job for staying with us until now.
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You already learned useful phrases,
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vocabulary, and cultural tips about money and budgeting in English.
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And now comes one of the most practical parts.
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Exactly.
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We're going to give you sentence models that you can actually use in real life.
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Don't worry about speaking perfectly.
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Start simple.
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Small progress is still progress.
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Let's practice.
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Talking about your budget.
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Let's start with simple sentences about budgeting.
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You can say, I'm trying to follow a budget.
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This means you're organizing your money.
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Another easy sentence, I need to spend less money.
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Super useful for daily life.
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Maybe after shopping too much.
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Or after checking your bank account.
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Here's another good one.
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I want to save more money this month.
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Very natural English.
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Talking about expenses.
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Let's imagine your bills are expensive.
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You can say, my expenses are high this month.
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Or, I spent too much money.
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Short, simple, and natural.
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Maybe your friend asks, why are you saving money?
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You can answer, I'm saving money for a trip.
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Or, I'm saving money for an emergency fund.
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Talking about spending habits, here's some useful sentence models.
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I'm trying not to buy things I don't need.
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Or something easier, I want to spend smarter.
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You can also say, I buy too much coffee.
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Very real-life sentence, especially for coffee lovers.
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Talking about financial goals.
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Maybe someone asks, what is your money goal?
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You can answer, I want to save $200.
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Or, I want to stop spending too much money.
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Another useful one is, I'm trying to build my savings.
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Wow, what an amazing episode.
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Today we talked about something very useful for real life,
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how to talk about your money and budget in English.
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We learned useful expressions about spending money,
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saving money, bills and expenses,
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financial goals, and even how to talk about personal finance in a natural way.
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We also explored important vocabulary,
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useful phrases, and cultural tips that can help you feel more confident when speaking English in real situations.
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Now, let us ask you something.
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What is one money habit you want to improve after today's episode?
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Do you want to spend less?
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Save more?
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Build an emergency fund?
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Stop impulse buying?
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Or maybe your goal is simple,
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to finally feel more confident talking about money in English.
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Whatever your goal is, remember this,
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small progress is still progress.
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Mistakes are part of learning.
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So before we go, tell us in the comments,
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what is one thing you want to save money for?
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A trip?
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A house?
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A new phone?
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Or maybe more peace of mind?
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We really want to hear from you.
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And if this episode helped you,
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don't forget to subscribe to the channel.
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Share this episode with a friend who is learning English too.
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The more you practice, the more confident you become.
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Take care.
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See you in the next episode of English Cactus.
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맥락 및 배경
일상 영어 수업으로 들어오신 것을 환영합니다. 이 방송에서는 돈과 예산에 대한 대화를 영어로 나누는 방법을 쉽고 자연스럽게 익힐 수 있도록 도와줍니다. 돈에 대한 이야기, 특히 예산과 관련된 대화는 많은 사람들이 어려움을 느끼는 주제 중 하나입니다. 실제 대화 상황에서 필요한 어휘와 표현을 배우는 것은 중요한 스킬이며, 다양한 상황에서 이를 활용할 수 있어야 합니다.
일상 소통을 위한 5가지 주요 표현
- 저는 돈을 절약하려고 하고 있어요. - Saving money에 대한 대화의 시작점으로 좋습니다.
- 주말동안 너무 많은 돈을 썼던 것 같아요. - 자신의 소비를 돌아보는 표현입니다.
- 이 비용이 너무 비쌉니다. - 가격에 대한 불만을 표현할 때 유용합니다.
- 예산을 세우는 것이 필요해요. - 재정 관리의 중요성을 언급하는 표현입니다.
- 내 은행 계좌를 확인해봐야겠어요. - 재정 상태를 점검하고 싶을 때 사용할 수 있습니다.
단계별 쉐도잉 가이드
이 비디오에서 다룬 내용을 영어로 자연스럽게 말하는 방법을 익히기 위해, 영어 쉐도잉을 시도해 보세요. 여기 몇 가지 단계별 가이드가 있습니다:
- 비디오를 처음 보면서 대화 내용을 전체적으로 들어보세요. 어떤 주제가 다뤄지는지 파악합니다.
- 다시 듣기를 하면서 각 화자의 말을 반복해서 따라 해보세요. shadowspeaks 방식을 사용하여 정확하게 발음해 보세요.
- 어렵게 느껴지는 표현이나 단어는 따로 기록해 두고, 그 의미와 사용법을 살펴보세요.
- 이해가 가는 부분부터 조금씩 문장을 조합해 나가며 말해보세요. 영어 회화 연습이 쉬워질 것입니다.
- 마지막으로, 자신이 따라 한 내용을 녹음해 들어보세요. 어떤 부분이 자연스럽고 어떤 부분이 어색한지 확인할 수 있습니다.
이렇게 shadow speak을 통해 자기주도적으로 연습하면, 시간에 따른 발전을 느낄 수 있습니다. 항상 꾸준한 연습이 중요하니, 쉐도잉 사이트를 활용해 다양한 콘텐츠와 연습할 수 있길 바랍니다.
쉐도잉이란? 영어 실력을 빠르게 키우는 과학적 방법
쉐도잉(Shadowing)은 원래 전문 통역사 훈련을 위해 개발된 언어 학습 기법으로, 다언어 학자인 Dr. Alexander Arguelles에 의해 대중화된 방법입니다. 핵심 원리는 간단하지만 매우 강력합니다: 원어민의 영어를 들으면서 1~2초의 짧은 지연으로 즉시 소리 내어 따라 말하는 것——마치 '그림자(shadow)'처럼 화자를 따라가는 것입니다. 문법 공부나 수동적인 청취와 달리, 쉐도잉은 뇌와 입 근육이 동시에 실시간으로 영어를 처리하고 재현하도록 훈련합니다. 연구에 따르면 이 방법은 발음 정확도, 억양, 리듬, 연음, 청취력, 말하기 유창성을 크게 향상시킵니다. IELTS 스피킹 준비와 자연스러운 영어 소통을 원하는 분들에게 특히 효과적입니다.
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