Практика Shadowing: How to Save Money in Daily Life | Easy English Conversation for Beginners - Изучайте разговорный английский с YouTube

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Hello, everyone.

Welcome back to Everyday English Talk,

the podcast that helps you practice simple English for daily life.

I'm Anna.

And I'm Ben.

We're so happy you're here with us today.

In this episode, we're going to talk about saving money.

Yes, saving money is very important in our daily lives.

When we save money, we can buy the things we really need.

And saving money also helps us feel less stress about the future.

That's right.

It can even help us reach our goals like buying a phone,

traveling, or paying for school.

So today, we'll share some simple tips for saving money in everyday life.

And don't forget, at the end, we'll review today's vocabulary.

Plus, you can download the free PDF transcript with exercises to practice more.

let's talk about our money habits everyone has different habits with money some people are very careful

and some people spend quickly for me I usually like to save money saving money makes me feel safe

and relaxed because I know I will have money

when I need it

but sometimes I spend too much really what do you usually spend too much on usually on snacks

or clothes for example last Last week I bought two new shirts.

The colors were very nice, blue and green.

But honestly, I didn't really need them.

I already have many shirts at home.

I bought them because they were on sale.

The price was lower than normal,

so I thought, why not?

But later I realized it was not necessary.

I know that feeling, Anna.

Sales can be very tricky.

We see 50% off or buy one,

get one free and suddenly we buy things we don't really need.

Exactly.

That's my problem sometimes.

I think I'm saving money because it's cheap,

but really, I'm spending more.

What about you, Ben?

Do you like to save or do you spend more?

For me, I try to control my spending.

I don't always succeed, but I try.

One way I do this is by writing down my spending every week.

Oh, interesting.

How do you do that?

It's simple.

I have a small notebook.

Every day I write the money I use.

For example, I write bus ticket $2, lunch $5, coffee $3.

At the end of the week I add it all together.

Then I know exactly how much I spent.

That's a very good habit.

I don't usually write things down,

but I think it would help me.

Yes, it helps me follow my budget,

my plan for how I use money.

A budget tells me, okay,

this week you can spend $50 on food, $20 on transport, and $10 on fun.

If I spend more than the budget,

I know I need to stop.

That sounds very organized.

Do you always follow your budget?

Not always.

Sometimes I forget, sometimes I want something extra.

But at least when I write it down,

I can see the truth.

I can see, ah, I spent too much on coffee this week.

The next week I try to spend less.

That makes sense.

I think writing things down is powerful.

When we don't write, we forget.

But when we write, we can see our habits clearly.

Yes, exactly.

One time I saw that I spent $50 on fast food in just one week.

That shocked me.

I didn't realize it was so much.

After that, I decided to cook more at home.

Wow, $50 just on fast food?

That's a lot.

Cooking at home is a great way to save money.

Yes, and usually it's healthier too.

So listeners, let's pause for a moment and look at today's useful words.

Great idea.

First, save money.

This means to keep money for later.

For example, I want to save money to buy a bicycle.

Second, spend money.

This means to use money to buy something.

I spend money on food and transport.

Third, budget.

A budget is a plan for using money.

For example, I make a budget every month.

Fourth habit.

A habit is something you do often, maybe every day.

Drinking coffee in the morning is my habit.

And last, write down.

This means to put something on paper or in a notebook.

I write down my spending in my journal.

Great.

These words are very useful if you want to talk about money.

100

Now Ben, I have a question.

101

Do you think saving money is easy or difficult?

102

Hmm.

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I think saving money is easy when I have a clear goal.

104

For example, last year I wanted to buy a new phone.

105

I saved $10 every week.

106

It felt slow, but after 6 months I had enough.

107

That was easy because I had a goal.

108

That's a good point.

109

Having a goal makes saving more fun.

110

Yes, but sometimes saving money is difficult.

111

If my friends invite me to eat out or go to the movies,

112

I want to join them.

113

I don't want to say no. That's when saving is hard.

114

I agree.

115

For me, saving money is easy if I prepare.

116

For example, if I bring lunch from home,

117

I don't need to buy lunch outside.

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That saves money.

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But if I don't prepare,

120

I feel hungry

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and then I buy food yes preparation is important another problem for me is online shopping it's

122

so easy to click and buy sometimes I buy things late at night

123

when I'm tired later I think why did I buy this

124

oh yes online shopping can be dangerous I have the same problem one idea is to wait

125

if I see something I want to buy online I wait two days after two days if I still want it

126

Maybe I buy it.

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But many times after waiting,

128

I don't want it anymore.

129

That's a very smart habit.

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I will try that.

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So listeners, think about your own habits.

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Do you save?

133

Do you spend?

134

Do you write things down?

135

Yes.

136

And remember the important words.

137

Save money, spend money, budget, habit, write down.

138

Now it's your turn, listeners.

139

What do you usually spend your money on?

140

Snacks?

141

Clothes?

142

Games?

143

Something else?

144

Please share with us.

145

We'd love to know.

146

Okay, Ben, now let's share some tips for saving money.

147

We already talked about our habits,

148

but what can people do in daily life to save?

149

Good idea.

150

Let's think about simple everyday things.

151

My first tip is bring lunch from home.

152

Oh yes, that's a very good one.

153

Buying lunch outside every day is expensive.

154

Exactly.

155

For example, if I buy lunch at a cafe, it costs maybe $6 or $7.

156

If I do that five days a week, it's more than $30.

157

Wow, that's a lot of money for just lunch.

158

Yes.

159

But if I cook pasta or rice at home and bring it,

160

maybe it only costs $2 or $3.

161

Over one month, I can save more than $100.

162

That's amazing.

163

And the food from home can be healthier too.

164

Yes, true.

165

What about you, Anna?

166

Do you have a saving tip?

167

Yes.

168

My tip is very simple.

169

Turn off the lights when you don't need them.

170

Oh, that's a good one.

171

Many people forget.

172

Yes.

173

I used to forget, too.

174

I left the lights on when I went out,

175

but my electricity bill became higher and higher.

176

After that, I made a habit.

177

Now, before I leave the house, I always check.

178

Are the lights off?

179

That's smart.

180

Saving electricity is saving money.

181

Yes.

182

And also, turn off the fan or the air conditioner if you don't need it.

183

Right.

184

Another tip is, use public transportation if possible.

185

Yes, buses, trains, or the metro.

186

Exactly.

187

Taking a taxi or driving a car is comfortable, but it costs more.

188

A bus ticket is usually cheap.

189

If you use public transportation every day,

190

you can save a lot of money.

191

True.

192

And sometimes it's also better for the environment.

193

Yes.

194

So we save money and help the planet at the same time.

195

Let me share another idea.

196

Make a shopping list before you go to the store.

197

Ah, that's very useful.

198

Yes.

199

Before I started making lists,

200

I often bought things I didn't need.

201

For example, I went to buy bread,

202

but I came home with bread, cookies, chips, and juice.

203

I do that too sometimes.

204

But when I write a list, I can follow it.

205

Bread only.

206

Maybe also milk.

207

And that's all.

208

This way I spend less.

209

That's a great tip.

210

I think many people can try it.

211

What about you, Ben?

212

Do you have another saving tip?

213

Yes, my tip is wait before buying.

214

What do you mean?

215

I mean, when you see something you want to buy,

216

don't buy it immediately.

217

Wait one or two days.

218

Ask yourself, do I really need this?

219

Many times after waiting, I don't want it anymore.

220

Oh yes, that's a very good strategy.

221

I do that sometimes with online shopping.

222

If I wait, my feeling changes and I save money.

223

Exactly.

224

Buying quickly is dangerous.

225

Waiting is smart.

226

Let's give our listeners a few more tips.

227

Sure.

228

Another idea is save your coins.

229

Oh yes, like putting coins in a jar.

230

Exactly.

231

Every day, put your small coins into a jar or a box.

232

It looks small, but after one month,

233

you will have a lot.

234

That's true.

235

When I was younger, I saved coins in a jar.

236

After six months, I had enough to buy a nice bag.

237

See?

238

Small coins can become big savings.

239

Another tip is don't buy water every day.

240

Oh, yes.

241

Many people buy bottled water.

242

It looks cheap.

243

Maybe $1 dollar but

244

if you buy it every day that's thirty dollars in one

245

month right instead use a water bottle from home it's cheaper

246

and better for the environment too yes they are small but

247

if we do them we can save a lot

248

and listeners remember saving money is not only about big things

249

small changes in daily life can make a big difference exactly

250

now let's teach some new vocabulary from this part great first word bill a bill is the paper

251

that shows how much you must pay for example my electricity

252

bill is high this month next expensive expensive means it costs

253

a lot of money this restaurant is expensive another word cheap

254

cheap means it does not cost much these shoes are cheap And one more.

255

List.

256

A list is words written one under another.

257

I write a shopping list before I go to the market.

258

Perfect.

259

So listeners, here's a question for you.

260

Which tip do you want to try this week?

261

Will you bring lunch from home?

262

Will you turn off the lights?

263

Or maybe you will start saving coins in a jar.

264

Please share with us.

265

If you enjoyed this episode,

266

don't forget to subscribe to our YouTube channel for more great content.

267

Click the subscribe button and stay updated with our latest episodes.

268

Now, let's reflect a little.

269

Ben, what did you learn about yourself today?

270

Hmm, I learned that I need to be careful with coffee.

271

Coffee is my bad habit.

272

It looks small, but it becomes expensive every month.

273

Yes, I remember you said that.

274

I think my challenge this week is to make coffee at home instead of buying it outside.

275

That's a very good idea.

276

What about you, Anna?

277

I learned that I spend too much money on clothes.

278

I often buy shirts or dresses just because they are cheap.

279

But I don't really need them.

280

Yes, sales can be dangerous.

281

My challenge is to wait before buying clothes.

282

If I see something I like,

283

I will wait two days before I buy it.

284

That's smart.

285

And what about you, listeners?

286

What did you learn about yourself today?

287

Do you have a good habit or a bad habit with money?

288

And what is your challenge?

289

Maybe your challenge is to bring lunch from home.

290

Or maybe your challenge is to write down your spending this week.

291

Yes.

292

Writing down your spending is a very powerful challenge.

293

Even one day can show you a lot.

294

For example, if you write water $1,

295

snacks $3, bus $2, At the end of the day,

296

you will see where your money goes.

297

And after one week, you can count everything and know your habit.

298

That's right.

299

Let's make it simple.

300

Listeners, here's your challenge for this week.

301

Choose one tip from today's episode.

302

Try it for one week.

303

Notice how much money you save.

304

Yes, and if you can, write it down.

305

For example, if you usually buy lunch outside,

306

try bringing lunch from home for one week.

307

At the end of the week,

308

count how much money you saved.

309

Or, if you usually buy water every day,

310

try bringing a bottle from home.

311

Count the money at the end of the week.

312

These are small changes, but they can teach you a lot.

313

Exactly.

314

Also remember, saving money is not only about having more money.

315

It's about feeling less stress and reaching your goals Yes,

316

when you save, you feel more free You can use your money for important things,

317

not just small things I agree So listeners,

318

let's ask you again What do you usually spend your money on?

319

And which tip will you try this week?

320

Please share with us We'd love to hear your ideas So,

321

Ben, we talked about money habits,

322

and we shared many tips for saving money.

323

Let's think about everything we learned today.

324

Yes, we talked about good habits and bad habits.

325

We also shared seven simple tips.

326

Maybe we can review them slowly for our listeners.

327

Good idea.

328

Okay, tip number one, bring lunch from home.

329

Yes, because buying lunch outside every day is expensive.

330

Cooking at home and bringing food can save a lot of money.

331

Tip number two, turn off the lights and save electricity.

332

And don't forget to turn off the fan or the air conditioner too.

333

Saving electricity means saving money.

334

Tip number three, use public transportation.

335

Yes, buses and trains are cheaper than cars or taxis.

336

If you take public transport,

337

you can save money every day.

338

Tip number four.

339

Make a shopping list before you go to the store.

340

A list helps you buy only what you need and not extra things.

341

Tip number five.

342

Wait before buying.

343

Yes.

344

Don't buy immediately.

345

Wait one or two days and ask yourself,

346

do I really need this?

347

Tip number six.

348

Save your coins in a jar.

349

Small coins can become big savings over time.

350

And tip number seven, don't buy water every day.

351

Bring a water bottle from home.

352

It's cheaper and better for the environment.

353

Seven tips in total.

354

That's a lot of useful ideas.

355

Yes, and they are easy to do in daily life.

356

So today we talked about our money habits and seven simple tips for saving money.

357

Remember, even small changes, like bringing lunch from home or turning off the lights,

358

can make a big difference over time.

359

Saving money is for everyone.

360

You don't need to be rich,

361

you just need to start small and keep going.

362

That's right.

363

Saving is like building a habit.

364

If you do it step by step, it becomes easier.

365

This week, try one tip from today's episode.

366

Write it down, practice it,

367

and see how much you can save.

368

And don't forget, you can download the free PDF transcript with today's conversation, vocabulary and exercises.

369

Thank you for listening to Everyday English Talk.

370

We'll see you next time.

371

Bye-bye.

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