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Exercise 1

Complete the crossword by translating the Polish words. What’s the hidden word?

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Odpowiedz na pytania lub uzupełnij tekst. 1. składka, 2. smakołyk, 3. sprawić wrażenie, 4. koszt, 5. nadzór, 6. świadomość, 7. zastanowić się, 8. strategia, zasada postępowania, 9. zobowiązać, 10. marka
Źródło: GroMar Sp. z o.o., licencja: CC BY-SA 3.0.
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Exercise 2
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Study the sentences below and choose the correct answers. There is only one correct answer in each point. 1. If you are bored with your shopping, you may commit itinterfere with itdispose of it after a short time.
2. Some people do their shopping only to monitorimpresstreat others.
3. Sticking toReflectingBreaking bad shopping habits requires determination and awareness.
4. Expenses which have to be covered regularly are called fixedvariablegeneric costs.
5. HistoricalHistoricHistory information on your spending should help you in budgeting.
6. Reducing your spending on subscriptions you no longer use is a simple losing gamerule of thumbpeace of mind.

Źródło: GroMar Sp. z o.o., licencja: CC BY-SA 3.0.
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Exercise 3
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Choose the correct option which fits the gaps in both sentences. Only one answer in each point is correct. 1. They proposed the creation of… fund to finance ‘expert support teams’ to tackle the humanitarian crises.
In case of… please contact the manager immediately.
a) monitoring
b) an emergency
c) readjustment

2. I decided to… his advice as a guideline for saving money.
When I was young, chocolate was a…
a) treat
b) commit
c) temptation

3. In his free time, he would usually wear… clothes.
It was just a… meeting, it wasn’t planned.
a) luxury
b) convenience
c) casual

4. He saw his image… in the glass of the fitting room.
I did not hurry to order the new vacuum cleaner, I… on my last impulse shopping.
a) interfered
b) kept going
c) reflected

5. They say that honesty is the best…
The… of our government is to keep inflation under control.
a) transaction
b) losing game
c) policy
Źródło: GroMar Sp. z o.o., licencja: CC BY-SA 3.0.
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Exercise 4
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Read the text and drag the words connected with spending money. We all try to follow some plan to control our finances. 1. policy, 2. budgeting, 3. monitor, 4. Sticking, 5. fixed, 6. safety, 7. temptations, 8. variable, 9. account, 10. Tracking to it can be sometimes hard. This world is full of various 1. policy, 2. budgeting, 3. monitor, 4. Sticking, 5. fixed, 6. safety, 7. temptations, 8. variable, 9. account, 10. Tracking. One simple way is 1. policy, 2. budgeting, 3. monitor, 4. Sticking, 5. fixed, 6. safety, 7. temptations, 8. variable, 9. account, 10. Tracking, this in turn requires recording your expenses. 1. policy, 2. budgeting, 3. monitor, 4. Sticking, 5. fixed, 6. safety, 7. temptations, 8. variable, 9. account, 10. Tracking them can be a real challenge, but once you decide on a 1. policy, 2. budgeting, 3. monitor, 4. Sticking, 5. fixed, 6. safety, 7. temptations, 8. variable, 9. account, 10. Tracking to keep all your receipts or 1. policy, 2. budgeting, 3. monitor, 4. Sticking, 5. fixed, 6. safety, 7. temptations, 8. variable, 9. account, 10. Tracking your bank 1. policy, 2. budgeting, 3. monitor, 4. Sticking, 5. fixed, 6. safety, 7. temptations, 8. variable, 9. account, 10. Tracking for 1. policy, 2. budgeting, 3. monitor, 4. Sticking, 5. fixed, 6. safety, 7. temptations, 8. variable, 9. account, 10. Tracking and 1. policy, 2. budgeting, 3. monitor, 4. Sticking, 5. fixed, 6. safety, 7. temptations, 8. variable, 9. account, 10. Tracking expenses, it becomes quite easy. It will also help you to identify risks to your 1. policy, 2. budgeting, 3. monitor, 4. Sticking, 5. fixed, 6. safety, 7. temptations, 8. variable, 9. account, 10. Tracking and achieve some peace of mind.
Źródło: GroMar Sp. z o.o., licencja: CC BY-SA 3.0.
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Exercise 5

Study the short texts and choose the proper answer.

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Person 1: I really don’t like the way they sell things nowadays. Everything is arranged in such a way as to make it more difficult for you to decide. Then, when you are about to leave, you see the shop brands high over the products you have already committed to buy.

1.The person in the recording is talking about
Źródło: GroMar Sp. z o.o., licencja: CC BY-SA 3.0.
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Person 2: I’ve always wanted to be able to afford a nice holiday. I saved for it and saved. But then, I found this great gaming place and I had to buy a season ticket to make it cheaper. I could not avoid this subscription. It saved me so much money. In the end, it is also entertainment.

2. The person in the recording is talking about
Źródło: GroMar Sp. z o.o., licencja: CC BY-SA 3.0.
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Person 3: I just compared the date from two budgets I made, two nice sheets. I cannot say I am impressed. One thing for sure I didn’t expect was that I spent so much on food. My husband keeps telling me he needs money for some investment. Still, it is some kind of revelation how my expenses grew over the last two months.

3. The person in the recording is talking about the
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Person 4: They say you should have a goal to save for. My prize is eating my hamburger at the end of the day. I believe you have to give yourself a prize after hard work. One has to relax, after all. I believe saving money on a thing like that and writing all expenses down would not make my life more entertaining. When one has imagination, he/she can spend extra money on anything.
4. The person in the recording is talking about
Źródło: GroMar Sp. z o.o., licencja: CC BY-SA 3.0.
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Person 5: I’ve just read that Bill Gates wears a watch worth 10 dollars and he pays his checks on time to save money. They say he has a policy of dealing with bigger transactions. Can you believe it? It is to read a good book (that’s what Gates does), practice your hobby for some time, and the moment comes when you should know what to do. I can’t believe it!

5. The person in the recording is talking about
Źródło: GroMar Sp. z o.o., licencja: CC BY-SA 3.0.
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Exercise 5

Study the short texts and match the answers to the speakers. There is one extra answer which do not match any of the speakers.

Speaker 1: I really don’t like the way they sell things nowadays. Everything is arranged in such a way as to make it more difficult for you to decide. Then, when you are about to leave, you see the shop brands high over the products you have already committed to buy. 

Speaker 2: I’ve always wanted to be able to afford a nice holiday. I saved for it and saved. But then, I found this great gaming place and I had to buy a season ticket to make it cheaper. I could not avoid this subscription. It saved me so much money. In the end, it is also entertainment. 

Speaker 3: I just compared the date from two budgets I made, two nice sheets. I cannot say I am impressed. One thing for sure I didn’t expect was that I spent so much on food. My husband keeps telling me he needs money for some investment. Still, it is some kind of revelation how my expenses grew over the last two months.

Speaker 4: They say you should have a goal to save for. My prize is eating my hamburger at the end of the day. I believe you have to give yourself a prize after hard work. One has to relax, after all. I believe saving money on a thing like that and writing all expenses down would not make my life more entertaining. When one has imagination, he/she can spend extra money on anything.

Speaker 5: I’ve just read that Bill Gates wears a watch worth 10 dollars and he pays his checks on time to save money. They say he has a policy of dealing with bigger transactions. Can you believe it? It is to read a good book (that’s what Gates does), practice your hobby for some time, and the moment comes when you should know what to do. I can’t believe it!

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Źródło: GroMar Sp. z o.o., licencja: CC BY-SA 3.0.
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Exercise 6
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Choose the correct phrase to complete the sentences related to being a good spender. 1. The size of an emergency fund should
a. not form an obstacle for your budget.
b. equal your money left over after shopping.
c. equal the balance on your credit card.

2. When shopping on-line, one should
a. look for bargains only.
b. experiment with brand-name products.
c. take time to choose offers, just like in-store shops.

3. When operating a credit card, you should
a. use up more than 30% of the credit available.
b. pay the balance immediately after your purchase.
c. carry the balance from week to week only.

4. Buy things in vending machines
a. only as an exception.
b. only for essential goods.
c. in a casual way.

5. A good spender
a. will get rid of all the possible subscriptions.
b. will use readjustment of their budget before buying anything.
c. will be aware that they may be cheating themselves out of what they really need.
Źródło: GroMar Sp. z o.o., licencja: CC BY-SA 3.0.
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Exercise 7

Which of the characteristics of a good spender are, in your opinion, the most difficult to follow and why? Write a few sentences.

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(Uzupełnij).
Źródło: GroMar Sp. z o.o., licencja: CC BY-SA 3.0.
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Exercise 8

Write a blog entry about how you managed to buy something you dreamed about by saving some money. In the blog:

  • explain how you planned to buy the thing you dreamt about;

  • describe how you changed a small habit and explain how it helped you to save some money;

  • give some general advice on how being a better spender can help anyone;

  • suggest that showing to your parents that you are a good spender can help you in the future.

Write 100–150 words.

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(Uzupełnij).
Źródło: GroMar Sp. z o.o., licencja: CC BY-SA 3.0.