쉐도잉 연습: Everyday English: Spending Money - 영상으로 영어 말하기 배우기

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Hi I'm Sarah and I'm Jack.

Welcome to Everyday English.

Today we're going to be talking about a pretty important topic, spending money.

If you're going to be spending money here in Australia you're going to be using these, dollars.

The Aussie dollar or Australian dollar is the official Australian currency, although here we just call them dollars.

The smaller unit of currency is cents.

One dollar is made up of 100 cents.

One way to spend money is using cash, which in Australia comes in notes and coins.

Let's have a look at the different denominations that Australia's currency comes in.

Let's start with the coins.

We've got $2, $1, $0 .50,

$0 .20, $0 .10, and $0 .05.

And then there are the notes.

We've got $5, $10, $20, $50, and $100.

Although, I don't see too many of these.

Do you, Jack?

No, I'm afraid not.

Now, you can get cash out or withdraw cash from the bank or from an ATM, which stands for Automatic Teller Machine.

But, of course, it's pretty common for people to pay without cash using a credit card

or a debit card or even your phone.

We sometimes call that a cashless transaction or just paying by card.

Let's have a look at a scenario involving spending money.

Hi Charlotte, how are you?

Yeah, good thanks Sarah.

What can I get for you today?

How much are your sandwiches?

Sandwiches are $5 .50.

And what about the pies?

$4 .60.

Alright, I'll grab a pie and a can of lemonade.

Yeah, no problem.

That's just $9 .80.

Do you have anything smaller?

I don't have much change.

Oh, sorry, sir, I don't have any loose change.

I just went to the ATM and all I have is 50s.

Do you take carp?

Yeah, no problem.

Credit or saving?

Uh, credit.

All good.

Thanks so much.

Have a good day.

You too.

You might have noticed there that when people talked about prices, they often drop the words dollars and cents.

For example, instead of saying $5 .50, we could say 5 .50 or $5 .50.

You have to listen carefully to the pronunciation of numbers because sometimes they can sound quite similar.

For example, 50 and 15.

It can be hard to hear the difference between the T and the teen.

There's also 13 and 30, 14 and 40, 16 and 60,

17 and 70, 18 and 80, and 19 and 90.

So we've talked about buying smaller things with cash and cards, but how about spending money on bigger things like cars and houses?

For bigger purchases like homes or cars, you might have to take out a loan from a bank.

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.

The verb is lend, and the past tense of lend is lent.

If you take out a loan, you become a borrower.

You borrow the bank's money.

And you have to repay it, or make repayments.

A loan that's for a house is called a home loan, or a mortgage.

If you take out a loan, you will have to pay interest.

That means the amount of money you owe will increase by a certain percentage.

A percentage is a unit of measurement that means a part of 100.

So, for example, 50 % means half.

On a home loan, you might have to pay 5 % interest, which means the amount you owe will increase by 5 % every year.

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.

Let's have a look at some more words that are associated with spending.

There's buy, as in, I buy lots of clothes.

The past tense is bought.

I bought a nice dress.

Purchase, which is another word for buy.

I need to make a big purchase.

I purchased a house.

You can also sell, which means to exchange something for money.

For example, I need to sell my house.

The past tense is sold.

I sold my house.

There's transaction, which means buying or selling something.

For example, I like to keep a record of my transactions.

There's price, which is the amount of money you have to pay for something.

And cost, which means the amount paid to produce something.

Although these two words are often used to mean the same thing.

For example, what's the price of this item?

What does this item cost?

There's expensive, which means has a high price or cost and cheap or inexpensive, which means it has a low cost.

And sometimes you can find something on sale, which means the price has been lowered temporarily.

Well, that's just about it from us for now.

But before we go, here are some questions for you to think about.

What do you usually spend money on?

How do you pay for it?

Have you taken out a loan before?

How long did it take you to pay it back?

And how much interest did you pay?

Well, we're off.

We'll see you next time.

Bye.

We'll be right back.

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이 레슨의 어휘와 말하기 포인트

이 B1 수준 말하기 레슨은 영상 “Everyday English: Spending Money”을(를) 바탕으로 합니다. 가장 자주 반복되는 단어는 다음과 같습니다: loan, dollar, example, spending, cash. 이 영상에는 섀도잉할 문장 95개와 단어 831개가 있습니다. 말하는 구간의 길이는 6:00입니다. 화자는 분당 약 138단어의 일정한 속도로 말해서 섀도잉하기에 편한 속도입니다. 단어의 86%가 영어에서 가장 많이 쓰이는 3,000단어에 속합니다. 나머지는 연습 전에 미리 확인해 두세요. 전체 95문장 중 16문장이 질문이어서 의문문 억양과 짧은 대답을 연습하기에 좋습니다.

이 영상의 핵심 어휘

영상에서 가장 어려운 단어 15개를 발음, 뜻과 함께 정리했습니다.

단어	발음	뜻
lend 동사	/ˈlɛnd/	빌리다
tense 명사	/tɛns/	시제
transaction 명사	/tɹænˈzækʃən/	처리
coin 명사	/ˈkoɪ̯n/	동전, 코인
borrower 명사	/ˈbɑɹoʊɚ/	차용자, 대출자
pronunciation 명사	/pɹəˌnʌn.siˈeɪ.ʃən/	발음
inexpensive 형용사	/ˌɪnɪkˈspɛnsɪv/	싼, 싸다
noun 명사	/naʊn/	명사
debit 명사	/ˈdɛb.ɪt/	차변
verb 명사	/vɝb/	동사
borrow 동사	/ˈbɑɹ.oʊ/	빌리다, 일시적으로 받는
cloth 명사	/klɒθ/	천
withdraw 동사	/wɪðˈdɹɔ/	후퇴하다, 취소하다
measurement 명사	/ˈmɛʒ.ə.mənt/	측정
scenario 명사	/sɪˈnɛəɹioʊ/	각본, 대본

따라 말해 볼 만한 문장

영상에 나오는 짧고 완결된 문장으로, 일상 대화에서 그대로 쓸 수 있습니다:

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?

이 영상의 문법

화자가 가장 많이 쓰는 문형을 영상 속 실제 표현과 함께 정리했습니다.

문형	영상 속 표현
수동태 be + 과거분사 — 누가 하는지보다 무슨 일이 일어나는지에 초점	is made · will be given · is lent
관계절 who / which + 절 — 사람이나 사물에 대한 추가 정보	interest, which means · Purchase, which is · sell, which means
현재완료 have/has + 과거분사 — 과거의 일이 지금도 관련이 있을 때	we've talked · has been lowered · Have you taken
“might / may” 가능성 might/may + 동사 — 가능하지만 확실하지 않은 일	might have

주의할 발음

화자는 don't, I'm, we've 같은 축약형과 약화된 형태를 17번 사용합니다. 들리는 대로 짧게 발음하세요.

“th” 소리: cloth /klɒθ/, withdraw /wɪðˈdɹɔ/
“sh”와 “zh” 소리: transaction /tɹænˈzækʃən/, denomination /dɪˌnɒmɪˈneɪʃən/, pronunciation /pɹəˌnʌn.siˈeɪ.ʃən/, expectation /ˌɛk.spɛkˈteɪ.ʃən/, measurement /ˈmɛʒ.ə.mənt/
긴 단어 — 강세 위치에 주의: temporarily /ˌtɛmpəˈɹɛɹəli/, denomination /dɪˌnɒmɪˈneɪʃən/, pronunciation /pɹəˌnʌn.siˈeɪ.ʃən/, inexpensive /ˌɪnɪkˈspɛnsɪv/, expectation /ˌɛk.spɛkˈteɪ.ʃən/

한국어 화자가 어려워하는 소리:

/v/ — ㅂ(/b/)과 구별하기: inexpensive /ˌɪnɪkˈspɛnsɪv/, verb /vɝb/, involve /ɪnˈvɑlv/

이 영상으로 연습하는 방법

먼저 말하지 않고 영상을 끝까지 듣고 모르는 단어를 적어 둡니다.
보통 속도로 한 문장씩 섀도잉하고, 화자의 리듬과 맞을 때까지 반복합니다.
자신의 목소리를 녹음해 원본과 비교하고, lend, tense, transaction 같은 단어에 특히 주의합니다.

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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쉐도잉 연습: Everyday English: Spending Money - 영상으로 영어 말하기 배우기

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