Topic 18: Budgeting and Saving Money

A1 - A2 (Beginner - Elementary)

1. What does “saving money” mean?

2. Do you like saving money or spending it? Why?

3. What do you usually spend money on?

4. Do you think saving money is important? Why?

5. What is something expensive that you want to buy?

6. Do you keep track of how much money you spend?

7. What is a piggy bank? Have you ever used one?

8. How do people save money?

9. Have you ever saved money for something special? What was it?

10. Do you prefer to pay with cash or a credit card? Why?

11. What is a good way to save money every day?

12. Do you think shopping online helps people save money? Why or why not?

13. What do you think is a waste of money?

14. Do you think rich people need to budget their money? Why or why not?

15. Have you ever spent too much money on something? What was it?

16. What is one tip for saving money?

B1 - B2 (Intermediate - Upper-Intermediate)

17. What is the difference between budgeting and saving?

18. Why do some people find it difficult to save money?

19. How does budgeting help people manage their finances?

20. What are the benefits of having a monthly budget?

21. Do you think students should learn about money management in school? Why?

22. How do people save money when traveling?

23. Do you think it’s better to use cash or credit cards? Why?

24. What are the biggest mistakes people make with money?

25. How can someone start saving money with a small income?

26. What are some good habits for saving money?

27. How do advertising and marketing affect people’s spending habits?

28. Do you think social media makes people spend more money? Why?

29. What are some good ways to save money when shopping?

30. How does inflation affect people’s ability to save money?

31. Should young people start investing early? Why or why not?

32. What is the best advice you have heard about managing money?

C1 - C2 (Advanced - Proficient)

33. What is the psychological impact of budgeting and financial planning?

34. How does culture influence people’s attitudes toward saving money?

35. Should governments encourage people to save money? How?

36. What role does financial literacy play in personal success?

37. How do interest rates affect saving and spending habits?

38. What are the ethical concerns related to consumer debt and credit cards?

39. Is it better to save money or invest it? Why?

40. How has technology changed the way people manage their finances?

41. Should financial education be a mandatory subject in schools? Why or why not?

42. How do different generations approach budgeting and financial planning?

43. How does budgeting differ between personal finance and business finance?

44. Can extreme frugality lead to a lower quality of life? Why or why not?

45. What are the risks and rewards of investing money instead of saving it?

46. How do financial habits reflect a person’s personality and lifestyle?

47. Should employers provide financial wellness programs for employees? Why or why not?

48. What are some key financial lessons people should learn before turning 30?