Do you budget your money? Are you saving for anything special?
How do you manage your money? You’ll learn some personal finance vocabulary on this week’s episode.

Audio message from Thayane from Brazil

Audio message from Federico from Argentina – a self-confessed AIRCoholic!

International Business: https://inglespodcast.com/252
The economy and trends: https://inglespodcast.com/117

ITALKI https://go.italki.com/aprenderingles
“Get $10 USD in italki Credits with your first purchase”

Personal Finance

alcancía (una hucha): piggy bank (more for a child), money box.
Collection box in a church
kitty
petty cash
401(k) (US) – a savings plan for retirement – never heard of it!
to budget
disposable income
household budget
personal expenses
to save for a rainy day
to put money away
to earn interest (on)
compound interest
to invest in stocks and shares
The stock market
to invest in property, real estate
to pay money in/deposit (to make a deposit) and to draw it out/withdraw/take it out (to make a withdrawal)
cashpoint / ATM/ cash dispenser/ hole in the wall
to make a (bank) transfer/ to transfer money

I’ve never had money to burn
I make ends meet – I get by
I’ve always lived from hand to mouth
I’ve never borrowed money
I’ve only been overdrawn once or twice (an overdraft)
to scrimp and save
Best way to track your money?
Income and expenses

Budgeting spreadsheet: https://www.vertex42.com/ excel sheet personal monthly budget.

What percentage of your income do you spend on:
Clothes
Food
Accommodation and household bills
Transport
Holidays
Sport and fitness
Medical care
Hobbies
Entertainment
I.T.
Cosmetics
Savings (Pension plan etc)
other….

…and now it’s your turn to practise your English.
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On next week’s episode: Mexico

The music in this podcast is by Pitx. The track is called ‘See You Later’