节目资讯
刊物:空中英语教室
日期:2012-05-02
难易度:High
关键字:perpetually, assumption, sock something away, proficiency
Hi, friends.
Welcome to Studio Classroom Worldwide.
Thanks for taking time out of your day to study English with us.
My name is Steve.
So what do you think, routinely taking a portion of your income and setting it
aside each month?
Well, it seems so last-century, doesn't it?
Today, with buying on credit as popular as it is, it seems we're losing that
discipline of saving.
Well, it's time to get back into this healthy habit.
And this month Studio Classroom DO IT YOURSELF lesson is a good place to start.
So please join me now as we dive into the second day of our lesson, Saving for a
Rainy Day, on page 13.
(Music).
Saving for a Rainy Day.
Step 2: Pay yourself first.
Some find themselves perpetually planning to save but never actually saving.
This happens when people make the assumption that they will follow a budget and
save whatever extra money is left over.
Unfortunately, when the end of the month arrives, they rarely have anything
left.
The simple solution to this problem is to "pay yourself first." Rather than
waiting until the end of the month and saving excess money,
decide how much you need to sock away.
Then save it before dealing with your other expenses.
Hello, everyone.
Thank you for joining us.
My name is Ryan.
And my name is Kaylah.
And today we're talking about investing.
We know it's hard to save.
We learned that yesterday.
It's not easy to save money.
But we have some tips to help you save money for the future.
Right. It doesn't always have to be difficult.
And so yesterday we were looking at our first step.
We were looking at how you can actually separate your... your money the way
you're saving it in different categories with different goals.
So we talked about our goals yesterday and the different categories.
And we're moving on to step 2.
And that is: Pay yourself first.
Hmm, pay yourself first.
Let's see what this actually means.
Some people find themselves perpetually planning to save but never actually do.
That's right.
Now I like the idea of paying myself, Ryan.
I think that sounds great.
I would love to pay myself money.
But how does this work?
Well, we're kind of looking, I think, at what we were talking about yesterday.
People like to save for something.
They want to save for the future, or they plan to save, but they just never
actually end up saving.
They're just perpetually planning.
That's right. You perpetually do something.
When you are doing something "perpetually," that means you are continuely doing
it, forever and ever, over and over and over again.
So maybe you perpetually like to watch your favorite movie.
Or you perpetually pet your dog when you come in; you do it every single time it
happens.
Yeah. Someone may be perpetually falling asleep in class.
I've seen that one before.
It keeps happening over and over again.
And especially when we want to save money, it seems like, at least for me, and I
think many of you, you keep trying to save but it doesn't always happen.
That's right.
Well, this happens when people make the assumption that they will follow a
budget and save whatever extra money is left over.
So we see this happens often; obviously it's perpetual.
Now why does this happen?
Well, we're seeing here that people are making that assumption.
And then an "assumption" is when you believe that something is true.
That's what you honestly think is true, but maybe it might not actually be true.
They make the assumption that they will follow a budget, but they might not
always be able to do that.
That's right.
Now we do often assume things.
So be careful what assumptions you have about people and about things.
Now you do want to follow a budget if you can, but that's very hard.
And a budget is just the plan of how much money you will bring in, and how much
money you're going to spend.
Right. And so when people, they maybe look at their budget and they think: OK,
this is what I can spend.
Unfortunately, they might end up spending a lot more at the end of the month.
They rarely have anything left.
That's right.
They think: Oh, I'll just follow these rules.
It will be easy.
I'll have money left over.
But that's not always the case.
Rarely do they have anything left.
That means most often, they do not.
Right. So maybe you're spending too much money on each of those things.
But you thought: OK. I'll spend a certain amount here. But then you end up
spending a little bit more on each category.
And you end up spending more money than you planned.
And since you thought you had enough, maybe you went and bought something nice
for yourself too, or you decided to go on a trip.
And so now you have nothing left.
So what is the solution to this, Kaylah?
Well, it's a simple solution.
The problem can be solved by just paying yourself first.
OK, pay yourself first.
And again, we still don't really know what that means yet.
So let's continue on in this paragraph.
Rather than waiting until the end of the month and saving excess money, decide
how much you need to sock away at the beginning.
That's right.
So that is what it means to pay yourself first.
Instead of saying I will save what I have left over, instead, save at the
beginning of the month and only use what is left over.
Right. And many of us are guilty of not doing this.
I know I have many times.
I only have a budget for how much I need to spend, not how much I need to sock
away.
Now when you "sock away something," that means you save money by putting it into
a bank or by investing.
That means you've kept it in a safe place very specifically.
It's another way or a more creative way of saying saving.
Yeah. And this will keep us from spending excess money.
Now would you like to talk a little bit about what excess money might be?
Well, excess money means more than you should, more than you have.
Well, then save before dealing with your other expenses.
So you don't spend excess, you save before you have anything else that you pay
for.
That's right. OK.
Now we've learned a lot about how you can plan at the beginning of the month
instead of waiting.
And that way you'll have more money saved and you can spend it on things like
emergencies.
That's right.
Well, let's take a break and visit the Chat Room.
Hey, Bryan. Did you just have lunch?
Yes, I did.
Did you have lunch too?
Yes. I met a friend for sandwiches at the cafe.
What did you have?
I just brought in some leftovers from home.
Leftovers?
I don't think I've ever tried that dish.
Actually, it's not a specific dish.
Leftovers are the food that's left when you're done with a meal.
Oh, so you saved some of the food from dinner last night and had it for lunch
today.
That's right.
Specifically, I had leftover spaghetti and meatballs for lunch.
Leftover spaghetti and meatballs.
So "leftover" can be used as an adjective?
Yes. But when we use it as a noun describing food, it's always plural.
So leftovers, with an S, is the noun.
And leftover, with no S, is the adjective.
That's right.
We can also talk about things other than food being leftover.
So if you plan to spend a certain amount of money but don't use all of it, you
have leftover money?
Yes. That's a great example.
And let me know, Ken, if you'd like to give away some of your leftover money.
Don't worry.
That rarely happens.
So when you write "leftover," is it one word or two words?
It depends.
When "leftover" comes before a noun, it's one word.
But when it's at the end of a sentence, it's two.
So if I say that the spaghetti you had was "left over," that's two words.
Right.
But when you say it was leftover spaghetti, that's one word.
Hmm. That's really interesting.
Thanks for the explanation.
No problem, Ken.