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Money-Saving Tips 省錢妙招(上)
空中英語教室 20250101
修正英文文法，保留中文部分，同時將簡體中文修改為繁體中文
Sure! Here’s the improved version of your text, with grammar corrections and simplified Chinese changed to traditional Chinese:
Hi friends,
I’m John. Today is a great day to learn something new, so let’s do that together.
My name is Ann Marie.
Happy New Year to you all here from Studio Classroom!
Ann Marie, I’ve got a question for you.
Okay, do you have any New Year’s resolutions in 2025?(你有任何 2025 年的 New Year 目標或決心嗎？)
That’s a great question!
A New Year’s resolution is something that you decide to do in the coming year to make your life or your habits better.
I don’t know, John. I haven’t set specific New Year’s resolutions. What about you?
I’ve got one big one.
Okay. Be better at saving money.
And I’m sure for many of you, spending can be a source of stress, right?
Definitely. And John, you are in luck because today’s lesson is all about saving money!
We are going to learn all about money-saving tips.
That’s right!
A tip is a little bit of advice that can help you. Well, let’s read about these money-saving tips together.
Money-Saving Tips
Saving money doesn’t have to be hard.
A famous saying tells us, "A penny saved is a penny earned."
Most of us want to save, but doing so can be challenging. Necessities like food, housing, and transportation cost a lot.
We also want to spend money on fun things like entertainment, books, or new clothes.
So, if you want to save money, you need a plan.
Hi everyone, welcome to Language Lab! I’m Jack.
我們先來看名詞 necessity，意思是「必要、需要或是必需品」。
Liu, most people consider the internet a necessity for communication, information gathering, and daily task completion.
大多數人認為網際網路是溝通、收集資訊和完成日常工作的必要工具。
或者是：
appropriate Lighting is a necessity when studying to prevent damaging one’s eyesight.
適當的照明是防止學習時視力受損的必要條件。
或者是：
Buy necessities first before you spend all your money on unnecessary items.
在把錢花在不必要的物品上之前，先買生活必需品。
Alright friends, it’s good to have a plan when you save money.
We read that saving money doesn’t have to be hard. Now, that’s a useful phrase to know.
Something doesn’t have to be something else.
Definitely. Here’s an example of how you could use that in a sentence:
Learning doesn’t have to be boring.
That’s right!
Or exercising doesn’t have to be difficult.
There are lots of ways you can use this sentence, especially if people have an expectation of some kind of action.
You can say, "Hang on, saving money doesn’t have to be hard."
But what else do we read here, Ann Marie?
Well, we read on here:
A famous saying tells us, "A penny saved is a penny earned."
Now, this is a very, very useful phrase in English. Here’s what it means:
It means that it’s just as useful to save money as it is to earn it.
When you’re earning money, of course, you’re usually taking it in from your job, from your salary, or from your wages.
But if you aren’t spending that money, it’s kind of like someone is paying you because you have more money than you would have if you spent it.
That’s right!
And this expression is very famous in English, so it’s useful to know: by not spending money, you’re saving money.
You still have that money that you didn’t spend.
But we also read here, most of us want something.
That’s right. Most of us want to save.
We don’t want to spend all of our money every month. We want to save some in the bank for other things.
But doing so can be challenging.
Here’s why: necessities like food, housing, and transportation cost a lot.
Let’s talk about this word housing.
Okay, housing literally means the place where people live. Normally, we’re talking about houses and apartments.
But there are other kinds of housing. If you’re a student, you might stay in a dormitory. That’s your housing, right?
Some companies provide housing for their employees. That’s one type of housing.
But we read on here, we also want to spend money on fun things like entertainment, books, or new clothes.
John, what kind of fun things do you like to spend your money on?
I think with my kids, I love spending my money on activities like going to the zoo or going to an aquarium or some fun family activities.
How about you?
I like to spend my money on going to cute cafes and on books as well.
Those are my favorite things to spend my fun money on.
And everyone wants to have a little extra money to spend.
So, our lesson is telling us how we can do that if we save more.
That’s right! Of course, it can be challenging, as we read, to save money. But we have some tips here.
We read: so if you want to save money, you need a plan.
So, that’s the number one thing: have a plan.
Now, Emory, there’s a word that we don’t teach in today’s lesson, but we want you to know it.
It starts with a "b" and it means a plan for your money.
That’s right! A plan for your money, how you’re going to save it and how you’re going to spend it, is called a budget.
A budget is an estimate of income and expenses for a certain period of time.
Some people have a monthly budget. Some people have a yearly budget.
And they literally plan out how much money they need for food and how much money they might need for new clothes in that year or in that month.
That’s right! Budget is your bonus word today. You can say, "I made a budget for this year and I plan to stick to it."
Now, Emory, this word budget is a noun normally, but it can also be used as a verb. We say to budget something or to budget out your expenses.
For example, you could say, "I budgeted 50 dollars for food this week."
Alright friends, let’s continue learning right now with our next reading.
Money Saving Tips
Start by reviewing your spending habits. Identify areas where you can cut back.
Small everyday purchases add up quickly. Keeping track of where your money is going will help you cut down on your spending.
Do you really need a bubble tea every day?
接下來看purchase這個名詞，它的意思是「購買或所購買的東西」。
譬如：
Shall I put the receipt in the bag with your purchase?
要我把收據跟你購買的商品一起放進袋子裡嗎？
或者是：
When my credit card bill came in, it showed some unexpected purchases.
我收到信用卡帳單時，上面顯示了一些意想不到的消費。
Purchase也可以當作動詞，意思也是「購買」。
例如：
Now that I work further away, I want to purchase a new car to make my longer commute more relaxing, comfortable, and safe.
我現在工作的地方比較遠，所以想買一輛新車，讓長途通勤更舒適、更安全。
Alright friends, we need a plan to spend our money. We need a budget. So, Emory, what is the first step to making this plan?
Well, our lesson says:
Start by reviewing your spending habits. Identify areas where you can cut back.
Cut back is a great phrase for you to know, friends. What does that mean?
If you’re going to cut back, if you’re cutting back, it means you are reducing or doing something less or less frequently.
Normally, we think of the word cutting as something you do with scissors or a knife, right?
You’re taking something off, so cutting back means to do less of something.
A lot of times when you cut back on something, it’s something that you view as a negative thing or a negative habit in that situation.
So, for example, someone might want to cut back on sugar to improve their health.
Now, of course, sugar isn’t necessarily a bad thing, but in this situation, it’s viewed as a negative thing because it’s affecting this person’s health.
Great example!
And here we can cut back on some things called purchases.
Purchases are the things you buy.
It’s a noun, and the verb is to purchase, which just means to buy something, right?
That’s right!
And here, we see the type of purchases we’re talking about are small everyday purchases.
Now, for myself, I think of these things like my morning coffee at 7-Eleven or maybe paying for my lunch during the workday.
There are a lot of small things we buy every day that might not be that expensive, but when you do it every single day of the week or the year, it really adds up.
So, it’s really important to keep track, and we read,
Keeping track of where your money is going will help you cut down on your spending.
Okay, we’ve got two things we want to talk about: keeping track of and now cutting down.
First of all, Emory, what does it mean to keep track of something?
Well, if you keep track of something, it means that you are fully aware of something or fully informed about it.
So, you know where every single penny is going.
Tracks are the footprints of an animal or a person. So, you can imagine if you’re following someone’s tracks, you know where they’re going.
So keeping track of something like money means you know where your money went. And then we got this other phrase cut down on. We already learned that "to cut back" means to reduce. What does it mean to cut down on something? Well, it kind of means the same thing, and a lot of times when we’re cutting down on something, it means that we’re cutting back, but a very specific number. So, for example, I’m cutting down the amount of times I drink coffee in a day from two to one. This is something that I can count. That’s why we say it in this way.
I see. And normally, we use the word on. We say, “I’m cutting down on this.”
Well, our final sentence here is: Do you really need a bubble tea every day?
And I love this because bubble tea is one of my favorite things to drink. Do I really need one every day?
No, you probably shouldn’t drink one every day.
Probably shouldn’t. So, what is bubble tea?
Okay, well, there are a few different translations for bubble tea in English. Sometimes you will hear it called Boba bubble tea. Sometimes those little tapioca balls are called pearls as well. They are balls of tapioca, and this is made from a starch, of course, that comes from the cassava plant.
Yes, bubble tea has begun making its way into the Americas and Europe, so you can get it in other places, but it is most popular here in Asia, of course.
That’s right. And we really do say Boba a lot in the USA, so if you’re with your friends in the USA and they’re asking you for a recommendation for a good Boba tea, they mean bubble tea.
Well, friends, there are a lot of other tips we need to learn them together. But first, Rex and Garrett for Infocloud.
Hello, everyone.
Welcome to Infocloud, Garrett. We all know that it’s important to manage your finances carefully, but it can be difficult.
Absolutely, Rex. It’s something everyone should think about. Learning how to budget is an important skill.
Yes, and one way to say that you’re good at following your budget is the phrase living within your means.
That’s a good phrase. It refers to spending less than what you earn. It’s about making sure your expenses don’t exceed your income. So you don’t end up in debt. If you spend more than you earn, it can lead to financial stress and long-term debt. On the other hand, living within your means allows you to save money, avoid debt, and achieve financial stability.
Since living within your means suggests you are not spending your full salary, it implies you are also preparing for future expenses and saving money.
Exactly. Someone who earns a smaller salary might choose to live in a smaller home, drive an older car, and avoid unnecessary expenses. That way, they could save money even while they aren’t earning very much.
Are you struggling to live within your means? Make a budget and stick to it. You’ll be amazed by what you can do.
live within your means 量入為出 我們都知道金錢的管理相當重要
今天跟大家分享的用語是live within your means
means 有財產；資力；收入的含義，live within your means 就是在你的收入範圍內生活，意思就是量入為出。你花的錢要比你賺的錢還要少，如果超過了，就可能造成經濟壓力和不必要的問題。
You should live within your means and stop spending so much.
你應該量入為出，不要再花那麼多錢了。
如果沒有辦法 live within your means，那就要想辦法增加收入。
這就是今天的 Infocloud，我們下次雲端見。
Money-saving tips: Next, make two lists. One list should show your monthly income, such as allowance, wages, or gifts.
The other list should show where your money needs to go. Your savings account should be on that list. In other words, plan to regularly put money into your own savings account.
Consider making a 50-30-20 budget. That means 50 percent of your money goes toward necessities, 30 percent to wants, and 20 percent to savings.
Then stick to it.
今天的 usage tip 是 one 跟 the other 或 the others 的用法。
當有兩個人或事物要指出其中一個時，會用 one 來代稱，
要指出第二個時，則用 the other。
需要 the 是因為要特定指出剩下的那一個。
但是如果總量大於兩個，再用 one 指出第一個後，
剩餘部分因為多於一，所以需要把 other 改為複數，變成 the others。
這種句型可用來比較兩個或多個人事物。
我們來看一個例句：
"I have three dogs. One is male and the others are female."
我有三隻狗，一隻是公狗，其他是母狗。
Alright, we’ve learned that we need to keep track of our spending and not make a lot of small purchases and lose money.
But Anne Marie, what is the next tip here?
Well, we read in our lesson next: Make two lists. What are these lists of?
Well, we see here, one list should show your monthly income, such as allowance, wages, or gifts.
Alright, so we have this word income, and that means how much money you are taking in. If you work a job, you have a wage or a salary, but maybe if you are a student, you have an allowance.
Now, what is an allowance?
An allowance is an amount of money that regularly comes in for someone’s needs. Normally, when I hear the word allowance, I do think about students or kids getting an allowance from their mom or dad.
Did you get an allowance growing up, John?
Actually, no, I never got an allowance, but my parents would pay me when I did chores, like mowing the lawn.
That’s kind of how it worked in my house too. I got a weekly allowance, but I only got that allowance if I did my chores.
But we read on here, friends, the other list should show where your money needs to go.
I see. Where does your money need to go? Well, we read, your savings account should be on that list. And friends, a savings account is a little bit different from something called a checking account, right?
A savings account is where you save money, and you don’t spend it with a card or something else.
That’s right. If you have a savings account, usually the idea is that you put your money there and you’re not going to use your debit card to make purchases with that money.
When you use your debit card to make purchases, that comes out of an account called a checking account.
So, that is where your spending comes from. The savings account is where your savings stay.
That’s right. So, put some money in your savings account and let it stay there for a while.
Now we get a great phrase in our reading: In other words, plan to regularly put money into your savings account.
That phrase in other words is a great one, and it kind of sums things up, right?
That’s right. So in other words is used to introduce a statement that repeats what we already know or what we already just heard.
I see. So you could say, "Well, I had a really good time at the event. In other words, it was super fun."
That’s right. Okay, so in other words, you need to plan to regularly put money into your own savings account.
If you do something regularly, it means that you do it frequently on a regular basis.
Consider making a 50-30-20 budget. There are a lot of different ways you can budget, friends. This is just one method.
That means 50 percent of your money goes towards necessities, things that you need, for example, food, housing, things like that.
30 percent goes to things that you want, and 20 percent goes into your savings account.
And that is a great expression: stick to it.
If something is sticky, like tape or glue, it’s hard to let go, right?
So if you stick to something, it means you are committed to it, or you just keep doing it.
It’s kind of like that phrase, "Keep going, don’t give up!"
There are so many ways that you can use stick to it in a sentence. Here’s an example:
If you want to get fit, make a workout plan and stick to it.
That’s right. So make sure you stick to practicing your English. We’re so glad you’re here.
Well, friends, it’s time to have a little bit of fun at the end of today’s serious money lesson.
Let’s see what that guy Ernest Finder has for us today.
Oh, hello, fact friends!
I am detective Ernest Finder, and I have a fun fact for you.
Did you know that five pennies make a nickel and ten pennies make a dime?
A nickel is bigger than a dime, which is strange because a dime is worth twice as much as a nickel.
But one hundred pennies make a dollar. Ha ha!
And that is today’s fun fact. It makes sense.
Alright, well, we learned something new: A nickel is five pennies, and a dime is ten pennies.
Thank you, Ernest!
Well, friends, I want to sum up today’s lesson, Emery, using today’s vocabulary.
Please sum up today’s lesson.
Okay, let’s see. A budget is a good way to make sure you’re not spending too much money.
Okay, and how about, a penny saved is a penny earned? So cut back on your daily bubble tea.
Oh, are you gonna really cut back on your daily bubble tea?
Yeah, I think after today’s lesson, I need to.
Well, friends, that’s all for today’s lesson. I’m John.
My name is Ann Marie.
We’ll see you next time right here on Studio Classroom.
Money-Saving Tips 省錢妙招(下) 空中英語教室 20250102
修正英文文法，保留中文部分，同時將簡體中文修改為繁體中文
Sure! Here’s the revised text with corrections to the English grammar, as well as the conversion of Simplified Chinese to Traditional Chinese:
Hey friends,
I’m John. Today is a great day to learn something new, so let’s do that together. My name is Ann Marie and Anne Marie.
We’ve been talking about how to save money.
They’re called money-saving tips, and we learned a few of them yesterday.
That’s right, friends, we are on day two of our article all about saving money.
We learned about something called a budget, which is a plan for how you are going to spend and save your money.
That’s right! The first part of making a budget is to keep track of your spending, and if you keep track of your spending, then you can cut back or cut down on those purchases that you’re making every day.
That’s right. To make a budget, you need two different lists.
The first list needs to show your monthly income, the money you are taking in, and of course, the second list needs to show where you are spending your money.
But there are other tips to save money, so let’s get into our reading and find out what they are together.
Money-saving tips:
Don’t save your billing information on an online shopping site.
Instead, enter your shipping address and credit card number each time you order. You may make fewer impulse purchases because of the extra work involved.
Also, put the item in your shopping cart and leave it there for a day or longer. That gives you more time to think it over.
Hi, I am Jack, and welcome to Language Lab.
首先來看cart這個名詞，它是指手推車。例如：It was difficult to push the shopping cart throughout the grocery store with one broken wheel.
在雜貨店裡，推著一台壞了其中一個輪子的購物車，購物很困難。
cart也可以當作動詞哦，意思是搬運或運送。例如：I don’t want to cart these heavy suitcases around all day.
我不想整天拖著這麼重的行李箱到處走，或者是：The fruit was loaded onto a truck and carded to the market.
這些水果被裝上卡車運送到市場。
Thanks, Jack. Well, first of all, Emory, we get this great tip for saving money:
Don’t save your billing information on an online shopping site.
First of all, what is billing information?
Okay friends, billing information is any data that allows a person or a company to access your account for payment.
So the idea here is that you’ve shopped on this site before. Maybe it’s a site that you shop on quite a bit. So you save your credit card information, your name, and your address. So anytime you want to buy something, it’s super easy to buy. You don’t have to go to your wallet, get your credit card out, and type in the numbers. No, it’s all saved on the site already.
I see. So you could say, "My online purchase required lots of billing information like my credit card number."
That’s right. Or, "Put your billing information in the blank space below."
So we also see here we’re talking about online shopping, of course.
Those web pages all put together are websites.
We see that word "site" here.
So you enter your shipping address and your credit card number each time you order. This is a way to save money because it’s one extra step before you’re spending it.
And Emory, just to make it clear, we’ve got two terms there:
Your billing information and your shipping address.
Billing information is all about money—how you’re going to pay.
But shipping address is sometimes different. For example, it’s the place that you’re going to send that thing.
Sometimes you might buy something and send it to someone else.
Yeah, that’s right. Or for me, as an example, my billing information is in the United States even though I live in Asia because I have an American credit card.
I see. Now, Emory, I don’t know if you shop a lot online, but we learn a term here: impulse purchases.
We "may make fewer impulse purchases because of the extra work involved."
First of all, an impulse is a sudden strong desire to do something. You are not really thinking about it a lot before. You just have this impulse to buy.
Yeah, so for example, another way you could use "impulse" is: "Cutting her hair was an impulse decision, but she liked the results."
Maybe she didn’t think about cutting her hair for a long time. She just saw a beauty parlor or a salon and walked right in and cut all her hair off.
It was an impulse decision.
Impulse purchases, friends, are when you see something that you weren’t planning to buy and you just buy it without thinking too much about it first.
Do you often shop that way, Jon?
I often do when it comes to food. I make an impulse purchase because I get a sudden desire to eat something yummy.
Friends, you can also use the word "impulse" as an adjective.
You can describe someone as impulsive if they’re always just doing things without thinking them through. They’re impulsive.
That’s right. Let’s move on to the next sentence here.
Put the item in your shopping cart and leave it there for a day or longer.
I do this all the time because sometimes I’m just window shopping online. What that means is I want to see what’s available. I’m not necessarily looking to buy anything.
But if I see something I like, I will just put it in my cart online.
It’s kind of funny that we use this word "cart" because I always think of a physical shopping cart when I see it.
That’s right. Online shopping uses a lot of the words that we take from the real world, right?
Like a cart. But friends, there’s another phrase you need to know: "that gives you more time to think it over."
We just read and "think it over" is an expression you need to know.
That’s right. If you think something over, it means that you consider something carefully before you do any type of action.
Alright, friends, we have more to learn, so let’s continue on with our next reading right now.
Money-saving tips:
Compare mobile phone service plans and switch to a more affordable plan, which can lead to huge savings over time.
Turn off apps and websites that send information about sales, new products, and discounts. You can’t buy what you don’t see.
再來看 discount。
當名詞的時候，它是折扣的意思。例如：
Can you tell me about any in-store discounts or special offers that are available right now?
你能告訴我目前有哪些店內折扣或特別優惠嗎？
或者是：
I can get a fifty percent discount if I buy two of these items.
如果我買兩件這樣的商品，就可以獲得 50% 的折扣。
Discount 作為動詞則表示打折。例如：
The older cars were heavily discounted to make room for new models.
這款車大幅打折，以便為新型車型騰出空間。
Okay, Ann Marie, I’ve thought it over, and I think that we learned some really good advice to avoid impulse purchases online. Did you find that helpful too?
I definitely found that helpful. Let’s review it real quick right here, friends.
So we learned about billing information. That’s so that a company knows where to charge the purchase or how to access your account.
We also talked about impulse purchases—when we buy things without really thinking it over.
That is the last phrase, of course: to think something over means to consider something carefully.
Let’s continue on with this next section here, Dawn.
Okay, there are other ways we can save. One of them is by checking our bills that we get every month.
A bill is something that comes in regularly. It’s a payment. Usually, you get billed for things every month or every few months.
And we read here: Compare mobile phone service plans and switch to a more affordable plan.
A plan is just a nice way of saying your bill.
That’s right.
And we see a couple of things we want to talk about in the first part of this sentence. First, we see this idea of switching to something. What does that mean?
It means to change from one thing to another instead of just canceling your phone...
You’re actually beginning to use a new mobile phone plan. So, for example, I switched to drinking coffee in the morning instead of at lunch so that I can wake up earlier in the day. And here, what it’s talking about is maybe changing phone carriers because the rates are better or more affordable.
“Affordable” is the next word in this sentence, friends. It means something is inexpensive or reasonably priced. That’s right! If something is affordable, for example, you could say, “My clothes are affordable.” I don’t want to spend too much money and go over my budget. You can use “afford” as a verb too. You could say, “I can’t afford a new car this year. I don’t have the money.” That’s right. Okay, so you’re going to start saving money if you switch to a more affordable phone plan over time.
So sometimes you save a lot of money all at once, but sometimes it takes a while, and that’s why we use this phrase “over time.” There are other phrases in English that are like “over time,” for example, “long term,” and they describe things that don’t happen all at once.
Like you say, “Well, friends, as we read together, we see some more advice.” Another tip: turn off apps and websites that send information about sales. And now I know, we like to say "apps" or "an app," but in English, we almost always say "apps," right? That’s right! And I think this is really good advice because I have been a victim of this before, in the form of emails. Sometimes I buy something from a website, and I really like their products, and maybe I was only planning to buy something from that website once, but then, you know what? A few months later, I get an email: “Big sale, 30% off,” and I click the link in that email. All of a sudden, I find myself buying something again. I wouldn’t have even known about the sale if I hadn’t received the email.
My wife does the same thing, Emory, and we learned yesterday, "A penny saved is a penny earned." Sometimes, even though there’s a sale, and you feel like you’re saving money, you’re actually just spending more money. But it is nice to have some things as well.
What can you do finally? Though we read here, “You can’t buy what you don’t see.” How do you think about that? Well, I found that if I don’t go shopping, I don’t spend money. And if I do go shopping, I do spend money. So this seems like common sense to me. You know, during the pandemic, I saved a lot of money because I didn’t see a lot of things. I was just inside all the time.
Well, friends, it’s time to get out and learn a little bit more from today’s Infocloud.
Welcome to Infocloud! Hey, Rex, do you have any New Year’s resolutions this year?
"I want to be better at managing my money and stretching my dollars."
That is a great goal, but be careful not to damage your money when you’re stretching it. Very funny! When we stretch something like our muscles, we extend them or make them longer. Yes, it’s important to stretch your muscles before and after exercising. But we can also stretch resources like our time or money.
Ah yes, that means we try to make them last as long as possible or use them for as many things or in as many ways as possible. So how will you try to stretch your dollars this year, Rex?
"I will buy things when they’re on sale and avoid buying things I don’t need."
Good idea! Another way to stretch your dollars is to find cheaper substitutes for things. You don’t have to buy a name brand if there is a cheaper item of similar quality. Or you can stretch a tank of gas by choosing to walk more often instead of driving.
That’s a good idea too! How about you, friends? Do you have any financial goals this year? Do you want to save money and stretch your dollars?
stretch your dollars 精打細算 在經濟不景氣的年代，我們都需要精打細算，把每塊錢都花在刀口上。英文可以用“stretch your dollar”來形容。dollar是美元，Stretch有拉長的含義。Stretch your dollar就是讓每一塊錢都發揮到淋漓盡致，不浪費任何一毛錢。 "I’m going to stretch my dollars this month." 這個月我要精打細算的過日子。
你也可以stretch your resources。resources就是資源，stretch your resources就是讓你的資源發揮到最大的效用。
這就是今天的focal，我們下次雲端見！
Money saving tips Additionally, cut back on the entertainment services you use, including cable and streaming, and look for free or low-cost options. Saving money does not have to be miserable. Have fun by attending free activities like live music in parks and other community events. Buying brand name products adds up fast. Hunt for fun clothes in second-hand markets. Check out social media groups where people give away or trade items. No matter what you do, remember every dollar saved is a dollar earned.
今天的usage tip是“no matter + WH詞句”。"No matter"意思是無論不管，後面加上WH一問詞，像是what, where, when, how等等，引導出表示讓步的從屬子句，並且依附在主要子句。主詞加be動詞或一般動詞，用來表達就算某狀況發生了，主要子句裡的內容仍然是成立的。
這個語意，“no matter what”也可以改為用“whatever”，“no matter where”用“wherever”，“no matter when”用“whenever”來表示。我們來看一個例句：
“No matter how tired she was, she was determined to finish the work.” 不管有多累，她都決心完成工作。
All right, thank you, Jack. Well, we’re on the last section of our money-saving tips.
I hope you found them as useful as I have. And Marie, what do we read here together?
Well, our lesson says: "Additionally, cut back on the entertainment services you use, including cable and streaming." Let’s stop there for a moment and just review. We already learned this phrase yesterday: "to cut back on something" or "cut down on something," and it just means to use it less.
That’s right! To reduce the amount of times you’re using something. So we cut back on the entertainment services, including cable and streaming, and we look for low-cost or free options. Emory, what is an "option" used here?
Good question! An "option" is a thing that is chosen or a thing that can be chosen. So you have the idea of choices. There are different options that you can choose from.
Oh, I could say, “I didn’t know which flavor of ice cream to pick. There were too many options.” It’s a great word!
It is! And there’s another great word at the end of this sentence: the word "miserable." John, can you define that for us?
Sure! Well, “miserable” means unhappy or unpleasant, and we read "saving money doesn’t have to be miserable." You know what is miserable? Walking in the rain without an umbrella. I hate getting caught in the rain. It’s so miserable!
But let’s read on here, friends. We see: “Have fun by attending free activities like live music in parks and other community events.” You said yesterday, John, that you really enjoy spending time with your family by going out and doing activities, and that’s what you spend money on. And a lot of times, you can find free activities. You just have to know where to look.
It’s true! My wife is really good at knowing when there are free events or museum exhibits to take the kids, and there are lots of them, I’m sure, in your area as well.
That’s right! So you just have to be aware of these things and be looking for them.
Buying brand name products adds up fast. This is one way that you spend a lot of money all at once — by buying something that’s brand name. Sometimes, it can be nice to have a brand name item. Sometimes brand name items are better quality and will last you longer, but that’s not always the case.
Not always! So what you can do, we read, is to hunt for fun clothes in second-hand markets.
When you hunt for something, it means you’re searching for it with determination. You could always say, “I’m hunting for a deal,” or “I’m hunting for a new car.” But there’s also this word here: “second hand.” What does that mean?
If something is second hand, it means that it is owned or used in the past by someone else. It has been owned or used by someone else, so you’re not the first person to have it.
Interesting! Another piece of advice we get here is to check out social media groups where people give away or trade items. I found this really useful when our kids were really little. We were part of a Christian social media group that would just give away lots of baby things, and it helped us so much when it came to saving money.
That’s great! Baby things are expensive, and your kids only use them for a short amount of time, so it’s a great way to save money.
How does our lesson end, though? We read: “No matter what you do, remember every dollar saved is a dollar earned.” That sounds like a familiar phrase, John.
“A penny saved is a penny earned.” Well, I guess you can use that phrase with all different amounts of money.
All right, friends, well, it is that time for fun facts!
Hello, fact friends! I am Detective Ernest Finder, and I have a fun fact for you today: Did you know there is a kind of store called a thrift store where you can buy used items? It’s true! A thrift store is a second-hand store, but what does “thrift” mean?
Well, thrifty節儉的 means knowing how to save money, so thrift is the ability to save money. And that is today’s fun thrifty fact. This was only a dollar!
All right, well, I guess we’ve learned a lot of ways to be thrifty today. Now, Emory, I’ve got a question for you.
Okay! This is our “Talk About It” question for all of us: What is one thing you could cut back on to save money?
I know the answer right away, John! It is impulse purchases. When I’m going out, and I’m not expecting to spend money, but I do, and I buy something I wasn’t planning on buying.
That’s right! Those impulse purchases will get you. And remember, a dollar saved is a dollar earned, friends!
That’s all the time we have for today. I’m John, my name is Anne Marie, and we’ll see you next time, right here on Studio Classroom.
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