Warm-up
Money and Bills
Prices, saving, spending and managing money
Today’s grammar
Talk first
- Do you save money or spend it quickly?
- What do you pay for every month?
- Is it easy for you to manage money?
After this lesson you will be able to...
- Say numbers and prices clearly.
- Use more, less and fewer correctly.
- Talk about what you need to pay and what you don’t need to buy.
- Describe how you save, spend and plan.
Vocabulary
Words to learn
| a bill | рахунок (за послугу) I pay the electricity bill every month. |
| to cost | коштувати How much does it cost? |
| to save | заощаджувати I save a little money every week. |
| to spend | витрачати I spend too much on coffee. |
| cheap | дешевий This phone is cheap. |
| expensive | дорогий That coat is very expensive. |
| a coin | монета I have a few coins in my pocket. |
| a bank account | банківський рахунок I have a bank account. |
Grammar
Numbers and prices
Say prices clearly: €2.50 = two euros fifty. £10 = ten pounds. $15.99 = fifteen ninety-nine. 100 = a hundred, 1,000 = a thousand. Use “How much is…?” or “How much does… cost?”
Careful with similar sounds: thirteen / thirty, fourteen / forty, fifteen / fifty. In thirteen the stress is on the end (thir-TEEN). In thirty the stress is at the start (THIR-ty).
| It costs two euros fifty. |
| How much does this cost? |
| This phone is three hundred euros. |
| Thirteen or thirty? Please say it again. |
More, less, fewer
MORE can be used with both: more money, more people. LESS is for uncountable nouns: less money, less time, less sugar. FEWER is for countable nouns: fewer people, fewer coins, fewer bills.
We also say “the most” and “the least”: I spend the most on food and the least on clothes.
| I have less money than my brother. |
| There are fewer people in the shop today. |
| You should spend less time on your phone. |
| I spend the most on food. |
Need to / don’t need to
We use “need to” for something necessary: I need to pay the bill. “Don’t need to” means it is not necessary: You don’t need to buy a ticket. Compare: “mustn’t” = it is forbidden.
Questions: Do I need to pay now? What do I need to bring? We can also say “need” + noun: I need some money. I need help.
| I need to pay the bill today. |
| You don’t need to bring cash. |
| Do I need to sign here? |
| I need some help with this form. |
Speaking
Easy — warm up your speaking
- Do you save money?
- Do you spend a lot or a little?
- How much is a cup of coffee?
- Do you pay with cash or card?
- Do you have a bank account?
- What do you pay every month?
- Do you like shopping?
- How much is a bus ticket?
- Is food expensive in your country?
- Do you carry coins?
- Do you check your bills?
- Do you budget your money?
Medium — say more
- How do you save money?
- What do you spend the most money on?
- What do you spend the least money on?
- Tell me about something expensive you bought.
- How do you plan your monthly money?
- What do you need to pay every month?
- How do you pay for things?
- What was the most expensive meal you had?
- What is cheap in your country, and what is expensive?
- How do you check that the change is correct?
- Do you like to get discounts?
- What is something that money can’t buy?
Deeper — explain and give reasons
- Is money the most important thing in life? Why or why not?
- How can people learn to manage money?
- Should we teach children about money at school?
- Is it better to save or to spend? Explain.
- How do banks help people?
- Is it fair that some people have a lot of money?
- How do you feel when you spend a lot?
- If you won a lot of money, what would you do?
More questions
- How much does a loaf of bread cost?
- How much does it cost to take a bus?
- Do you have less money than last year?
- Are there fewer shops in your area now?
- Do you need to pay today?
- What do you need to buy this week?
- Do you need to save more?
- Do you spend more on food or on clothes?
- Do you pay bills online?
- How many coins do you have?
- Do you save a little every month?
- Do you give money to charity?
Opinions and what-ifs
- Do you think people spend too much on phones?
- Would you rather save money or travel?
- What if you had no money for a week?
- Is it good to borrow money from friends?
- Which is better: paying cash or paying by card?
- Would you like to be rich? Why?
- Do you think prices are too high?
- What advice would you give to someone who spends too much?