你比較常用現金還是刷卡?
你怎麼控制花費、避免亂花錢或刷爆信用卡?
如果你的朋友問你對付款方式的看法,
你知道怎麼用英文跟他分享你的想法嗎?
趕緊偷看下面的口說單字庫、示範模板、範文吧!
和外國朋友聊對改變習慣的看法的情境:
Hey, do you usually pay with cash or card? Why? And how do you keep track of your spending so you don’t go overboard or max out your card?
「嘿,你比較常用現金還是刷卡?為什麼?你怎麼控制花費,避免亂花錢或刷爆信用卡?」
口說單字庫 Vocabulary List:
- splurge 亂花錢
➡️ I try not to splurge on unnecessary things when I go shopping.
我逛街的時候盡量不亂花錢買不需要的東西。 - budget 預算
➡️ I set a weekly budget to control my spending.
我每週都會設置預算來控制花費。 - debt 債務
➡️ Accumulating too much debt can affect your credit score.
積累太多債務會影響你的信用評分。 - big purchases 大筆支出
➡️ I prefer to use my credit card for big purchases.
比較大筆的金額,我會比較喜歡用信用卡。 - only accept cash 收現金
➡️ Some stores only accept cash.
有些店只收現金。
- interest rate 利率
➡️ Credit cards often have high interest rates.
信用卡通常有很高的利率。 - savings 存款
➡️ I make sure to transfer some money to my savings account every month.
我確保每個月都會轉一些錢到我的存款帳戶。 - impulse buying 衝動購物
➡️ Impulse buying can make it hard to stick to a budget.
衝動購物會讓人很難控制預算。 - Max out a credit card. 刷爆信用卡。
➡️ Be careful not to max out your credit card while traveling.
旅遊時要小心不要刷爆信用卡。 - track one’s monthly expenses 追蹤每月的開銷
➡️ I use an app to track my monthly expenses.
我用一個應用程式來追蹤每月的開銷。
單字填空練習:
你可以將這些單字填入這一個完整的口說回答嗎?
I usually pay with a credit card because it’s more convenient than carrying cash, but I make sure not to ___________ on unnecessary things. To avoid _____________, I set a budget every month and use an app to _____________. This helps me stay mindful of my spending. I also make sure to put money into savings regularly and avoid _____________. Credit cards have high _____________, so I’m careful not to accumulate too much ___________, which could negatively impact my financial situation in the long run.
示範回答:
I usually pay with a credit card because it’s more convenient than carrying cash, but I make sure not to splurge on unnecessary things. To avoid maxing out my credit card, I set a budget every month and use an app to track my expenses. This helps me stay mindful of my spending. I also make sure to put money into savings regularly and avoid impulse buying. Credit cards have high interest rates, so I’m careful not to accumulate too much debt, which could negatively impact my financial situation in the long run.