Shadowing Practice: Everyday English: Saving money - Learn English Speaking with Video
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55 sentences
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Hey everyone, I'm Jack and I'm Sarah.
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Welcome to Everyday English.
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Today we're going to be talking about money but instead of spending it we're going to be talking about saving.
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Save is a verb which means to keep or store up
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and savings is a noun which means the money that you put aside, usually in a bank.
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We sometimes call all of our savings our life savings or our nest egg.
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We can also call saving money putting away money.
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And we can use the idiom saving up for a rainy day, which means saving money for when it's really needed.
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Before we can put aside money, we have to get some.
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Let's take a look at the different verbs you can use when talking about where your money comes from.
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You can earn money, which means to work for it.
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I want to earn money, so I'm looking for a job.
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To make money means to get it by any means.
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It could be earning money by working or by selling something.
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I made money by having a garage sale.
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To inherit money can mean to receive money from someone who's died.
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I inherited money from my grandmother.
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To find money means to discover something, in this case without expecting it.
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Note that found is the past form of find.
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I found money on the floor while I was running.
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To borrow money means to get money from a personal bank with the intention of giving it back.
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I borrowed money from the bank to buy a house.
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Of course the most common way of making money is by earning it and receiving a salary.
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That's the money you're paid for working.
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You might also make a profit from selling something or get an allowance, which is money that you're given by someone, for example your parents.
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You might also make money from investments where you put money into something like shares
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or real estate that will make a profit in the future.
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The money that you make from any of these sources is called an income.
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If you want to save money, you really have to try to make more money than you spend.
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So a good way to do it is to draw up a budget.
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It's a list of your expected income and expenditure.
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For example, I need to budget hard if I want to go on a holiday.
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Let's listen to a conversation about spending money.
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Hey Nick, check out my brother's new car.
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Wow, that looks expensive.
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Yeah, it wasn't cheap.
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How did he afford it?
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Does he have a high salary or something?
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Yeah, he earns a fair bit.
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He's really good at budgeting.
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He's been putting money away since he started working.
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And he's made a few really good investments.
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I wish I was good at budgeting.
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I spend my money as soon as I earn it.
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Me too.
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I do have a bit saved up though.
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I got a small inheritance from my grandfather but I'm saving it for a rainy day.
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Well, that's just about it from us for now.
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Have you tried saving with a goal in mind?
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Did you achieve that goal?
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How long did it take you?
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I hope it was worth it.
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Well, with that, we've come to the end of the lesson.
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Thanks for watching.
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See ya.
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Vocabulary and speaking notes for this lesson
This speaking lesson is built on the video “Everyday English: Saving money”. The speaker keeps coming back to these words: saving, earn, bank. This video has 55 sentences and 564 words to shadow. The speech runs for 3:15. The speaker talks at a natural 174 words per minute, close to everyday conversation. 85% of the words are among the 3,000 most common in English; the rest is worth studying before you start.
Key vocabulary in this video
15 words from the video worth learning, with pronunciation and meaning:
| Word | Pronunciation | Meaning |
|---|---|---|
| earn verb | /ɝn/ | To gain (success, reward, recognition) through applied effort or work. |
| salary noun | /ˈsæləɹi/ | A fixed amount of money paid to a worker, usually calculated on a monthly or annual basis, not hourly, as wages. Implies a degree of professionalism and/or… |
| borrow verb | /ˈbɑɹ.oʊ/ | To receive (something) from somebody temporarily, expecting to return it. |
| rainy adjective | /ˈɹeɪni/ | Pouring with rain; wet; showery |
| verb noun | /vɝb/ | A word that indicates an action, event, or state of being. |
| inherit verb | /ɪnˈhɛɹɪt/ | To receive (property, a title, etc.), by legal succession or bequest, usually after the previous owner's death. |
| lesson noun | /ˈlɛs.ən/ | A section of learning or teaching into which a wider learning content is divided. |
| discover verb | /dɪˈskʌvə/ | To find or learn something for the first time. |
| intention noun | /ɪnˈtɛnʃn̩/ | A course of action that a person intends to follow. |
| garage noun | /ɡəˈɹɑʒ/ | A building (or section of a building) used to store a car or cars, tools and other miscellaneous items. |
| grandfather noun | /ˈɡɹæn(d)ˌfɑðɚ/ | A father of someone's parent. |
| grandmother noun | /ˈɡɹæn(d)ˌmʌðɚ/ | A mother of someone's parent. |
| nest noun | /nɛst/ | A structure built by a bird as a place to incubate eggs and rear young. |
| allowance noun | /əˈlaʊəns/ | Permission; granting, conceding, or admitting. |
| inheritance noun | /ɪnˈhɛɹɪtəns/ | The passing of title to an estate upon death. |
Phrasal verbs you will hear
| Word | Meaning |
|---|---|
| put aside verb | To save or keep (something) to be used at a later time. |
| check out verb | To record the departure or withdrawal of someone or something (such as guests, employees, books, etc.). |
| draw up verb | To compose (a document), especially following a standard form; prepare a plan. |
| put away verb | To put (something) in its usual storage place; to place out of the way, clean up. |
| save up verb | To accumulate money, especially for a specific, planned expenditure. |
Sentences worth repeating
Short, complete lines from the video that you can reuse in everyday conversation:
- That's the money you're paid for working.
- It's a list of your expected income and expenditure.
- Have you tried saving with a goal in mind?
- Did you achieve that goal?
- How long did it take you?
Grammar in this video
The structures the speaker uses most, with the exact words from the video:
| Structure | In the video |
|---|---|
| Relative clauses who / which + clause — extra information about a person or thing | verb which means · noun which means · day, which means |
| Present perfect have/has + past participle — a past action that still matters now | Have you tried · we've come |
| Possibility with “might / may” might/may + verb — something that is possible but not certain | might also make |
| Obligation: must / have to / need to saying that something is necessary | have to get · have to try · need to budget |
Pronunciation to watch
The speaker uses 10 contractions and reduced forms, such as I'm, we're, you're. Say them the short way, as you hear them.
- The “th” sounds: grandfather /ˈɡɹæn(d)ˌfɑðɚ/, grandmother /ˈɡɹæn(d)ˌmʌðɚ/
- The “sh” and “zh” sounds: intention /ɪnˈtɛnʃn̩/, garage /ɡəˈɹɑʒ/
- Long words — get the stress right: inheritance /ɪnˈhɛɹɪtəns/, expenditure /ɛkˈspɛndɪt͡ʃə/
How to practise with this video
- Listen to the whole video once without speaking and note the words you do not know.
- Start at 0.75× speed, shadow it sentence by sentence, then go back to normal speed once it feels easy.
- Record yourself and compare with the original, paying attention to words like earn, salary, borrow.
What is the Shadowing Technique?
Shadowing is a science-backed language learning technique originally developed for professional interpreter training and popularized by polyglot Dr. Alexander Arguelles. The method is simple but powerful: you listen to native English audio and immediately repeat it out loud — like a shadow following the speaker with just a 1–2 second delay. Unlike passive listening or grammar drills, shadowing forces your brain and mouth muscles to simultaneously process and reproduce real speech patterns. Research shows it significantly improves pronunciation accuracy, intonation, rhythm, connected speech, listening comprehension, and speaking fluency — making it one of the most effective methods for IELTS Speaking preparation and real-world English communication.