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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Woordenschat en spreektips bij deze les
Deze spreekles op niveau B1 is gebaseerd op de video “Everyday English: Spending Money”. Deze woorden komen het vaakst terug: loan, dollar, example, spending, cash. Deze video bevat 95 zinnen en 831 woorden om na te spreken. Het gesproken deel duurt 6:00. De spreker praat in een gelijkmatig tempo van ongeveer 138 woorden per minuut, prettig om te shadowen. 86% van de woorden hoort bij de 3.000 meest gebruikte Engelse woorden; de rest kun je beter vooraf bekijken. 16 van de 95 zinnen zijn vragen, dus het is goede oefening voor vraagintonatie en korte antwoorden.
Belangrijke woorden in deze video
De 15 moeilijkste woorden uit de video, met uitspraak en betekenis:
| Woord | Uitspraak | Betekenis |
|---|---|---|
| lend werkwoord | /ˈlɛnd/ | lenen, uitlenen |
| tense zelfstandig naamwoord | /tɛns/ | tijd, tempus |
| coin zelfstandig naamwoord | /ˈkoɪ̯n/ | munt, muntstuk |
| borrower zelfstandig naamwoord | /ˈbɑɹoʊɚ/ | lener |
| pronunciation zelfstandig naamwoord | /pɹəˌnʌn.siˈeɪ.ʃən/ | uitspraak |
| inexpensive bijvoeglijk naamwoord | /ˌɪnɪkˈspɛnsɪv/ | goedkoop, goedkope |
| noun zelfstandig naamwoord | /naʊn/ | zelfstandig naamwoord, substantief |
| debit zelfstandig naamwoord | /ˈdɛb.ɪt/ | debet |
| verb zelfstandig naamwoord | /vɝb/ | werkwoord |
| expectation zelfstandig naamwoord | /ˌɛk.spɛkˈteɪ.ʃən/ | verwachting, afwachting |
| borrow werkwoord | /ˈbɑɹ.oʊ/ | lenen, ontlenen |
| cloth zelfstandig naamwoord | /klɒθ/ | doek, kleed |
| withdraw werkwoord | /wɪðˈdɹɔ/ | terugtrekken |
| measurement zelfstandig naamwoord | /ˈmɛʒ.ə.mənt/ | meting |
| scenario zelfstandig naamwoord | /sɪˈnɛəɹioʊ/ | scenario |
Zinnen om te herhalen
Korte, volledige zinnen uit de video die je in alledaagse gesprekken kunt gebruiken:
- 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?
Grammatica in deze video
De structuren die de spreker het meest gebruikt, met de exacte woorden uit de video:
| Structuur | In de video |
|---|---|
| Lijdende vorm be + voltooid deelwoord — het gaat om wat er gebeurt, niet om wie het doet | is made · will be given · is lent |
| Betrekkelijke bijzinnen who / which + zin — extra informatie over een persoon of ding | interest, which means · Purchase, which is · sell, which means |
| Present perfect have/has + voltooid deelwoord — iets uit het verleden dat nu nog telt | we've talked · has been lowered · Have you taken |
| Mogelijkheid met “might / may” might/may + werkwoord — iets is mogelijk maar niet zeker | might have |
Uitspraak om op te letten
De spreker gebruikt 17 samentrekkingen en verkorte vormen, zoals don't, I'm, we've. Spreek ze kort uit, zoals je ze hoort.
- De “th”-klanken: cloth /klɒθ/, withdraw /wɪðˈdɹɔ/
- De klanken “sh” en “zh”: transaction /tɹænˈzækʃən/, denomination /dɪˌnɒmɪˈneɪʃən/, pronunciation /pɹəˌnʌn.siˈeɪ.ʃən/, expectation /ˌɛk.spɛkˈteɪ.ʃən/, measurement /ˈmɛʒ.ə.mənt/
- Lange woorden — let op de klemtoon: temporarily /ˌtɛmpəˈɹɛɹəli/, denomination /dɪˌnɒmɪˈneɪʃən/, pronunciation /pɹəˌnʌn.siˈeɪ.ʃən/, inexpensive /ˌɪnɪkˈspɛnsɪv/, expectation /ˌɛk.spɛkˈteɪ.ʃən/
Klanken die Nederlandstaligen lastig vinden:
- Stemhebbende eindmedeklinker — /b/, /d/, /g/, /z/, /v/ niet verscherpen: lend /ˈlɛnd/, sandwich /ˈsæn(d).wɪd͡ʒ/, inexpensive /ˌɪnɪkˈspɛnsɪv/, verb /vɝb/, involve /ɪnˈvɑlv/
- /æ/ — opener dan de Nederlandse “e”: transaction /tɹænˈzækʃən/, sandwich /ˈsæn(d).wɪd͡ʒ/
- /w/ — met ronde lippen: sandwich /ˈsæn(d).wɪd͡ʒ/, withdraw /wɪðˈdɹɔ/
Zo oefen je met deze video
- Luister de hele video één keer zonder te spreken en noteer de woorden die je niet kent.
- Spreek zin voor zin na op normale snelheid en herhaal elke zin tot je ritme gelijk is aan dat van de spreker.
- Neem jezelf op en vergelijk met het origineel; let daarbij op woorden als lend, tense, coin.
Wat is de Shadowing-techniek?
Shadowing is een wetenschappelijk onderbouwde taalleermethode die oorspronkelijk is ontwikkeld voor professionele tolkentraining en gepopulariseerd door polyglot Dr. Alexander Arguelles. De methode is eenvoudig maar krachtig: je luistert naar native Engelse audio en herhaalt het onmiddellijk hardop — als een schaduw die de spreker volgt met slechts 1–2 seconden vertraging. In tegenstelling tot passief luisteren of grammaticadrills, dwingt shadowing je hersenen en mondspieren om echte spraakpatronen tegelijkertijd te verwerken en te reproduceren. Onderzoek toont aan dat het de uitspraaknauwkeurigheid, intonatie, ritme, verbonden spraak, luisterbegrip en spreekvaardigheid aanzienlijk verbetert — waardoor het een van de meest effectieve methoden is voor IELTS Speaking-voorbereiding en echte Engelse communicatie.