跟讀練習: The Holiday Budget Starts Now - 通過影片學習英語口語

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Do you know how much you're going to spend this holiday season?

If the answer is no, you're probably already behind.

Today we're talking about why your holiday budget needs to start right now.

Remember when Black Friday meant camping outside a store in a folding chair after your Thanksgiving dinner?

Back then the shopping frenzy lasted a day.

Now the deals seem to start earlier every year and stick around through the holidays.

Today we're talking about why your holiday budget needs to start now not

when the sales begin every year people say the same thing

i can't believe how much i spend during the holidays

and it's not surprising more than half of consumers expect to spend over 500 on gifts this year

while one in three shoppers anticipate spending more than a thousand overall my name is jenny

and i'm caitlin the holidays might still feel like they're months away

but now is the best time to start your planning and holiday spending isn't just gifts anymore.

It's the travel, decorations, entertainment, holiday outfits, and the little purchases that seem harmless but add up.

Today we're sharing practical ways to help you prepare now to reduce the financial stress that can come with the holiday season.

So Caitlin, why should your holiday preparation start earlier than you think?

I always run into the same problem year after year.

If I don't start planning earlier, then next thing I know it's Thanksgiving and then it's Christmas Eve and then Christmas is here and then it's New Year's.

And in the midst of all that time, I have overspent and bought way too many last minute gifts.

So the earlier if I can start planning, the better I can plan things out and make those lists of the people

that I want to buy for and make sure that I am spending accordingly.

So Black Friday is dubbed as the start of holiday shopping.

And a lot of people wait until Black Friday to do holiday shopping.

But in the past, how has that actually made you overspend?

Yeah, so Black Friday, love a good sale

but there's a lot of sales on a lot of things now especially with black friday

and so now i see something that's on sale

and i think oh i'm getting a good deal i can go ahead

and buy this and i'm actually saving money when in fact

that person may not actually really wanted that gift

and i'm just buying the things to buy them

and black friday operates off a sense of urgency the sales

of you have to get this now it's a limited time deal and anytime not just the holidays.

But anytime we are shopping under pressure, you make bad decisions.

It's that fear of missing out.

If I don't get this now, am I going to miss out on this deal?

What if it's not there tomorrow?

The thing about Christmas, the thing about Thanksgiving, all these holidays that happen at the end of the year, they're the same time every year.

Every year.

You know they're coming.

So waiting until two months before, you're really setting yourself up for failure because who can save the amount of money you need in two months.

Get the presents, get the travel.

I have family that's far away.

And I just don't have the budget to support that in 30 days.

And so when a lot of people are unprepared with their budget, what do they do?

Pull out the credit card.

And so what happens is this holiday time

that was supposed to be full of joy and wonder

and magic now is stretching into the next year with you paying it off.

And that actually hinders you from then preparing for the next year.

So it's like an unending cycle of going into debt, paying it off just to go into debt the following year.

So my personal belief is that holiday budgeting is something that should happen all year round, no matter how small of an amount.

If you can set that aside starting in January, come December, you'll say, oh, this is a gift for me.

Now I can pay for something and I don't have to go into debt for it.

Yeah.

And another good way to do that is if you're buying intentionally for people as you're out shopping throughout the year, you've already set aside your budget already for your expenses,

you see something that's going to be meaningful to that person, you can buy it now.

You don't just have to buy holiday gifts during the holiday season.

I have a gift closet and I shop sales.

I thrift a lot.

I am in places that have clearance deals all the time.

And so if I see something that's going to be perfect for someone like, oh, my mom really wants a scarf that's this brand, or my brother has been talking about this thing, I'll go ahead and get it,

stick it in the gift closet.

And then usually around Halloween time, I'll get everything out of the gift closet and start making piles

because the worst thing you can do is double spend on someone and forget that you got them a present.

So I'd take everything out, start making piles, label them with post -it notes, and then you can make your actual list of like, okay, I'm still missing something for this person.

I still need to get something for this person.

So for me, the gift closet has really saved me from overspending.

So Caitlin, we know you need to have a holiday spending budget.

How do you calculate what goes into that spending budget?

So there's the obvious ones, right?

There's the gifts for significant others, gifts for family, gifts for co -workers, kids, those types of things.

But what goes beyond the gifts?

There is food, there is potentially travel, there are other expenses, like even your electric bill.

If you're the one that's hosting and doing the cooking, your electric bill is going to be more expensive.

So there's things

that you're going to want to take a look at to kind of fluff up your budget to make sure

that you have enough for everything that's considered

absolutely i didn't even think of the electrical thing

if you're someone who goes all out for decorations

and you leave those lights on 24 hours a day your electrical bill is going to be higher

and i didn't even think to put that in the budget

but an easy way to figure

that out is something i do a lot is go into your online banking

and you can usually sort by date or time period

so sort by date look at last year look at what you spent realistically

and that's going to encapsulate not only the gifts that you bought

but it's also going to every time you went out to eat every gift

that you bought on the fly things that maybe you weren't planning on doing

so that will help encapsulate everything for you

that gives you a real honest look at what your budget actually needs to be

and i'm going to go out and guess

that it's going to be a lot higher than you think it is 100

because you're probably only thinking of gifts

and what about those matching family pajamas did you think about

those did you think about the photo session did you think

about 50 here an extra 25 there they happen bit by bit

and you they don't add up in your head

100

so looking at what you spent last year an honest look

101

and if that number scares you there's two things you can do one build your budget around

102

that number and make those sacrifices is where you need to

103

or two look at how you can reduce

104

that number maybe you don't need to get gifts for every

105

single person in your family maybe you can look at where you travel look at what you bought

106

so really there's um an easy way to do it

107

and it all starts with knowing where you stand in reality not just in your mind

108

so now that we know the number

109

and we've decided on what our holiday budget's going to be how do we get there

110

so there's a couple different ways one of the easiest ways is to start setting up automatic transfers early.

111

Whatever your budget is, you can divide that number by 10.

112

That way you give yourself some leeway and set up

113

that automatic transfer for every month that money to be put in from your checking to a savings account.

114

If you're somebody that's tempted to go into your savings account, maybe before you need to, go ahead and hide that savings account on your online or mobile banking.

115

That way that account is hidden, it's set aside, and now you're not as tempted to touch it because you can't see it.

116

Another tip that is a weird psychology trick, I guess, is naming your account can make you more committed to that account.

117

So if it's just random savings account, maybe you're like, oh, but that's for savings.

118

But if it's super fun time family Christmas account, and then you have to withdraw from your super fun time family Christmas account, you might think twice about doing that.

119

You might think twice.

120

And you're more committed to saving toward that goal.

121

Another tip and another reason to prep for the holidays all year round, is that you don't want to get caught up in the frenzy, the pressure, the sales.

122

Whenever people feel pressured and rushed, they make worse financial decisions.

123

So you want to give yourself time, give yourself a lot of planning, shop all year round.

124

Don't let yourself get too bought into the frenzy, into the holiday sales.

125

All of that is just designed to make you spend more.

126

Before we wrap up, take out your phone.

127

We all know our budget now after going in calculating our true expenses

128

so let's open the fairwinds app and set up an automatic transfer even

129

if you just start with 25 a week that's progress

130

and remember you can always increase the amount as the holidays

131

get closer the goal isn't to create the perfect holiday budget overnight the goal is to start early

132

so you can enjoy the season without the financial stress

133

that often comes with it thanks for joining us today if you found this episode helpful be sure to like comment subscribe, and share it with someone who's already thinking about holiday shopping.

134

We'll see you next time!

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FOR YOU

本課的詞彙與口語要點

這節 B1 級別的口語課以影片“The Holiday Budget Starts Now”為素材。影片中反覆出現的詞有：holiday, gift, budget, account, sale。這段影片共有 134 個句子、1798 個單詞可供跟讀。講話部分時長為 8:33。說話人語速較快，每分鐘約 210 個詞，會出現較多連讀和弱讀。 89% 的單詞屬於英語最常用的 3,000 詞，詞彙容易理解。

影片中的重點詞彙

影片中最難的 15 個單詞，附發音和釋義：

單詞	發音	釋義
frenzy 名詞	/ˈfɹɛnzi/	發狂 /發狂, 狂熱 /狂熱
overspend 名詞		超支
expense 名詞	/ɪkˈspɛns/	費用 /費用, 花費
encapsulate 動詞	/ɪnˈkæps(j)ʊˌleɪt/	概括, 梗概
tempt 動詞	/tɛmpt/	吸引, 誘惑 /誘惑
decoration 名詞	/ˌdɛkəˈɹeɪʃən/	裝飾 /裝飾
calculate 動詞	/ˈkælkjʊleɪt/	計算 /計算, 算
pile 名詞	/paɪl/	堆
anytime 副詞		隨時 /隨時, 任何時候 /任何時候
hinder 動詞	/ˈhɪndɚ/	妨礙 /妨礙, 阻礙 /阻礙
leeway 名詞	[ˈliːˌweɪ]	餘地
pajamas 名詞	/pəˈd͡ʒɑ.məz/	睡衣
preposition 名詞	/ˌpɹɛpəˈzɪʃən/	介詞 /介詞, 前置詞 /前置詞
shopper 名詞	/ˈʃɑ.pɚ/	購買者 /購買者, 購物者 /購物者
thrift 名詞	/ˈθɹɪft/	節儉 /節儉, 節約 /節約

影片中出現的短語動詞

單詞	發音	釋義
go ahead 動詞	/ˌɡoʊ əˈhɛd/	請便 /請便
go out 動詞		出, 出口
miss out 動詞		錯過 /錯過, 放過 /放過
take out 動詞		取出

值得反覆跟讀的句子

影片中簡短而完整的句子，可以直接用在日常對話裡：

Do you know how much you're going to spend this holiday season?
If the answer is no, you're probably already behind.
What if it's not there tomorrow?
I have family that's far away.
How do you calculate what goes into that spending budget?

影片中的語法

說話人最常用的結構，並附上影片中的原話：

結構	影片中的用法
被動語態 be + 過去分詞 — 強調發生了什麼，而不是誰做的	is dubbed · are unprepared · be put
現在完成時 have/has + 過去分詞 — 過去發生但與現在仍有關聯的事	you've already set · has really saved · we've decided

需要注意的發音

說話人用了 48 次縮略和弱讀形式，例如 you're, don't, I'm。請按聽到的簡短形式來說。

“th” 音: thrift /ˈθɹɪft/, withdraw /wɪðˈdɹɔ/
“sh” 和 “zh” 音: decoration /ˌdɛkəˈɹeɪʃən/, preposition /ˌpɹɛpəˈzɪʃən/, shopper /ˈʃɑ.pɚ/, intentionally /ɪnˈtɛn(t)ʃənəli/, preparation /ˌpɹɛpəˈɹeɪʃ(ə)n/
長單詞——注意重音位置: encapsulate /ɪnˈkæps(j)ʊˌleɪt/, decoration /ˌdɛkəˈɹeɪʃən/, preposition /ˌpɹɛpəˈzɪʃən/, anticipate /ænˈtɪs.ɪ.peɪt/, intentionally /ɪnˈtɛn(t)ʃənəli/

中文母語者容易讀錯的音：

/v/ — 不要讀成 /w/，上齒輕觸下唇: divide /dɪˈvaɪd/, overnight /əʊvə(ɹ)ˈnaɪt/
詞尾子音 — 要讀清楚，後面不要加母音: closet /ˈklɑzɪt/, expense /ɪkˈspɛns/, encapsulate /ɪnˈkæps(j)ʊˌleɪt/, tempt /tɛmpt/, calculate /ˈkælkjʊleɪt/
/r/ 和 /l/ 的區別: harmless /ˈhɑɹmləs/, accordingly /əˈkɔɹ.dɪŋ.li/

如何用這段影片練習

先完整聽一遍影片，不要開口，記下不認識的單詞。
先用 0.75 倍速逐句跟讀，熟練之後再回到正常速度。
錄下自己的聲音並與原聲對比，特別注意 frenzy, overspend, expense 這類單詞。

什麼是跟讀法？

跟讀法 (Shadowing) 是一種有科學依據的語言學習技巧，最初開發用於專業口譯員的培訓，並由多語言者Alexander Arguelles博士普及。這個方法簡單而強大：您在聽英語母語原聲的同時立即大聲重複——就像是一個延遲1-2秒緊跟說話者的影子。與被動聽力或語法練習不同，跟讀法強迫您的大腦和口腔肌肉同時處理並模模擬實的講話模式。研究表明它能顯著提高發音準確性，語調，節奏，連讀，聽力理解和口語流利度——使其成為雅思口語備考和真實英語交流最有效的方法之一。

影子跟讀法: 閱讀完整分步指南 →

跟讀練習: The Holiday Budget Starts Now - 通過影片學習英語口語

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