Tin Tức

1. Questions

Part 1 – Money & Personal Finance (10 Questions)

1. Are you good at saving money?

2. What do you usually spend money on?

3. Do you prefer saving money or spending it?

4. Did you receive pocket money when you were a child?

5. Is money important to you?

6. What kinds of things do young people like buying nowadays?

7. Have your spending habits changed over time?

8. Do you prefer paying with cash or by card?

9. Do you think it is important to learn financial management?

10. Would you like to become wealthy in the future?

Part 2 – Cue Card 
Describe something expensive that you bought or would like to buy.

You should say:

• what it is

• why it is expensive

• when you bought it or want to buy it

• and explain why it is important to you.

Part 3 – Money & Personal Finance Discussion (10 Questions)

1. Why do some people save money while others spend it quickly?

2. Is financial education important for young people?

3. How has technology changed the way people use money?

4. Do people nowadays spend too much money on unnecessary things?

5. Should parents teach children about money management?

6. Why do some people become obsessed with money?

7. Is it better to enjoy money now or save for the future?

8. How does advertising influence people’s spending habits?

9. Can money bring happiness?

10. What are the disadvantages of being wealthy?

 

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2. Questions & Answers

Question 1: Are you good at saving money?

I think I am relatively careful with money because I usually try to balance spending and saving responsibly. Although I occasionally buy things that I enjoy, I prefer planning my expenses carefully instead of spending impulsively. In addition, I believe financial stability is extremely important for future goals and unexpected situations. Saving money also helps reduce financial stress and increases independence.

Financial stability (n.phr): sự ổn định tài chính
e.g: Jobs provide financial stability.

Unexpected situation (n.phr): tình huống bất ngờ
e.g: Savings help during unexpected situations.

Spend impulsively (v.phr): tiêu xài bốc đồng
e.g: Teenagers sometimes spend impulsively.

Financial stress (n.phr): áp lực tài chính
e.g: Debt causes financial stress.

 

Question 2: What do you usually spend money on?

I mainly spend money on education, food, transportation, and personal needs because those expenses are necessary in daily life. Sometimes I also spend money on hobbies, entertainment, or self-improvement activities such as books and fitness training. In addition, I try to avoid unnecessary purchases unless they are genuinely useful or meaningful. I think spending habits should reflect people’s priorities and financial situations.

Self-improvement (n.phr): phát triển bản thân
e.g: Reading supports self-improvement.

Necessary expense (n.phr): chi phí cần thiết
e.g: Rent is a necessary expense.

Personal need (n.phr): nhu cầu cá nhân
e.g: Students have personal needs.

Financial situation (n.phr): tình hình tài chính
e.g: Families consider financial situations.

 

Question 3: Do you prefer saving money or spending it?

I prefer balancing both because saving money is important for future security, while spending money reasonably can improve quality of life and personal happiness. I think saving excessively without enjoying life may create unnecessary pressure, but irresponsible spending can cause financial problems later. Therefore, managing money wisely is probably more important than focusing entirely on either saving or spending.

Future security (n.phr): sự đảm bảo tương lai
e.g: Savings provide future security.

Quality of life (n.phr): chất lượng cuộc sống
e.g: Income affects quality of life.

Irresponsible spending (n.phr): chi tiêu thiếu trách nhiệm
e.g: Irresponsible spending creates debt.

Manage money wisely (v.phr): quản lý tiền khôn ngoan
e.g: Adults should manage money wisely.

 

Question 4: Did you receive pocket money when you were a child?

Yes, I received pocket money from my parents when I was younger, although the amount was relatively limited. They wanted me to learn financial responsibility and understand the value of money from an early age. Sometimes I saved part of the money instead of spending everything immediately because my parents encouraged careful spending habits. I think pocket money can teach children important financial skills.

Financial responsibility (n.phr): trách nhiệm tài chính
e.g: Teenagers should learn financial responsibility.

Careful spending habit (n.phr): thói quen chi tiêu cẩn thận
e.g: Parents teach careful spending habits.

Value of money (n.phr): giá trị của đồng tiền
e.g: Children should understand the value of money.

Limited amount (n.phr): số lượng hạn chế
e.g: Students often have limited amounts of money.

 

Question 5: Is money important to you?

Yes, money is important because it provides security, independence, and access to opportunities in life. Although I do not think money is the only source of happiness, financial stability can reduce stress and improve quality of life significantly. In addition, money allows people to support their families, pursue education, and achieve long-term goals. I believe money should be viewed as a tool rather than the ultimate purpose of life.

Long-term goal (n.phr): mục tiêu dài hạn
e.g: Savings support long-term goals.

Financial independence (n.phr): độc lập tài chính
e.g: Adults want financial independence.

Source of happiness (n.phr): nguồn hạnh phúc
e.g: Relationships are important sources of happiness.

Pursue education (v.phr): theo đuổi giáo dục
e.g: Scholarships help students pursue education.

 

Question 6: What kinds of things do young people like buying nowadays?

Nowadays, many young people enjoy buying technology products, fashionable clothing, cosmetics, and entertainment-related items. In addition, social media strongly influences consumer behavior because trends spread very quickly online. Some young people also spend money on experiences such as travel, concerts, or fitness activities rather than physical products alone. I think modern lifestyles have changed spending priorities significantly.

Consumer behavior (n.phr): hành vi tiêu dùng
e.g: Advertising affects consumer behavior.

Entertainment-related item (n.phr): vật phẩm liên quan giải trí
e.g: Teenagers buy entertainment-related items.

Spending priority (n.phr): ưu tiên chi tiêu
e.g: Adults have different spending priorities.

Social trend (n.phr): xu hướng xã hội
e.g: Fashion follows social trends.

 

Question 7: Have your spending habits changed over time?

Yes, my spending habits have become more responsible as I have grown older and become more aware of financial management. In the past, I sometimes bought things impulsively because I focused mainly on enjoyment rather than practicality. However, now I usually consider usefulness, quality, and long-term value before making purchases. I think maturity often changes people’s attitudes toward money.

Financial management (n.phr): quản lý tài chính
e.g: Schools should teach financial management.

Long-term value (n.phr): giá trị lâu dài
e.g: Education has long-term value.

Impulsive purchase (n.phr): mua sắm bốc đồng
e.g: Sales encourage impulsive purchases.

Practicality (n): tính thực tế
e.g: Adults value practicality.

 

Question 8: Do you prefer paying with cash or by card?

I prefer paying by card or digital payment methods because they are faster, more convenient, and safer in many situations. Digital payments also make it easier to track expenses and manage finances more effectively. However, cash can still be useful in certain situations, especially in smaller shops or local markets. I think modern technology has changed payment habits significantly.

Digital payment (n.phr): thanh toán kỹ thuật số
e.g: Young people use digital payments daily.

Track expense (v.phr): theo dõi chi tiêu
e.g: Applications help track expenses.

Payment habit (n.phr): thói quen thanh toán
e.g: Technology changes payment habits.

Local market (n.phr): chợ địa phương
e.g: Cash is common in local markets.

 

Question 9: Do you think it is important to learn financial management?

Yes, financial management is extremely important because it helps people make responsible decisions about spending, saving, and investing money. Without financial knowledge, many individuals may struggle with debt or financial instability in the future. In addition, learning financial skills early can improve independence and long-term planning abilities. I think schools should include more practical financial education.

Financial knowledge (n.phr): kiến thức tài chính
e.g: Students need financial knowledge.

Financial instability (n.phr): bất ổn tài chính
e.g: Poor planning causes financial instability.

Long-term planning (n.phr): kế hoạch dài hạn
e.g: Adults need long-term planning skills.

Practical education (n.phr): giáo dục thực tiễn
e.g: Schools should provide practical education.

 

Question 10: Would you like to become wealthy in the future?

Yes, I would like to become financially successful because wealth can provide freedom, security, and opportunities for personal growth. However, I do not think wealth alone guarantees happiness because relationships, emotional well-being, and personal values are equally important. I would prefer achieving financial success through meaningful and ethical work rather than focusing only on money itself. I think balance is extremely important in life.

Financial success (n.phr): thành công tài chính
e.g: Entrepreneurs pursue financial success.

Personal value (n.phr): giá trị cá nhân
e.g: Families teach personal values.

Ethical work (n.phr): công việc có đạo đức
e.g: Professionals should value ethical work.

Emotional well-being (n.phr): sức khỏe tinh thần
e.g: Friendships improve emotional well-being.

 

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Part 2: Describe something expensive that you bought or would like to buy.

One expensive thing that I would really like to buy in the future is a high-quality laptop for studying and professional work. Since I spend a large amount of time studying, researching, writing documents, and attending online activities, I think having a reliable device is extremely important for both productivity and convenience. Although laptops can be very expensive, especially advanced models designed for long-term performance, I believe it would be a worthwhile investment for my education and future career.

At the moment, I have not purchased it yet because I still want to save enough money and carefully compare different options before making a final decision. A high-performance laptop often costs a significant amount of money due to its advanced technology, processing power, storage capacity, and durability. In addition, well-known brands usually charge higher prices because people trust their quality and long-term reliability. I think expensive electronic devices should be chosen carefully because they are long-term investments rather than temporary purchases.

One reason why this laptop is important to me is because it would support both my academic goals and future professional development. As a student, I often need to read documents, prepare presentations, conduct research, and manage large amounts of information efficiently. A faster and more reliable laptop could improve productivity significantly and reduce technical problems during important tasks. In addition, I am interested in fields that require extensive computer use, so having good technology would be extremely beneficial in the long run.

Another reason why I want to buy it is because technology has become increasingly important in modern education and work environments. Nowadays, many educational activities, meetings, and professional responsibilities are completed digitally, so electronic devices are almost essential for communication and learning. I think investing in useful technology is more practical than spending large amounts of money on luxury products that provide only temporary satisfaction.

However, I also believe people should avoid buying expensive items purely for social status or unnecessary competition. Before purchasing something costly, it is important to consider financial conditions, actual needs, and long-term value carefully. Personally, I prefer buying things that genuinely improve productivity, comfort, or personal growth rather than purchasing products only to impress other people.

Overall, a high-quality laptop is one expensive item that I would really like to own in the future because it would support my education, productivity, and professional goals. Although it requires a considerable financial investment, I think the long-term benefits would make it extremely worthwhile. For me, useful technology is not simply entertainment but also an important tool for future success.

Worthwhile investment (n.phr): khoản đầu tư đáng giá
e.g: Education is a worthwhile investment.

Long-term performance (n.phr): hiệu suất lâu dài
e.g: Expensive devices offer long-term performance.

Processing power (n.phr): sức mạnh xử lý
e.g: Gaming laptops require strong processing power.

Storage capacity (n.phr): dung lượng lưu trữ
e.g: Students need large storage capacity.

Professional development (n.phr): phát triển nghề nghiệp
e.g: Courses support professional development.

Technical problem (n.phr): vấn đề kỹ thuật
e.g: Poor devices create technical problems.

Luxury product (n.phr): sản phẩm xa xỉ
e.g: Some people spend money on luxury products.

Financial investment (n.phr): đầu tư tài chính
e.g: Property is a financial investment.

 

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Part 3 – Discussion

Question: Why do some people save money while others spend it quickly?

People have different attitudes toward money depending on personality, lifestyle, upbringing, and financial experience. Some individuals prefer saving because they value security and long-term stability, while others prioritize enjoyment and immediate satisfaction. In addition, financial education and family background strongly influence spending habits. I think balance is important because both excessive saving and irresponsible spending can create problems.

Immediate satisfaction (n.phr): sự thỏa mãn tức thời
e.g: Shopping provides immediate satisfaction.

Financial education (n.phr): giáo dục tài chính
e.g: Schools should teach financial education.

Long-term stability (n.phr): sự ổn định lâu dài
e.g: Savings provide long-term stability.

Spending habit (n.phr): thói quen chi tiêu
e.g: Parents influence spending habits.

 

Question: Is financial education important for young people?

Yes, financial education is extremely important because young people need practical knowledge about saving, budgeting, and managing money responsibly. Without financial skills, many individuals may struggle with debt or poor spending habits in adulthood. In addition, understanding personal finance can improve independence and future planning abilities. I think schools should provide more financial education alongside academic subjects.

Budgeting skill (n.phr): kỹ năng lập ngân sách
e.g: Adults need budgeting skills.

Personal finance (n.phr): tài chính cá nhân
e.g: Students should learn personal finance.

Poor spending habit (n.phr): thói quen chi tiêu kém
e.g: Advertising encourages poor spending habits.

Financial independence (n.phr): độc lập tài chính
e.g: Jobs create financial independence.

 

Question: How has technology changed the way people use money?

Technology has changed financial behavior significantly because digital banking and online payments are now faster and more convenient than traditional methods. People can transfer money, shop online, and manage accounts instantly through smartphones or applications. In addition, technology allows users to track expenses more efficiently and access financial services more easily. However, digital payments may also encourage impulsive spending because transactions feel less tangible than cash payments.

Digital banking (n.phr): ngân hàng số
e.g: Young adults use digital banking daily.

Online payment (n.phr): thanh toán trực tuyến
e.g: Online payments are convenient.

Financial service (n.phr): dịch vụ tài chính
e.g: Banks provide financial services.

Impulsive spending (n.phr): chi tiêu bốc đồng
e.g: Online shopping increases impulsive spending.

 

Question: Do people nowadays spend too much money on unnecessary things?

In many cases, yes, because modern advertising and social media strongly encourage consumerism and impulsive buying behavior. Many individuals purchase luxury items, fashionable products, or expensive technology mainly because of trends or social pressure rather than genuine necessity. In addition, online shopping has made spending money extremely convenient and accessible. I think people should focus more on practical value and responsible financial management.

Buying behavior (n.phr): hành vi mua sắm
e.g: Advertising affects buying behavior.

Social pressure (n.phr): áp lực xã hội
e.g: Teenagers experience social pressure.

Practical value (n.phr): giá trị thực tế
e.g: Adults prioritize practical value.

Consumerism (n): chủ nghĩa tiêu dùng
e.g: Consumerism influences modern lifestyles.

 

Question: Should parents teach children about money management?

Yes, parents should definitely teach children financial responsibility from an early age because money management is an essential life skill. Teaching children about saving, budgeting, and responsible spending can help them become more independent and financially aware in the future. In addition, practical experiences such as managing pocket money can improve decision-making abilities. I think financial habits developed during childhood often continue into adulthood.

Essential life skill (n.phr): kỹ năng sống thiết yếu
e.g: Communication is an essential life skill.

Financial awareness (n.phr): nhận thức tài chính
e.g: Teenagers need financial awareness.

Responsible spending (n.phr): chi tiêu có trách nhiệm
e.g: Parents teach responsible spending.

Decision-making ability (n.phr): khả năng ra quyết định
e.g: Experience improves decision-making abilities.

 

Question: Why do some people become obsessed with money?

Some people become obsessed with money because they associate wealth with success, social status, or personal security. In competitive societies, financial achievement is often viewed as a symbol of power and respect, which may create excessive pressure to earn more money continuously. In addition, fear of poverty or financial instability can strongly influence people’s attitudes toward wealth. I think balance and personal values are very important.

Social status (n.phr): địa vị xã hội
e.g: Wealth influences social status.

Financial achievement (n.phr): thành tựu tài chính
e.g: Entrepreneurs pursue financial achievement.

Fear of poverty (n.phr): nỗi sợ nghèo đói
e.g: Fear of poverty motivates some people.

Personal value (n.phr): giá trị cá nhân
e.g: Families teach personal values.

 

Question: Is it better to enjoy money now or save for the future?

I think both are important because people should enjoy life while also preparing for future responsibilities and unexpected situations. Spending money reasonably on experiences, education, or personal happiness can improve quality of life, but saving is necessary for long-term security and financial stability. In my opinion, responsible financial balance is better than focusing entirely on either extreme. Financial planning should match personal goals and lifestyle.

Financial planning (n.phr): kế hoạch tài chính
e.g: Adults need financial planning.

Unexpected situation (n.phr): tình huống bất ngờ
e.g: Savings help during unexpected situations.

Long-term security (n.phr): sự đảm bảo lâu dài
e.g: Insurance provides long-term security.

Quality of life (n.phr): chất lượng cuộc sống
e.g: Income affects quality of life.

 

Question: How does advertising influence people’s spending habits?

Advertising strongly affects consumer behavior because it encourages people to purchase products through emotional appeal, trends, and social influence. Many advertisements create unrealistic expectations by connecting products with beauty, success, or happiness. In addition, social media marketing has become especially powerful because influencers can affect purchasing decisions directly. I think advertising significantly shapes modern spending culture.

Emotional appeal (n.phr): sự thu hút cảm xúc
e.g: Advertisements use emotional appeal.

Purchasing decision (n.phr): quyết định mua hàng
e.g: Reviews influence purchasing decisions.

Unrealistic expectation (n.phr): kỳ vọng phi thực tế
e.g: Media creates unrealistic expectations.

Consumer behavior (n.phr): hành vi tiêu dùng
e.g: Companies study consumer behavior.

 

Question: Can money bring happiness?

Money can contribute to happiness because financial security reduces stress and provides comfort, opportunities, and independence. However, money alone cannot guarantee emotional fulfillment or meaningful relationships. Many wealthy people still experience loneliness or emotional dissatisfaction despite financial success. I think happiness depends more on balance, personal values, and emotional well-being than wealth alone.

Financial security (n.phr): an ninh tài chính
e.g: Jobs provide financial security.

Emotional fulfillment (n.phr): sự thỏa mãn cảm xúc
e.g: Friendships create emotional fulfillment.

Emotional dissatisfaction (n.phr): sự không hài lòng cảm xúc
e.g: Stress causes emotional dissatisfaction.

Meaningful relationship (n.phr): mối quan hệ ý nghĩa
e.g: Families provide meaningful relationships.

 

Question: What are the disadvantages of being wealthy?

Being wealthy can create pressure, social expectations, and concerns about maintaining financial success. Some wealthy individuals may struggle with privacy issues or difficulty trusting others because they fear exploitation or insincere relationships. In addition, excessive focus on money can sometimes negatively affect emotional well-being and personal values. I think wealth provides advantages, but it also brings responsibilities and challenges.

Social expectation (n.phr): kỳ vọng xã hội
e.g: Celebrities face social expectations.

Privacy issue (n.phr): vấn đề riêng tư
e.g: Famous people experience privacy issues.

Insincere relationship (n.phr): mối quan hệ không chân thành
e.g: Wealth may attract insincere relationships.

Personal value (n.phr): giá trị cá nhân
e.g: Families shape personal values.

 

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