Are you a saver or a spender?

Are you a saver or a spender?

Complete the sentences with the correct prepositions.

a) We’re spending a lot more ……. food than we used to.

b) We can always borrow some money ……. the bank.

c) Don't waste your money ……. such purchases.

d) Banks are willing to lend large amounts of money ……. people starting up businesses.

e) I’m going to invest my savings ……. this project.

f) How can I cut down ……. clothing costs?

Where does your money normally go? Discuss which of these things you spend the most money on.

• ordering takeout

• paying utility bills

• going out with friends

• grocery shopping

• transportation

• clothes

• holidays

• renting a room or a flat

 I feel that I sometimes overspend on coffee.

• it means that something is good value for the amount of money paid

• a compromise

• to ask an amount of money for something

• an individual thing

• to spend more money than you should or more than you wanted to

• because you suddenly want to, although you haven't planned to

• to spend only as much money as you have

• a good, or lower than usual, price

• a cost

When I do the shopping, I have a list of items I need.

• it means that something is good value for the amount of money paid

• a compromise

• to ask an amount of money for something

• an individual thing

• to spend more money than you should or more than you wanted to

• because you suddenly want to, although you haven't planned to

• to spend only as much money as you have

• a good, or lower than usual, price

• a cost

When I buy online, I spend time looking for the best deals.

• it means that something is good value for the amount of money paid

• a compromise

• to ask an amount of money for something

• an individual thing

• to spend more money than you should or more than you wanted to

• because you suddenly want to, although you haven't planned to

• to spend only as much money as you have

• a good, or lower than usual, price

• a cost

To keep myself on budget, I cut down on some expenses at the end of the month.

• it means that something is good value for the amount of money paid

• a compromise

• to ask an amount of money for something

• an individual thing

• to spend more money than you should or more than you wanted to

• because you suddenly want to, although you haven't planned to

• to spend only as much money as you have

• a good, or lower than usual, price

• a cost

You want to save some money. You know that you waste too much money on gas driving to work. The most cost-effective means of transport would be a bike. What do you do?

• it means that something is good value for the amount of money paid

• a compromise

• to ask an amount of money for something

• an individual thing

• to spend more money than you should or more than you wanted to

• because you suddenly want to, although you haven't planned to

• to spend only as much money as you have

• a good, or lower than usual, price

• a cost

You are going to buy some groceries, but enter a clothes shop and see an amazing pair of jeans for $100. What do you do? a. I buy them on impulse.

• it means that something is good value for the amount of money paid

• a compromise

• to ask an amount of money for something

• an individual thing

• to spend more money than you should or more than you wanted to

• because you suddenly want to, although you haven't planned to

• to spend only as much money as you have

• a good, or lower than usual, price

• a cost

You want to go to your friend’s house by Uber. If you take Uber now, you’ll be charged more, but if you wait some time the price might be lower. What do you do?

• it means that something is good value for the amount of money paid

• a compromise

• to ask an amount of money for something

• an individual thing

• to spend more money than you should or more than you wanted to

• because you suddenly want to, although you haven't planned to

• to spend only as much money as you have

• a good, or lower than usual, price

• a cost

What trade-off would you accept if you wanted to save money for holidays?

• it means that something is good value for the amount of money paid

• a compromise

• to ask an amount of money for something

• an individual thing

• to spend more money than you should or more than you wanted to

• because you suddenly want to, although you haven't planned to

• to spend only as much money as you have

• a good, or lower than usual, price

• a cost

How can you save some money in these areas?

Watch an interactive video and answer the questions that will appear on the screen.

https://en.islcollective.com/video-lessons/are-you-a-saver-or-a-spender

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Fill in the gaps with words from the box and discuss the sentences.

DISCOUNTS / COST-EFFECTIVE / BUDGET / IMPULSE / CUT / EXPENSES

• Buying things on …………… is something spenders often do.

• It’s important to save money on everyday …………… .

• Look for ways to save on the things that are less important to you, to keep yourself on …………… .

• When you go shopping always look for …………… but don’t buy things which are not on your shopping list.

• The best way to save money is to write down how you spend your money in a month and …………… down on some big expenses.

• Public transport is not really a …………… method of transport if you have a family.