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Money and Spending
Lesson
25
Level 4
IELTS Speaking Test Preperation
Lesson Target
In this lesson, you'll talk about your spending habits, saving goals, and how money affects life. You'll practice giving opinions and describing real situations with money.
Warm-Up
Discuss the warm-up words with your tutor.
budget
save
spend
Vocabulary
Practice saying these words with your tutor. If you don’t know one, ask your tutor to explain it.
Word
Definition
Definition
save
verb
emergencies
noun (plural)
going out
phrasal verb
salary
noun
transportation
noun
budget
noun, verb
account
noun
rent
noun
spend
verb
travel
noun, verb
trip
noun
avoid
verb
Use these words in sentences with your tutor to check that you fully understand their meaning and how to use them correctly.
Useful Phrases
I usually spend money on...
I try to save by...
I plan my budget by...
Saving is important because...
One money habit I have is...
Response Structure
Begin with a clear answer or opinion. Then support it with details or examples using who, what, when, where, why, or how.
1
Give your main idea directly and briefly.
I try to save my money by...
2
Add details or examples to explain your main idea.
Sometimes I plan my budget by...
3
If you have a second idea, repeat steps 1 and 2.
Another way I control my spending is...
Practice 1
Read the dialogue with your tutor. Then, work together to analyze the student's responses. Try to understand the speaker’s purpose and find useful words or phrases you can use in your own answers. Finally, practice responding to the same questions with your tutor.
Examiner
Are you good at saving money?
Sarah
I try to be good at saving money. Every month, after I get my salary, I put some money into my savings account. I usually save about 20% of what I earn. This way, I can use the money in the future if I need it for travel or emergencies.
Examine the Response
-
Why is this a good response?
-
What's the main idea?
-
Key details: Find the who, what, where, when, why, or how in the response.
-
Which words or phrases can you use from these responses?
Examiner
What do you usually spend your money on?
Sarah
Most of my money goes to daily needs like food, transportation, and rent. On weekends, I sometimes spend money on eating out with friends at restaurants. I also like to buy small things online, like books or clothes. Sometimes I save up for a special trip once a year.
Examiner
Do you think young people are good with money?
Sarah
Some young people are good with money, but many still find it difficult. They often spend money quickly on things like new phones, clothes, or going out with friends. Many don’t have much experience with saving or planning. I think schools and parents can help them learn better money habits.
Practice 2
Read the dialogue with your tutor. Each sentence is missing either the main idea or a key detail. Use the dialogue to fill in the missing parts and complete the sentences.
Examiner
What is something you bought recently?
Sarah
Last week, I bought a new pair of running shoes.
__________________________________________. (fill in the supporting details)
Examiner
How do you decide when to buy something expensive?
Sarah
When I want to buy something expensive, I always think carefully first.
__________________________________________. (fill in the supporting details)
Examiner
What advice would you give someone about saving money?
Sarah
__________________________________________. (fill in the main idea)
For example, they can save 10% or 20% after they get paid. It’s also good to make a simple budget to see how much they spend. This way, they can avoid problems and feel safer about the future.
Practice 3
Answer each question clearly and completely. Start with the main idea, then support it with key details or examples.
Examiner
Should parents teach their children how to save money?
Is it better to save or spend money while you’re young?
How has online shopping changed the way people spend?
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