Using Credit Cards Read the practise the following conversation Sue: Hi Oliver. I saw you paying with a credit card. Do you use it often? Oliver: Yes, I do. I use my credit card for groceries and sometimes for online shopping. Sue: I just got my first credit card, but I don’t know much about it. Oliver: The most important things to check are the interest rate , the due date , and your credit limit . Sue: What does credit limit mean? Oliver: It’s the maximum amount of mo

Phrasal Verbs About Money Management Cut back on – reduce spending Example: We need to cut back on eating out. Save up – collect money over time for something Example: She is saving up for a new laptop. Pay off – finish paying a debt Example: He finally paid off his credit card. Pay back – return money you borrowed Example: I will pay you back next week. Live on – survive using a certain amount of money Example: They live on a small salary. Run out of – have no more money lef

At the Bank Making a Withdrawal Sam: Good morning. I’m Sam. How can I help you today? Customer: Hi Sam. I want to withdraw some money, please. Sam: From which account do you want to withdraw your money? Customer: From my chequing account. Sam: And how much would you like to withdraw? Customer: $450. Sam: How would you like to get your money? Customer: Four one hundred dollar bills and a fifty dollar bill, please. Sam: Here you go. Is there anything else that I can

Going to the Bank - Complete the following conversations: Conversation 1: Teller: How can I help you Today? Customer: ________________________________________ Teller: What kind of account would you like to open? Customer: _____________________________________________ Teller: Would you like to deposit money into your new account? Customer: ______________________________________________ Teller: How much do you want to deposit?. Customer: ______________________________

Money and Budgeting Read and practise the following conversation: Sara: Hi Daniel. You look worried. What’s wrong? Daniel: I checked my bank balance this morning. It’s very low. Sara: Oh no. Did you look at your statement ? Daniel: Yes, I did. There were many transactions this month. Sara: Maybe you need to make a better budget . Daniel: I think so. I don’t want to get into debt . Sara: That’s smart. Do you still owe money on your loan ? Daniel: Yes, I do. I’m tryi

Tips to help you stick to your budget Now that you have a budget, try to stick to it and improve it as you go. To help you with this...

Let's create a budget In order to make a useful budget you need an effective tool that is easy to use. The Budget Planner is a tool that...

What to consider before you start a budget Take these simple steps before you make your budget. Think about your financial goals Identify...

Making a budget Why make a budget? A budget is a plan that helps you manage your money. It helps you figure out how much money you earn,...

Money Vocabulary Borrow or Lend: Borrow means “to take or use money that belongs to someone else with the intention of returning it later.” Ex. Harry borrowed $5.00 from Tom. Lend means “to give someone money that he/ she is expected to return.” Ex. How much money did you lend her this time? www.englishiseasierwithamal.com Charge or Cost: An item costs money, but services charge you money. Charge means “to demand an amount of money as a price for service or goods.” Ex. They