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It is necessary to create saving habits

Вы услышите 6 высказываний. Установите соответствие между высказываниями каждого говорящего A–F и утверждениями, данными в списке 1–7. Используйте каждое утверждение, обозначенное соответствующей цифрой, только один раз. В задании есть одно лишнее утверждение. Вы можете прослушать запись дважды.

  1. It is necessary to create saving habits.
  2. Saving money should pursue actual targets.
  3. Modern technology helps to save.
  4. To save or not to save is a personal decision.
  5. The way of saving depends on priorities.
  6. The outgoings are recorded.
  7. Controlling the expenses helps to save money.

Speaker A

The first step I make to save money is figuring out how much I spend. I keep track of all my expenses — that means every coffee, newspaper and snack I buy. Ideally, I can account for every penny. Once I have my data, I organize the numbers by categories, such as gas, groceries and mortgage, and total each amount. I consider using my credit card or bank statements to help me with this.

Speaker B

Once I have an idea of what I spend in a month, I can begin to organize my recorded expenses into a workable budget. My budget should outline how my outgoings measure up to my income. I want to be sure to factor in the sums to be paid that occur regularly but not every month, such as car maintenance. Creating a budget with a template can help me feel more in control of my finances and let me save money for my goals.

Speaker C

Now that I’ve made a budget, I create a savings category within it. I try to put away 10–15 percent of my income as savings. If my expenses are so high that I can’t save that much, it might be time to cut back. To do so, I identify non-essentials that I can spend less on, such as entertainment and dining out. Considering savings a regular expense, similar to groceries, is a great way to reinforce good savings habits.

Speaker D

One of the best ways for me to save money is to set a goal. I start by thinking of what I might want to save for — anything from a down payment for a house to a vacation — then I figure out how long it might take me to save for it. Here are some examples of short-term goals: emergency fund, vacation, down payment for a car. And these are the examples of long-term goals: retirement, the child’s education, down payment on a home or a remodeling project.

Speaker E

After my expenses and income, my goals are likely to have the biggest impact on how I save money. I try to be sure to remember longterm goals — it’s important that planning for retirement doesn’t take a back seat to shorter-term needs. Setting goals can give me a clear idea of where to start saving. For example, if I know I’m going to need to replace my car in the near future, I could start putting money away for one.

Speaker F

Almost all banks offer automated transfers between your checking and savings accounts. I can choose when, how much and where to transfer money to, or even split my direct deposit between my checking and savings accounts. Automated transfers are a great way to save money since I don’t have to think about it and it generally reduces the temptation to spend the money instead. I check my progress every month.

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