Aprende el inglès cantando: MONEY

My uncle is going to leave me £2,000.

I'm going to inherit £2,000.

I put some money aside every week for a holiday.

I save money every week.

My brother has promised to give me €50 until next week.

He has promised to lend me €50.

I need to ask my mum to give me £20 until Friday.

I need to borrow £20 from my mum.

I often spend money on stupid things.

I often waste money.

I don't have enough money to buy that car.

I can't afford to buy that car.

I usually have to pay the mechanic £100 to service my car.

The mechanic charges me £100.

These shoes are quite expensive.

They are $200.

They cost $200.

Jim gave me £100.

I haven't paid it back yet.

I owe Jim £100.

I want to put money in a bank account.

They'll give me 5% interest.

I want to invest some money.

I work in a supermarket. They pay me £1,000 a month.

I earn £1,000 a month.

I could sell my house for about €200.000.

My house is worth about €200,000.

We need to get people to give money to build a new hospital.

We want to raise money for the new hospital.

**********

Would you like to pay in cash or by credit card?

I paid for the dinner last night. It was my birthday.

I spent £50 on books yesterday.

My uncle invested all his money in property.

I don't like lending money to friends.

I borrowed a lot of money from the bank.

They charged us €60 for a bottle of wine.

I can only lend you the money if you pay me back next week.

I never get into debt. I hate owing people money.

****** *****************

Note : a piece of paper money

Coin : a piece of money made of metal

Bill : a piece of paper which shows how much money you have to pay for something

Salary : the money you get for the work you do

Tax : money that you pay to the government

Loan : money that somebody (or a bank) lends you

Mortagage : money that a bank lends you to buy a house

Cash machine : a machine where you can get money.

I took out €200 from a cash machine. (= took from my bank account)

{= depend on financially)

When can you pay me back the money I lent you?(= return)

I have to live off my parents while I'm at university.

It's difficult for me and my wife to live on only one salary.

(= have enough money for basic things you need to live)

--------------

TALKING ABOUT MONEY

JOSEPH: I've been saving money to buy a new bike. I'm a waiter, so I don't earn a lot; every month,

I put some of the cash from my tips in a jar, and I hope I'll be able to afford a bike in a couple of months.

It's sometimes tough to save money because I have many expenses, but I think it's better than taking a loan or using a credit card. I don't want to borrow any money for my bike. It's hard to wait, but I know it will be worth it when I can ride my new bike everywhere.

TAYLOR: Years ago, I used to withdraw cash for my shopping all the time, or sometimes I'd write cheques,but these days, I exclusively use cards for everything, even for small purchases like a coffee at the café.

It's just so much more convenient, and honestly, many places don't even accept cash anymore.

Even street performers here in London have card readers because people rarely carry cash around anymore.

DINA: My best friend had some pretty expensive and unexpected medical expenses recently, and last month,

she couldn't afford her rent. She decided to get a loan, but I had some savings and couldn't let her do that.

Not with the high interest rates that banks are charging these days. I lent her the money and told her that

she could pay me back when she was doing better. What are friends for if not to help each other in times of need?

LIAM: My mortgage payments have increased a lot, and now a big part of my salary is spent on that.

Because so much of my money goes into the mortgage, I can't afford to spend it on other things.

When friends ask me if I want to go out for dinner, I often say that I don't feel like it, but the truth is that

I can't afford to eat out every week. I can't think about holidays or buying new things for my house either.

It's really hard when you have to spend so much on just your home.

BEN: I had to take my car to the mechanic last week, and they charged me a fortune for the repair.

I don't usually save money for emergencies, so I had to use my credit card. I plan to pay it back as soon

as I get my next paycheck, but now I've learned that it's important to include unexpected expenses in your budget.

From now on, I'll set aside some money every month for emergencies.

SOPHIE: I lent my cousin some money a while ago, and she hasn't paid me back yet. Recently, she asked for

more money, but I said no until she returned what she already owed. Now, she's upset, and we've stopped talking.

I think mixing money with family or friends isn't a good idea. It often causes issues and can ruin relationships. Next time, if someone needs to borrow from me, I'll just say, 'I'm sorry, but I'm in a difficult situation myself.'

--------------------------------------------------------------------------------

ARE YOU A SPENDER OR A SAVER?

1.You go shopping and you see something very expensive that you really want, but can't afford.

You ...

a - buy it with your credit card. You can worry about the bill next month.

b- already have some money in the bank and plan to save for a couple of weeks and then buy the thing you want.

c - borrow the money and agree to pay back a small amount every week.

2 You get £ I00 for your birthday. You ...

a- spend some of it and save some.

b - go straight to a shopping centre and spend it all.

c - put all of it in your bank account until you know what you want to spend it on.

3 Do you always know how much money you have, how much money you have spent, and on what?

a- Yes. I'm very organized and know exactly what I have and what I've spent.

b -No. I haven't got a clue. When I have money I usually just spend it.

c - I usually have a rough idea about what I spend my money on.

4 You've borrowed some money from a friend, but you don't think that you'll be able to pay it back by the time you promised to. You ...

a - don't worry about it. Hopefully your friend will forget about it too!

b - work out how much money you have and how much you owe. You speak to your friend and explain the sit uation and offer to pay the money back in small instalments.

c - speak to your friend and promise that you'll pay him I

her back, but it might take a bit longer than you first thought.

S You have a friend who often borrows money from you and never pays it back. He I she wants to borrow £50. You ...

a lend him I her t he money. You can afford it and it doesn't matter if you don't get it back.

b - say no; he I she owes you too much already.

c - lend the money. but explain that it is the last time, until he I she has paid back this loan

------------------

I'm a spender, I think. I try to save. but something always seems to come along that I need to buy and I finish up broke.

I ca n get by with very litt le money for myself when I need to, but I don't seem to be good at holding on to it. Also if my kids ask to borrow some money, I always say yes.

I would say that I'm a spender. I spend money on things like concerts or on trips because I like having the experience and the memories.

I know that I should spend my money on things that last, or save for the future, but I don't want to miss all those good things that are happening right now .

I consider myself a spender. I don't have much money, but when I do have some there is always something I need or want to spend it on.

I love computers and computer games, so I often buy t hings to make sure my computer's always up to date.

I know it's not very sensible, but it's important to me.

That's difficult to say. I can save money if there's something I really, really want, but usually my money disappears as soon as I get it.

I get some money from my parents every week, so I have just enough money to go to the cinema with my friends and to buy something for myself, maybe a book or a DVD or

some make-up ... I usually end up buying something. But, for example, if I want to go on a trip with my friends, t hen I can make an effort and save some money for a few weeks.

Speakers

Since I was very small, I've always saved about a third of the money I get. I would never think of spending all t he money I have.

You could say that I'm careful about money. \A/hen I want

t o buy something which is expensive I don't use a credit card,

I take t he money out of the bank and so I never have to worry

about getting into debt.

I'd say a saver, definitely. I like having some money saved in case I have an emergency. I also think very carefully before I buy something and I always make sure it's the best I can buy for that price.

But I wouldn't describe myself as mean.

I love buying presents for people, and when I do spend my money, I like to buy nice things, even if they're more expensive.

*************************************************

Have you ever bough o sold something on eBay?

Yes,I sold my old computer.

Who did you sell it to?

How much did you sell it for?

Have you ever lent money to someone who didn't pay you back?

No, I haven't.But my brother lent me some money last week and I haven't paid him back yet.

HAVE YOU EVER ... ?

• bought or sold something on eBay or a similar site ?

• lost a credit card or your wallet ?

• lost your card in a cash machine?

• forgot your PIN for credit or debit card?

• taken out a loan from the bank?

• wasted money on something you've never used ?

• won any money (e.g. in a lottery) ?

• been charged too much in a restaurant

• bought something online and then discovered t hat it was a scam?

Scam: n. a dishonest and illegal way of making money by tricking people, e.g. selling a product online that doesn't exist.

SCAM Stories (How To Stay Safe)

A few months ago I got an email from a friend who was away

in Berlin. He said he’d lost his wallet and needed money to get home.

He asked me for my credit card details, and I thought, ‘Well, he needs my help,’ so I sent him a reply with my card number and everything.

But there was no reply, and I got suspicious, and I checked my credit card, and somebody had stolen over two thousand pounds. And of course I never got it back.

Ah, the friend abroad who needs help. But it isn’t really a friend:

it’s a scammer who is using this friend’s email account.

Often this scam is obvious, either because you know your friend isn’t

abroad, or because the email has grammar and spelling mistakes.

So always be suspicious of any strange emails from friends.

Scam Email

Scam Emails like this often have lots of mistakes.

Correct the 10 highlighed mistakes.

~~Businness~~ Business

~~I am needing~~ I need

~~dolars~~ dollars

~~have died~~ died

~~there~~ their

~~can to transfer~~ can transfer

~~acount~~ account

~~him~~ it

~~I want organize~~ I want to organize

~~you~~ your

I got an email saying that I’d won quite a lot of money in the lottery in Spain.

It looked official, and some of it was in Spanish, and last year I was on a holiday in Spain and I did buy a lottery ticket, so I believed it.

So I emailed back and they replied and said the easiest thing was for me to send them my bank account details, and they’d pay the money direct into my bank.

So I did – and I feel so stupid saying this now – and of course the next day my account was completely empty.

Luckily, it was the day before pay day, and I only had about two hundred pounds in there.

But I learned my lesson.

NEVER believe an email or message saying you’ve won a lottery, especially if you never bought a ticket.

I’d just got back from work, it was about six o’clock, and the phone rang and a very polite woman said it was Barclay’s Bank Security

Division, and that there was a problem with my account.

She said that somebody had tried to use my password online, and that my account wasn’t safe.

I was in the middle of buying a flat, and I thought, ‘Oh no! This sounds bad!’

because I had quite a lot of money in the account.

She said the best solution was to transfer all the money into a new account to make sure it was safe.

So she gave me an account number and an account name – it was my name; it was called ‘Paul K new account’ – and I thanked her.

And immediately after the call, I went online and transferred all my money to this new account.

And that was the last time I saw it.

It was a real disaster: I lost twenty thousand pounds and I couldn’t buy my flat.

Your bank will NEVER ask you on the phone to transfer money

to another account.

If you get suspicious, just hang up, wait ten minutes, then phone your bank to check if it really was them.

What’s the most important thing to remember if you don’t want to be the victim of a scam?

Be very suspicious of strange emails from friends or from someone saying that you’ve won a prize, and the same for phone calls from your bank.

NEVER give your bank account or credit card details to anybody, either in an email or on the phone, unless you are one hundred per cent sure who they really are.

Since the pandemic, I’ve been doing a lot of shopping online, and different shops tend to use different delivery people.

So, I wasn’t really surprised when I got a text message from FedEx, saying that

they had tried to deliver a parcel for me, but I had been out.

They gave me a link to click on to rearrange the delivery for the next day or something like that. I couldn’t remember what it was that I’d bought, but because I’d bought so many things…erm…I just thought, ‘Oh, I’m sure it’s something that I ordered’.

So, I clicked on the link, and it took me to a webpage, which looked perfectly

authentic and it asked me for information.

So, first it asked me for my name, then it asked me for my address, then it asked me for my date of birth.

And suddenly, I thought, ‘This is a bit strange.

Why is it asking for my date of birth?’ But…, I put it in, and then I went on to the next page, and it said, ‘In order to redeliver your package, you need to pay two pounds fifty pence’ or something like that – a very small amount – and it asked me for my bank details.

And suddenly, at that moment, I remembered that I’d been reading about a scam

where people had been asked to pay a small amount for a package to be delivered from the post office or from one of these delivery companies, and they looked completely authentic, but in fact, it was a scam to get your bank details.

And I felt so stupid that I’d started to put my details in because I know all about scams.

I’m always telling my mother, ‘Be careful about scams!’ and yet I still fell for it.

I still almost believed it, but, luckily, I didn’t put my bank details in,

and nothing has happened since then, so I assume nothing has happened.

But it does show how easy it is to believe these scams and to fall for them.