Luyện nói tiếng Anh bằng Shadowing qua video: How to STOP Spending Too Much Money? | 💖 Healing podcast | Intermediate

Đang tạo bài học...
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Oh, this shirt has a very beautiful color.
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I should buy it.
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All clothes are so boring.
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But it's the end of the month now, so I don't have much money left.
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It's okay.
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Just consider it a reward for next month.
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I just bought it a little earlier.
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I didn't spend too much this month.
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My credit card will handle it all.
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Does this story sound familiar to you?
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Do you see yourself or those around you in this situation?
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This is a common thing in life, overspending.
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So why do we often find ourselves spending more money than we should?
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Let's break it down.
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First of all, let's talk about our world.
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We see ads everywhere.
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These ads tell us to buy new phones, cool clothes, or the latest gadgets.
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It's easy to think we need these things to be happy or successful.
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Another reason is convenience.
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Now, we can buy anything with a few clicks on our phones.
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This makes us buy things quickly.
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Have you ever bought something online just because it was on sale?
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Well, even if you did not need it, I know I have.
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So let's see what ways we can avoid spending too much money.
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Understanding your spending habits is crucial.
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If you don't know where your money is going, it's hard to make changes.
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So how do we start understanding our spending?
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The first thing to do is track everything.
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I suggest starting with a simple exercise.
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Write down every single purchase you make for a week or a month.
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Yes, every single one.
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It might seem boring, but it's very helpful you might be surprised at how much those small purchases add up.
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When you have your spending list, take some time to look at it.
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Also, keep track of your habits.
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Are you buying coffee every morning?
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Are you eating out more than you thought?
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Finding these habits is the first step to making changes.
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now that we know our spending let's talk about the difference between needs
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and wants this is important for managing your money better before
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making a purchase ask yourself is this something I need or something I want?
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Needs are important like food, rent, and utilities.
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Wants are things that are nice to have but not necessary.
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Like a new pair of shoes when you already have 10 pairs at home.
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Without wants, you'll be fine.
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It'll just be uncomfortable.
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But without needs, you cannot survive.
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By carefully considering the items you buy based on needs and wants, you will have a more objective view and save money more easily.
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Another good tip is to wait before buying something.
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If you see something you want, wait 24 hours before buying it.
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Often the first feeling to buy will go away and you'll see you don't need it after all.
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Waiting helps you think more clearly.
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Sometimes you realize that you can live without that item, or you find out that you already have something similar at home.
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This simple step can stop you from making many unnecessary purchases.
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Try it next time you want to buy something.
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You might be surprised at how often you decide not to buy it after waiting.
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Setting spending limits can also help you control your finances better.
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You need to decide how much money you can spend each week or month on things you don't really need, then stick to that amount.
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For example, if you set $50 a week for extra spending, don't spend more than that.
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Moreover, using cash instead of a credit card can also help.
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When you use cash, you physically see the money leaving your wallet, which can make you think twice before spending.
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Creating a budget is one of the most effective ways to manage your money.
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Start by listing all the money you get.
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Next, list all the things you spend money on.
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Include fixed costs, like rent and utilities, and variable costs, like groceries and entertainment.
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In addition, you should use your income to pay for these expenses.
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Make sure you also save some money for the future.
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When you plan, be realistic about how much you spend.
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Don't guess too low, as you might end up needing more money than you expected.
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It's important to save a little extra money for unexpected costs.
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Sometimes things happen that you didn't plan for, like car repairs or medical bills.
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Having extra money helps you handle these surprises without worrying.
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Technology can be very helpful for managing your money.
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There are many apps that can track your spending and help you stick to your budget.
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Firstly, pick an app that is easy to use and fits what you need.
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Some good choices are Mint, YNAB You Need a Budget, and Pocket Guard.
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These apps let you enter and organize your spending so you can see where your money is going.
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Also, set up alerts in the app to remind you when you are close to your spending limit.
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This can help you stay on track and avoid spending too much.
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Another way to save money is to choose cheaper options for spending.
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You can cook at home instead of eating out and plan your meals to avoid extra shopping.
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Or you can check for coupons and discount codes before you buy by using various websites and apps.
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Using public transport instead of driving is also a way to do it because it's usually cheaper and better for the environment.
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Let's put all these tips together with a practical example.
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Imagine you earn $2 ,000 a month.
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You can create a specific budget like this.
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Spending $800 for rent, $100 for utilities, $300 for groceries, $100 for transportation,
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$100 for entertainment, $200 for savings, and $100 on other expenses.
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This is just an example.
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The amount of money you spend depends on how necessary the item or service is for you.
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By following these tips, you can take control of your finances and reduce unnecessary spending.
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Small changes can lead to significant savings over time.
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And remember, spending money is not about feelings.
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It's about making smart choices.
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From the tips above, gradually manage your spending.
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Therefore, you can manage it yourself without having to stress about not knowing where the money is going.
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Thank you.

Về Bài Học Này

Bạn đang luyện tập phát âm tiếng Anh với video "How to STOP Spending Too Much Money? | 💖 Healing podcast | Intermediate" bằng phương pháp Shadowing — kỹ thuật được Dr. Alexander Arguelles phổ biến rộng rãi.

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