Man: I use my debit card for most things these days. I have two credit cards, but I don’t like using them. I prefer to pay for things immediately, otherwise I feel I’m getting into debt. I pay my bills online or over the telephone. I usually have between £10 and £20 in cash with me to pay for emergencies – taxi fares and that kind of thing. Male student: What do you think is good value for money? Man: Mm, not very much, to tell you the truth. Everything seems to cost more than it should these days. I think my telephone and Internet broadband package is good value for money, though. That’s my telephone line, any number of national calls and unlimited Internet use for only £22 a month. I think at least one member of my family is online for an hour or more every day. I think £22 is a very good deal. Female student: And what do you think is a waste of money?
Man: Personally, I don’t understand why anyone buys a new car. They are so expensive, and as soon as you drive them out of the showroom, they’re worth £3,000 less. Perhaps I’m just saying it because I can’t afford a new car myself, but to me it seems so much more sensible to buy a good second-hand car for half the money. Male student: Do you ever buy anything you can’t afford? Man: Yes. I collect radios – old radios. I have nine now, and they’re quite expensive. I paid £350 for a 1950s radio last month – I didn’t have much money for the rest of the month after that! My wife thinks I’m crazy, but it’s important to treat yourself occasionally – don’t you think? My wife buys nice perfume and lots of clothes, and I have my radios. Female student: OK – so, finally – would you say that you’re a spender or a saver?
Man: Well, as I said, I don’t really have much to save, but I guess I’m a saver rather than a spender. It’s good to enjoy money if you have it, but you must save for a rainy day. You never know what will happen in the future.
Female student/Male student: Thank you very much for talking to us – have a nice day, now.
≤097 Unit 9 Consolidation – Speaking
B Listen and check your answers. 1
Man: I don’t mind shopping in supermarkets. It’s not much fun, but everyone has to do it.
2
Woman: I prefer shopping in small local shops. The shopkeepers are so much more friendly.
3
Man 2: I don’t really like shopping for clothes. I always want a pair of shoes or a jacket that I can’t afford.
4
Woman 2: I really enjoy shopping for DVDs. I usually find something I want to see.
5
Man 3: I don’t enjoy shopping in markets. They’re too busy, and a lot of what they sell there isn’t very good.
≤098 Unit 9 Exam Practice – Listening
A You will hear a man giving a talk to some Economics students about managing money. Voice: Good morning, everyone. I think you all know me now. For anyone who doesn’t, my name’s Brian Sinclair, and I work for an independent financial advice service. Coming in and talking to students makes a nice change. Now, you might think that because you’re young,
you don’t really need to start worrying about money yet. You might feel that now is the time to enjoy life, and that you have plenty of time before you really need to start managing your money. Some of you probably think that you haven’t got any money to manage anyway. I hope that by the end of my talk, you’ll see that it’s never too early to start planning ahead, and never too early to start making your money work for you. Now, first of all, the key to good money
management is time. The more time you are prepared to spend managing your finances, the better your money will work for you. So, the earlier you start managing your money, the more effective the process becomes. Too many people start that process too late in life. Rather than managing their money, they end up trying to manage on the money they have. Basically, there are four questions that any money
management programme should answer: What are your financial goals? When do you want to achieve them? What money is available to you now? And what risks are you happy to take in order to reach your goals? Now, the first question is really the key question, and the first thing I want to talk about is houses. You might say that a house is a necessity rather than a financial choice – everyone needs a house – but buying one, or more than one, is the biggest financial transaction that most of you will make in your life. How much money you invest in a house or apartment, and how much that property costs each month, will affect all other aspects of your financial programme. You will also need to think about the kind of lifestyle you want to enjoy. If travelling round the world or taking holidays in exotic places is very important to you, you will have less money to save and less to invest. Now, I’m certainly not saying that good money managing means not having a holiday. I’m saying that managing your money well means that you have to consider each choice you make. It puts a cost on the choices you make, if you like. Now, when you have set yourself financial goals,
you have to think about timing. The most obvious consideration is retirement. When do you want to stop having to work? It may seem a long way off to
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