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GENERAL ENGLISH · VOCABULARY DEVELOPMENT · PRE-INTERMEDIATE (A2-B1)

MONEY
VOCABULARY

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1 Warm up

In pairs or small groups, discuss the following questions.

1. What’s the last thing you bought?

2. Are you a saver or a spender?
3. Do you buy things that you don’t need? Why/Why not?

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PRE-INTERMEDIATE (A2-B1)

MONEY VOCABULARY

2 Focus on keywords

Part A: Match the words to the pictures.

banknote cash cheque coin

credit card pocket purse wallet

1. 2. 3. 4.

5. 6. 7. 8.

Part B: In pairs, answer the following questions.

1. Where do you carry your cash?

2. Where do you carry your credit cards?
3. How do you usually pay for your shopping?

3 Notes and bills

In Britain, a banknote that has a value of 10 pounds is a called ‘ten-pound note’. In America, a banknote
that has a value of 10 dollars is called a ‘ten-dollar bill’.

What do we call a banknote that has a value of:

1. 5 pounds?

2. 100 dollars?

3. 20 pounds?

4. 50 dollars?

5. 50 pounds?

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MONEY VOCABULARY

4 Phrases with money

Part A: Complete the sentences with the verbs below.

borrow earn invest lend save spend

1. John and his wife are successful lawyers — they a lot of money.

2. Patsy doesn’t much money on clothes. She always looks for special
offers.

3. Ten years ago, Bill decided to his money in property when house
prices were low. Now he is very rich.

4. Dianne decided to some money for the future.

5. I didn’t have enough cash to buy the phone, so I had to some money
from a friend.

6. Paul didn’t have enough cash to pay for the drinks, so I decided to
him some money.

Part B: Now ask and answer the questions below:

1. How much money do people earn in your country on average?

2. Do you think celebrities spend too much money?
3. Is it a good idea to invest money in property in your country?
4. Do you prefer to save money or spend it?
5. Do you often lend money to your friends? Why/why not?
6. Is it a good idea to borrow money from the bank?

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MONEY VOCABULARY

5 Reading comprehension

Read the article about saving money (page five). And answer the following questions.

1. What is one reason why people struggle to save money?

a. They earn too much money.

b. They spend too much money.

c. They don’t have any friends or family to lend them money.

d. They don’t know how to borrow money.

2. What is a good way to control your expenses?

a. Make a list of things you need to buy and buy them all.

b. Spend money on things that are not essential.

c. Create a budget to help you manage your expenses.

d. Use credit cards to pay for everything.

3. Why might someone lend money to a friend or family member?

a. To help them out and earn some extra money.

b. To make them owe you a favour.

c. To show off how much money you have.

d. To get rid of extra money.

4. What is one potential problem with borrowing money?

a. You may never have to pay it back.

b. It can lead to debt that is difficult to get out of.

c. You will always have to borrow money.

d. You can only borrow money from friends and family

5. What is the main idea of the text?

a. It’s easy to earn a lot of money.

b. You should always spend as much money as you can.

c. Saving money is important, but it’s not always easy.

d. Lending money to others is always a bad idea.

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MONEY VOCABULARY

New year - new ideas

A little bit about our resolutions

1. As we approach New Year, many people may be looking for ways to save money and improve their financial
situation. Some people may think that the solution is to earn a lot of money, but this is not always easy or possible
for everyone. Instead, it’s important to focus on managing your expenses and finding ways to save some money.

2. One of the main reasons why people struggle to save money is because they spend too much. It can be easy to
buy things that you don’t really need, especially with online shopping and credit cards. To solve this problem, you
can create a budget to help you control your expenses. You can make a list of things you need to spend money
on and try to cut back on things that are not essential.

3. Another way to save money is to lend money to others. This may seem strange, but it can actually be a good way
to earn extra money. If you lend money to a friend or family member and charge them interest, you can make
some extra cash and help someone in need.

4. However, borrowing money is something you should be careful about. It can be tempting to borrow money to
pay for things you want, but it can also lead to debt that is hard to get out of. If you need to borrow money, it’s
important to understand the terms of the loan and have the plan to pay it back.

5. In conclusion, the key to saving money is to be aware of your spending habits and find ways to reduce your
expenses. This may mean making some sacrifices in the short term, but it will be worth it in the long run. By
managing your money wisely, you can build a better financial future for yourself and your family.

6 Reading context: value

Read the sentences and write P (for positive) or N (for negative) next to each.

1. That’s cheap.

2. That’s a waste of money.

3. That’s a bargain.

4. That’s a really bad deal.

5. That’s poor value for money.

6. That’s too expensive.

7. That’s a really good deal.

8. It’s overpriced.

9. That’s good value for money.

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MONEY VOCABULARY

7 Talking point: money talk

Work in pairs. Look at the items below and describe their value by telling your partner about something
you bought. Use a different expression each time.

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TEACHER MATERIALS · PRE-INTERMEDIATE (A2-B1)

MONEY VOCABULARY

Key

1. Warm up

5 mins.
Students share their views on the following questions, which relate to topics that will be looked at in the lesson.
Encourage students to share their views and develop their ideas, correcting any mistakes.

2. Focus on keywords

Part A:
5 mins.
Students can work individually and check in pairs. Provide the American English spelling of ‘cheque’ – ‘check’.

1. wallet 2. cash 3. pocket 4. purse

5. banknote 6. coin 7. cheque 8. credit card
Part B:
5 mins.
Students in pairs discuss the questions and remind them to use vocabulary from part B.

3. Notes and bills

5 mins.
Point out the grammatical change when we form an adjective from a plural noun. Demonstrate with a strong
student. You may also put them into small groups. Monitor and assist as needed.

1. a five-pound note, a fiver

2. a hundred-dollar bill
3. a twenty-pound note
4. a fifty-dollar bill
5. a fifty-pound note

4. Phrases with money

Part A:
5 mins.
Students put the given verbs in the correct gaps, drawing their attention that those are phrases that are commonly
used.

1. earn 2. spend 3. invest 4. save 5. borrow 6. lend

Part B:
10 mins.
Students in pairs discuss questions. Monitor and correct if necessary.

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TEACHER MATERIALS · PRE-INTERMEDIATE (A2-B1)

MONEY VOCABULARY

5. Reading comprehension

5 mins.
Students read the short article and answers the questions. Monitor and assist as needed.

1. b. 2. c. 3. a. 4. b. 5. c.

6. Reading context: value

5 mins.
Before the activity, clarify the word ’value’. Explain any other vocabulary that the students don’t understand after
the activity. Students can work individually and check in pairs.

1. P - positive 2. N - negative 3. P - positive

4. N - negative 5. N - negative 6. N - negative
7. P - positive 8. N - negative 9. P - positive

7. Talking point: money talk

15 mins.
Students work in pairs and take turns in describing the value of the products by using vocabulary from the previous
exercise. You may want to demonstrate the exercise with one of the students. Monitor and assist as needed. You
can encourage students to invent deals to make the exercise more interesting.

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