Тренировочные упражнения по теме «Purchasing and money»

Vocabulary: be worth, borrow, afford, charge, cost, earn, inherit, invest, lend, owe, raise, save, waste, in cash, by credit card, bill, insurance loan, mortgage, salary, tax.

Shopping is an essential part of our lives, and understanding how to manage money wisely can help us become smart shoppers. When you go shopping, it’s important to know how much you can afford to spend. This often depends on your salary and how much you save each month. If you earn a steady income, you might find it easier to budget for your purchases and avoid wasting money.

Some people might choose to borrow money to make a big purchase. For instance, if you want to buy a car, you might consider getting an insurance loan or a mortgage if it's a house. However, when you borrow money, you must remember that you will owe that amount back, often with added interest. It's crucial to understand the terms of any loan before you charge anything to your credit card.

Investing in quality items can sometimes be worth the extra cost. For example, a well-made pair of shoes may cost more upfront, but they will last longer and save you money in the long run. On the other hand, if you need to raise money quickly, you might consider selling items you no longer need or using savings.

When shopping, it’s also essential to keep track of your bills. Every month, you might receive a bill for your credit card, and it’s important to pay this on time to avoid late fees. Taxes can also affect how much you can spend. If you buy something expensive, remember that sales tax will add to the total cost.

In conclusion, being a smart shopper means knowing how to manage your finances. By understanding how to save, invest, and make informed decisions about borrowing and spending, you can enjoy shopping without the stress of financial strain.

1. What factors determine how much a person can afford to spend when shopping?

2. How does earning a steady income influence a person's ability to budget for purchases?

3. What are some reasons a consumer might choose to borrow money for a purchase, and what should they keep in mind regarding loans?

4. Explain the potential long-term benefits of investing in quality items, using the example of shoes mentioned in the text.

5. What are the consequences of not paying credit card bills on time, according to the passage?

6. How do taxes and sales tax impact the total cost of an expensive item?

7. In what ways can someone raise money quickly if needed, as suggested in the text?

8. What is the overall message about financial management conveyed in the conclusion of the passage?

9. Identify two academic words from the text and discuss their significance in understanding the concepts presented.

10. Which section of the text might be challenging for readers, and what questions could help them navigate that difficulty?

1. A person's salary and monthly savings determine how much they can afford to spend.

2. A steady income makes it easier to budget and avoid wasting money.

3. Consumers might borrow money for large purchases like cars or houses and should understand the terms and interest involved.

4. Investing in quality shoes may cost more initially but saves money over time due to their durability.

5. Late payments on credit card bills can result in additional fees.

6. Taxes and sales tax can increase the total cost of expensive items.

7. Selling unwanted items or using savings are suggested ways to raise money quickly.

8. The conclusion emphasizes the importance of managing finances to enjoy shopping without financial stress.

9. Answers may vary; students should identify words like "investing" and "budget" and explain their relevance.

10. Answers may vary; students might find the section about borrowing money challenging and could ask clarifying questions about loans or interest rates.