Практика Shadowing: Best way to talk about your money & budget in english | English podcast - Изучайте разговорный английский с YouTube

This is your Everyday English class.

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This is your Everyday English class.

Hello!

Welcome to English Cactus.

My name is Anna.

And my name is Brian.

This podcast will help you practice your English in a fun and natural way while improving your listening skills.

Let us ask you something.

Have you ever wanted to talk about money in English but didn't know what to say?

Maybe you wanted to say you were trying to save money,

talk about bills, spending too much,

or creating a budget but the words just didn't come.

And here's something interesting.

Many English students focus only on grammar.

But real English happens in real-life situations.

Because one day, you may need to talk to a friend,

a co-worker, or even travel and discuss prices,

expenses, saving money, or financial goals in English.

And let's be honest, money conversations can feel uncomfortable,

even in your own language.

So imagine in English.

But don't worry.

Today we are going to make this easy, practical, and natural.

After the dialogue, we'll explain the most useful phrases,

vocabulary, and cultural tips to make everything much easier to understand.

So take your time, relax,

grab your coffee, and enjoy the process.

Oh, and before we begin,

don't forget to subscribe to the channel.

Your support is really important to us,

and subscribing helps you continue learning English with new podcast episodes every week.

And leave a comment telling us where you are from.

We love reading your messages.

All right.

Let's begin.

Hey, Sophie.

How are you doing?

I'm good, thanks.

Just a little stressed about money these days.

Really?

What happened?

Well, I looked at my bank account yesterday and I thought,

wow, where did all my money go?

Oh, I know that feeling.

It happens to me sometimes, too.

I think I spend too much on food delivery and coffee.

Same here.

Those small expenses can become big expenses very fast.

Exactly.

I buy coffee almost every morning.

Five dollars here, six dollars there,

and suddenly I spend a lot.

Yeah, small things matter.

Do you have a monthly budget?

Um, not really.

I try to save money,

but I don't have a real plan.

That was me last year.

Then I started using a simple budget.

Really?

How does it work?

It's very simple.

First, I write down how much money I make every month.

Then I write my expenses.

Expenses.

Sorry, what does that mean?

Good question.

Expenses means the money you spend.

Things like rent, food, transportation, and bills.

Oh, got it.

So you organize everything.

Yep.

I separate my money into categories.

Like what?

For example, rent, groceries, transportation, fun, and savings.

Wait, you have a category for fun?

Of course.

Life can't be only bills and stress.

That's true.

If you don't plan fun money, you may feel frustrated.

That makes sense.

Sometimes I feel guilty when I buy something nice for myself.

You shouldn't feel guilty all the time,

but it's important to spend smart.

Spend smart.

What do you mean?

I ask myself one question before buying something.

Do I really need this?

Oh, wow.

I should do that more often.

Last month, I almost bought expensive shoes online.

And?

I waited three days before buying them.

Three days?

Yep.

After three days, I didn't want them anymore.

That's actually a great idea.

It helps a lot with impulse buying.

Impulse buying.

Buying something very quickly without thinking too much.

100

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.

194

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.

200

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.

214

Thank you so much for being here with us.

215

And don't worry if you didn't understand everything in the dialogue.

216

That's completely normal.

217

Yes, keep going.

218

You're doing great.

219

Learning English takes time, and every day you understand a little more.

220

Now, we are going to explain some useful phrases from the dialogue,

221

talk about vocabulary, and also share some cultural tips about money and budgeting in English-speaking countries.

222

Let's start with some very useful phrases.

223

Phrase 1.

224

Early in the conversation, Sophie said,

225

I looked at my bank account yesterday and I thought,

226

wow, where did all my money go?

227

This sentence is very natural in English.

228

Many people say this after spending too much money.

229

Exactly.

230

The expression, where did all my money go,

231

does not mean the money disappeared like magic.

232

Right.

233

It means I spent more money than I expected.

234

Imagine this situation.

235

You buy coffee, snacks, clothes,

236

maybe order food online, and then suddenly your account balance is low.

237

Then you may say, wow,

238

where did all my money go?

239

Here are some similar examples.

240

Where did all my time go?

241

This means you feel surprised because time passed very fast.

242

Or, where did my weekend go?

243

Super common expression.

244

Phrase 2.

245

Then Daniel asked Sophie, do you have a monthly budget?

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This is such an important phrase for real life.

247

A monthly budget is a plan for your money.

248

For example, maybe you earn $2,000 every month.

249

Then you decide, okay, $700 for rent, $300 for food, $100 for transportation, $200 for savings.

250

That is a budget.

251

If someone asks you in English,

252

do you have a budget?

253

They are asking if you organize your money.

254

You can answer, yes, I try to follow a budget.

255

Or if you don't, not really,

256

but I want to start.

257

Very natural English.

258

Phrase three.

259

Then Daniel said something very useful.

260

Do I really need this?

261

This is honestly one of the best questions for personal finance.

262

And also great English practice.

263

Imagine you are shopping online.

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You see expensive shoes.

265

Or maybe a new phone.

266

Before buying, ask yourself, do I really need this?

267

Sometimes the answer is yes.

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Sometimes, maybe not.

269

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.

271

Phrase four.

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Later, Daniel said, small progress is still progress.

273

I love this sentence.

274

Me too.

275

This phrase is motivational and very useful.

276

Not only for money, but also for English learning.

277

Exactly.

278

Maybe today you only learned three new English words.

279

That is still progress.

280

Maybe you only saved $10 this month.

281

That is also progress.

282

Sometimes people want fast results.

283

But learning English and improving your finances take time.

284

Keep going.

285

Study English every day.

286

Learn something new every day.

287

Little by little, you improve.

288

Welcome back.

289

Now let's talk about some very important vocabulary words from today's dialogue.

290

These are words that can really help you in real life,

291

especially when talking about money,

292

spending, saving, and planning your future.

293

Don't worry if some words feel new.

294

That's normal.

295

Keep going.

296

Learn something new every day.

297

Let's begin with our first word.

298

1. Budget.

299

Our first word is budget.

300

This is one of the most important words when talking about money.

301

A budget is a plan for your money.

302

Imagine this situation.

303

You receive your salary every month.

304

Then you think, how much money should I spend?

305

Maybe some money for rent,

306

some for groceries, some for transportation,

307

some for fun, and some for savings.

308

That is your budget.

309

Example sentence.

310

I'm trying to follow a monthly budget.

311

Another example.

312

My budget is small this month.

313

You can also say, I need to make a better budget.

314

An opposite idea could be overspending.

315

Which means spending too much money.

316

Two, expenses.

317

Next word, expenses.

318

This word means the things you spend money on.

319

Bills, food, transportation, internet, rent, coffee.

320

Yes, sometimes too much coffee.

321

Exactly.

322

Example sentence.

323

My expenses are very high this month.

324

Or, I need to reduce my expenses.

325

A very useful phrase is monthly expenses.

326

This means the things you pay every month.

327

If someone says, what are your biggest expenses?

328

They mean, what do you spend most of your money on?

329

Great real-life vocabulary.

330

3. Save money.

331

Our next expression is save money.

332

Super useful.

333

This means keeping money for the future instead of spending everything.

334

Maybe you want a vacation,

335

a new car, or an emergency fund.

336

Then you save money.

337

I'm trying to save money this year.

338

Or I want to save money for a trip.

339

Notice something important.

340

In English, we say save money.

341

Not economize money.

342

Great tip.

343

A similar phrase is cut costs.

344

means spending less money example i'm trying to cut costs this month for bills next word bills

345

bills are things you need to pay electricity bill phone bill

346

internet bill rent adult life sounds expensive very expensive sometimes example sentence i need to pay my bills

347

or my bills are expensive this month.

348

Very common question in English,

349

have you paid your bills?

350

This means, did you already pay everything?

351

Great job for staying with us until now.

352

You already learned useful phrases,

353

vocabulary, and cultural tips about money and budgeting in English.

354

And now comes one of the most practical parts.

355

Exactly.

356

We're going to give you sentence models that you can actually use in real life.

357

Don't worry about speaking perfectly.

358

Start simple.

359

Small progress is still progress.

360

Let's practice.

361

Talking about your budget.

362

Let's start with simple sentences about budgeting.

363

You can say, I'm trying to follow a budget.

364

This means you're organizing your money.

365

Another easy sentence, I need to spend less money.

366

Super useful for daily life.

367

Maybe after shopping too much.

368

Or after checking your bank account.

369

Here's another good one.

370

I want to save more money this month.

371

Very natural English.

372

Talking about expenses.

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Let's imagine your bills are expensive.

374

You can say, my expenses are high this month.

375

Or, I spent too much money.

376

Short, simple, and natural.

377

Maybe your friend asks, why are you saving money?

378

You can answer, I'm saving money for a trip.

379

Or, I'm saving money for an emergency fund.

380

Talking about spending habits, here's some useful sentence models.

381

I'm trying not to buy things I don't need.

382

Or something easier, I want to spend smarter.

383

You can also say, I buy too much coffee.

384

Very real-life sentence, especially for coffee lovers.

385

Talking about financial goals.

386

Maybe someone asks, what is your money goal?

387

You can answer, I want to save $200.

388

Or, I want to stop spending too much money.

389

Another useful one is, I'm trying to build my savings.

390

Wow, what an amazing episode.

391

Today we talked about something very useful for real life,

392

how to talk about your money and budget in English.

393

We learned useful expressions about spending money,

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saving money, bills and expenses,

395

financial goals, and even how to talk about personal finance in a natural way.

396

We also explored important vocabulary,

397

useful phrases, and cultural tips that can help you feel more confident when speaking English in real situations.

398

Now, let us ask you something.

399

What is one money habit you want to improve after today's episode?

400

Do you want to spend less?

401

Save more?

402

Build an emergency fund?

403

Stop impulse buying?

404

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?

413

A new phone?

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Or maybe more peace of mind?

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We really want to hear from you.

416

And if this episode helped you,

417

don't forget to subscribe to the channel.

418

Share this episode with a friend who is learning English too.

419

The more you practice, the more confident you become.

420

Take care.

421

See you in the next episode of English Cactus.

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Shadowing — это научно обоснованная техника изучения языка, изначально разработанная для подготовки профессиональных переводчиков и популяризированная полиглотом доктором Александром Аргуэльесом. Метод прост, но эффективен: вы слушаете аудио на английском от носителей языка и немедленно повторяете вслух — как тень, следующая за говорящим с задержкой в 1–2 секунды. В отличие от пассивного прослушивания или грамматических упражнений, Shadowing заставляет мозг и мышцы рта одновременно обрабатывать и воспроизводить реальные речевые паттерны. Исследования показывают, что это значительно улучшает точность произношения, интонацию, ритм, связную речь, понимание на слух и беглость речи — что делает его одним из самых эффективных методов для подготовки к IELTS Speaking и реального общения на английском.

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