Tuần này Ce Phan biên soạn các bài học liên quan tới chủ đề Earning money - Spending money (kiếm tiền và tiêu tiền) và đăng tải lên hệ thống Timeline Learning. Đây là bài thực hành kỹ năng Listening dành cho các bạn theo đuổi kỳ thi IELTS. 

Exercise 1: Listen here


Identification and security check: Platinum Card Service

Card number:  6992 (1) .................... 1147 8921

Name:  Carlos da Silva

Postcode: (2) ....................

Address: (3) .................... Vauxhall Close, London

Date of birth:   13 July (4) ....................

Mother,s maiden name: (5) ....................

Before the caller and operator continue the telephone conversation, look at Questions 6 to 10

6)    The caller has paid ___________
   A    less than the computer shows.
   B    more than the computer shows.
   C    £500 twice.
7)    The caller is also worried about 
   A    a bill that is too high.
   B    an overpayment to a restaurant.
   C    a payment that he does not recognize.
8)    The interest 
   A    went up in April.
   B    has not changed.
   C    has gone down.
9)    The caller's number is 
   A    020 7997 9909.
   B    020 7989 7182.
   C    020 8979 7182.
10)    The operator will ring the caller 
   A    tomorrow.
   B    in two hours.
   C    very soon.


Exercise 2: Bank account

Useful phrases:

  • can seem overwhelming:    dường như áp đảo
  • receive wages:                    nhận lương
  • pay household bills:             trả các hoá đơn sử dụng các tiện ích trong nhà
  • take money out:                   rút tiền
  • day-to-day:                           ngày qua ngày
  • go overdrawn:                       rút quá số dư
  • go into the red:                      thiếu hụt tiền
  • pay fees, pay interest:          trả phí, trả lãi

Listen to the recording and fill each gap in the summary with ONE word only.

Opening or switching a bank account can seem (11)______, so it’s important to start by thinking about why you need a bank account. You may need it in order to receive (12)______ or benefits, to pay (13)______ bills, to take money out of cash (14)______, or to make payments using a debit card.

Different types of accounts are available. Current accounts are good for (15)______ your day-to-day money. They allow you to go (16)______, so you’ll have to pass a credit check when you apply for one. If you go into the (17)______ you’ll have to pay fees and (18)______. Basic bank accounts are similar to current accounts, but they don’t let you go overdrawn.


Exercise 3: (listen here)

Useful phrases:

  • Socialism and Capitalism: chủ nghĩa xã hội và chủ nghĩa tư bản
  • (to) have fewer pretensions: có sự kỳ vọng ít hơn
  • (to) question a lot of the assumptions: đặt câu hỏi cho nhiều giả định
  • fundamental differences: sự khác biệt căn bản
  • economic matters: những vấn đề kinh tế
  • (to) put money aside for: dành dụm tiền cho
  • this is rather disturbing: điều này trở nên đáng lo ngại
  • (to) have a spouse: có một người bạn đời
  • (to) create a poverty cycle: chu kỳ nghèo (hết tiền)
  • (to) take a crisis: gặp một cuộc khủng hoảng
  • (to) get oneself properly informed: nhận được sự xác nhận (thông báo) xác đáng
  • low-risk investments: đầu tư với rủi ro thấp
  • financial advisors: các nhà cố vấn tài chính
  • economic consequences: những hậu quả về kinh tế/ tài chính

Questions 19-23: Complete the sentences below.


You will hear part of a lecture, given by an economist, about North American women's attitude to money and saving.

19) Bernard Shaw, men are supposed to understand .................... economics and finance.

20) However, women are more prepared to .................... about them.

21) Women tend to save for .................... and a house.

22) Men tend to save for .................... and for retirement.

23) Women who are left alone may have to pay for .................... when they are old.

Questions 24-28: Complete the summary below.


Saving for the future
Research indicates that many women only think about their financial future when a (24).................... occurs. This is the worst time to make decisions. It is best for women to start thinking about pensions when they are in their (25) .................... A good way for women to develop their (26) .................... in dealing with financial affairs would be to attend classes in(27) .................... When investing in stocks and shares, it is suggested that women should put a high proportion of their savings in (28) .................... In such ways, women can have a comfortable, independent retirement.


Exercise 4: How to save money

Listen to the recording and fill each gap in the summary with ONE word only.

It's impossible to stop spending completely, but you can stop (29)______ spending, or (30)______ it. You really need to set up a (31)______; just take a look at how much money you bring home in your (32)______, and write down everything you spend on a piece of paper. The aim is to get a (33)______ on how much money you are bringing in and where it is going. Whether you use plastic or (34)______, record what you bought, where you bought it, and how much you (35)______. At the end of the month it's a real (36)______. You'll see a whole lot of (37)______ you can do.


More exercises

Homework 1:

Fill the gaps in the following summary of the first 4 minutes of the video:

  1. Does the amount of ______ you have affect the kind of person you are?
  2. In a recent study, drivers of luxury cars were three to four times more ______ to break the law than drivers of less expensive, low ______ cars.
  3. The academic paper that resulted ______ ______ everywhere.
  4. It is very clear that this study of social class touched a ______.
  5. The results were ______ across thirty studies which were run on thousands of people all over the United States.

Homework 2

Useful phrases

ideal distribution
compared to our perception
the actual description
the top one percent
let us look at another way
make it simple
the total wealth of USA
all wealth of country is distributed equally
poverty line
of the chart
9 out ten of people
let us move on
certainly struggling
close to the reality
barely distinguishable
top 10 percent is better of
40 percent of all nations wealth
half a percent of theses investment
all the way the socialism
wake up that the reality

Answer keys: 


1. 3443
2. SE1 8PB
3. 43
4. 1963/'63
5. Moore
6. B
7. C
8. C
9. B
10. C

11. overwhelming
12. wages
13. household
14. machines
15. managing
16. overdrawn
17. red
18. interest

19. politics
20. learn
21. children's education / their children's education
22. a car
23. nursing care
24. crisis
25. early twenties
26. confidence
27. money management
28. low-risk investments

29. uncontrolled (checked others’ answers)
30. curtail
31. budget
32. paycheck
33. handle
34. pull cash out of your pocket
35. spent
36. eye-opener
37. cutting


1. wealth
2. likely, status
3. made headlines
4. nerve
5. consistent


Biên soạn: Ce Phan