main u2 VocabularyFocus LessonBTheglobaleconomy LessonAAreyouasavvysaver Whatdoyouspendyourmoneyon Whichofthefollowingdoyouusuallyspendyourmoneyon Circlethewords books magazinesrentmoviesmusicsociallifeclothingtriptransportationsfoodthegymother Pairwork Lookatthepiechartofoneperson sspendinghabits Thendrawyourownchartonaseparatepieceofpaper Compareitwithapartner LessonA1 1 VocabularyFocus That saneasyquestion Iloveshoppingandtakingtrips Iworkincomputerprogramming thehoursarelongandIbelieveinrewardingmyselfwithsomethingniceasoftenasIcan Forexample Igoabroadatleasetwiceayear Savingmoneyisn treallyapriorityformerightnow MaybeI llsettledowninafewyears Goal Findanewjobwithabettersalaryandbenefits likehealthinsuranceandmoredaysoff Nikki 25 Readhowthesepeopleanswerthequestion Whatdoyouspendyourmoneyon Payattentiontothewordsinblue LessonA1 2 LessonBTheglobaleconomy LessonAAreyouasavvysaver VocabularyFocus Mostofmypaygoestowardmyhouse Imakegoodmoney butIdon tleadanextravagantlifestyle byanymeans Idon tdriveasportscarorwearexpensiveclothes Onceinawhile Iliketosplurgeonabottleoffinewineoranexpensivedinner ButIreallyhavetobudgetcarefullytomakeendsmeet Goal Investmoreinthestockmarket Putawaymoneyforretirement Vincenzo 34 IlivepaychecktopaycheckandhavetowatchhowIspendmymoney Itusuallygoestowardsensiblethings likegroceries gas andmykids education Beingasinglemomisrough Ican tsquandermoneyonsillythingslikeelectronictoysandfancyclothesIdon treallyneed Still stickingtoabudgetcanbetough everythingcostssomuchmoney Goal Getoutofdebtandthensavesomemoney Maria 40 LessonA1 3 LessonBTheglobaleconomy LessonAAreyouasavvysaver VocabularyFocus Iinheritedalotofmoneyfrommygrandparentsandhavebeenenjoyinganeasylifeforawhile MyfathersaysIcan tsustainmyexpensivelifestyleforever somedaythemoneywillrunout I mstartingtothinkhe sright I vemaxedouttwoofmycreditcardsonthingslikevacations cars andexpensiverestaurants Goal Getajob getmyfinancesinorder andpayoffmycreditcards Takeshi 27 LessonA1 4 LessonBTheglobaleconomy LessonAAreyouasavvysaver VocabularyFocus Pairwork LookatthewordsandphrasesinblueinB Whichonesdescribebehavioraboutmoney Writetheminthecorrectcolumninthechartbelow Responsiblebehavior Irresponsiblebehavior makeendsmeet invest putawaymoney sticktoabudget getoutofdebt getmyfinancesinorder payoffmycreditcards splurge livepaychecktopaycheck squander runout maxoutmycreditcards Keys LessonA1 5 LessonBTheglobaleconomy LessonAAreyouasavvysaver Weneedaplan HerearesomewordsandphrasesyouwillhearinA B andC Readthemaloud Listening LessonA1 6 LessonBTheglobaleconomy LessonAAreyouasavvysaver LanguageNotes they vemaxedouttheircreditcardsandneedtomakeabudget Track5 2 1 CarrieandJoelareayoungmarriedcouple TheyaremeetingMr Young afinancialadvisor Listentothefirstpartoftheirconversationandcompletethesentence CarrieandJoelaremeetingwithMr Youngbecause Keys Listening LessonA1 7 LessonBTheglobaleconomy LessonAAreyouasavvysaver Keys Listentotherestoftheirconversation WhatsuggestionsdoesMr Youngmake Takenotes ThenmarkhowJoelandCarriefeelabouthissuggestions Track5 2 2 Mr Young CarrieandJoel thecar magazines cableTV entertainment verypositive lesspositive verypositive lesspositive verypositive lesspositive Listening Sellnewcar buyausedone Cutbackonhalfthemagazines eliminatecableTV Bringcoffeefromhome LessonA1 8 LessonBTheglobaleconomy LessonAAreyouasavvysaver 1 It sCarrieandJoel s timevisitingwithafinancialadvisor 2 Beforetheirmeeting Mr Youngasksthecoupletodoalittlehomework tocreatea ofsortsontheirown 3 CarrieandJoelfeelthatiftheydon tgetthingsundercontrol they llbeinbig 4 Mr Youngaskswhethertheyknowhowtheyhavegotintothat 5 Joelanswers boughtanew center wenton totheBahamas boughtanewcar allcreditcards Carrieanswers nofinancialplan living havinganxiety 7 Mr Young ssuggestion take atatimetolessenanxiety start expenses then make ontheseexpensesa Keys first entertainment trouble budget situation Nowlistentothewholeconversation Completeeachsentencewithwordsandinformationyouhear Track5 2 3 vacation maxedout paychecktopaycheck attacks onestep tracking cuttingback LessonA1 9 LessonBTheglobaleconomy LessonAAreyouasavvysaver priority 8 Mr Young first eliminatebiggerexpenses sellthenewcar orgeta one startspendinglessmoneyingeneral makingsome changes 9 Carrie ayearonmagazines about ayearoncableTV 10 Mr Young ssuggestion cutbackonhalfofthe plus the 720forcable 11 Carrie almost savedoverayear 12 Mr Young whataboutentertainment thingslikegoingtothemovies goingouttoeat 13 Carrie gotothemoviesorseea somewhereonceortwiceamonth 14 Joel fordinneronSaturdays butmostoftheweek eatathome Keys used small 250 720 magazines eliminate 900 concerts clubbing band meetfriends LessonA1 10 LessonBTheglobaleconomy LessonAAreyouasavvysaver 15 Carrie get attheChineserestaurantaboutonceaweek 16 Joel usually acupofcoffeeinthemorning onthewaytowork 17 Mr Young take fromhome Keys take out grab yourown LessonA1 11 LessonBTheglobaleconomy LessonAAreyouasavvysaver Listening PairWork Discussthefollowing