( A2-B1 ) Intermédiaire — Leçon 11
Money & Personal Finance
Talking About Money, Banking and Personal Finance — Parler de l’argent, de la banque et des finances personnelles.
( 01 ) Objectifs
🎯 Objectifs de la leçon
Talk about money and spending — parler de l’argent et de ses dépenses.
Talk about salary and income — parler de son salaire et de ses revenus.
Talk about financial habits — parler de ses habitudes financières.
Ask and give information in a bank — demander et donner des informations dans une banque.
Talk about a bank account — parler d’un compte bancaire.
Carry out simple banking operations — effectuer des opérations bancaires simples.
Talk about prices and expenses — parler des prix et des dépenses.
Explain how to save money — expliquer comment économiser de l’argent.
Talk about a personal budget — parler d’un budget personnel.
Use too much, too many and enough — utiliser too much, too many et enough.
Use need to, have to and should — utiliser need to, have to et should.
Understand a conversation at the bank — comprendre une conversation à la banque.
Talk about financial habits for 2–3 minutes — parler de ses habitudes financières pendant 2 à 3 minutes.
( 02 ) Vocabulaire
💰 Money — L’argent
money
argent
cash
espèces / argent liquide
coin
pièce de monnaie
banknote / bill
billet
price
prix
cost
coût / coûter
income
revenu
salary
salaire
wage
rémunération / salaire
payment
paiement
budget
budget
expense
dépense
bill
facture
rent
loyer
tax
impôt / taxe
savings
économies / épargne
debt
dette
loan
prêt
interest
intérêt
( 03 ) Vocabulaire
🏦 Banking — La banque
bank
banque
bank account
compte bancaire
savings account
compte d’épargne
current account
compte courant
bank card
carte bancaire
credit card
carte de crédit
debit card
carte de débit
ATM / cash machine
distributeur automatique
PIN
code secret
bank transfer
virement bancaire
deposit
dépôt / déposer
withdrawal
retrait
balance
solde
transaction
transaction / opération
branch
agence
customer
client
bank employee
employé de banque
online banking
banque en ligne
( 04 ) Vocabulaire
📝 Verbes utiles
earn
gagner / percevoir
spend
dépenser
save
économiser
pay
payer
borrow
emprunter
lend
prêter
owe
devoir de l’argent
cost
coûter
afford
avoir les moyens de
withdraw
retirer
deposit
déposer
transfer
transférer
receive
recevoir
send
envoyer
charge
facturer
check
vérifier
open
ouvrir
close
fermer
( 05 ) Expressions
💬 Expressions utiles
How much do you earn?
Combien gagnez-vous ?
I earn a monthly salary.
Je perçois un salaire mensuel.
I try to save money every month.
J’essaie d’économiser de l’argent chaque mois.
I spend a lot of money on food.
Je dépense beaucoup d’argent en nourriture.
I don't spend much on clothes.
Je ne dépense pas beaucoup en vêtements.
I need to manage my money better.
Je dois mieux gérer mon argent.
How much does it cost?
Combien ça coûte ?
How much is it?
C’est combien ?
It's too expensive.
C’est trop cher.
It's quite cheap.
C’est assez bon marché.
It's affordable.
C’est abordable.
I can't afford it.
Je ne peux pas me le permettre.
Can I pay by card?
Puis-je payer par carte ?
Can I pay in cash?
Puis-je payer en espèces ?
I'd like to open a bank account.
Je voudrais ouvrir un compte bancaire.
I'd like to make a bank transfer.
Je voudrais faire un virement bancaire.
I'd like to withdraw some money.
Je voudrais retirer de l’argent.
I'd like to deposit some money.
Je voudrais déposer de l’argent.
What is my account balance?
Quel est le solde de mon compte ?
Can I change my PIN?
Puis-je changer mon code secret ?
My card isn't working.
Ma carte ne marche pas.
I lost my bank card.
J’ai perdu ma carte bancaire.
Can you help me, please?
Pouvez-vous m’aider, s’il vous plaît ?
( 06 ) Grammaire
📚 Grammaire : too much / too many / enough / should / need to / have to
A. Too much / Too many / Enough
« too much » s’utilise avec les noms indénombrables (too much money, too much water). « too many » s’utilise avec les noms dénombrables au pluriel (too many bills, too many expenses). « enough » signifie « assez ».
I spend too much money.
Je dépense trop d’argent.
I have too many expenses.
J’ai trop de dépenses.
I don't have enough money.
Je n’ai pas assez d’argent.
I have enough money to pay the bill.
J’ai assez d’argent pour payer la facture.
B. Should / Need to / Have to
« should » = conseil. « need to » = besoin / nécessité. « have to » = obligation.
You should save more money.
Tu devrais économiser davantage.
I need to reduce my expenses.
Je dois réduire mes dépenses.
I have to pay my rent every month.
Je dois payer mon loyer chaque mois.
You should make a budget.
Tu devrais faire un budget.
You should save some money.
Tu devrais mettre de l’argent de côté.
You shouldn't spend too much.
Tu ne devrais pas trop dépenser.
I need to pay my bills.
Je dois payer mes factures.
I have to manage my expenses.
Je dois gérer mes dépenses.
( 07 ) Conversation
💬 Opening a Bank Account
John
Good morning. I'd like to open a bank account.
Bonjour. Je voudrais ouvrir un compte bancaire.
Bank Employee
Good morning. What type of account would you like?
Bonjour. Quel type de compte souhaitez-vous ?
John
I'd like a current account.
Je voudrais un compte courant.
Bank Employee
Of course. Do you have your identification documents?
Bien sûr. Avez-vous vos pièces d’identité ?
John
Yes, I have my ID card and proof of address.
Oui, j’ai ma carte d’identité et un justificatif de domicile.
Bank Employee
Good. How much would you like to deposit?
Bien. Combien souhaitez-vous déposer ?
John
I'd like to deposit 200 dollars.
Je voudrais déposer 200 dollars.
Bank Employee
That's fine. Would you also like a bank card?
C’est parfait. Souhaitez-vous aussi une carte bancaire ?
John
Yes, please.
Oui, s’il vous plaît.
Bank Employee
Your card will be ready in a few days.
Votre carte sera prête dans quelques jours.
John
Thank you. Can I use online banking?
Merci. Puis-je utiliser la banque en ligne ?
Bank Employee
Yes, you can.
Oui, vous pouvez.
John
Great. Thank you for your help.
Parfait. Merci pour votre aide.
Bank Employee
You're welcome.
Je vous en prie.
( 08 ) Compréhension orale
🎧 Managing His Money
Écoutez sans lire le script, puis répondez aux questions.
1. When does David receive his salary?
2. What does he pay first?
3. What did David spend too much money on last year?
4. What has he created?
5. Where does he put some money every month?
Score : 0 / 5
( 09 ) Lecture
📖 My Monthly Budget
Sarah works for a small company and receives a monthly salary. At the beginning of every month, she makes a budget.
She first pays her rent, electricity and Internet bills. Then she plans how much she will spend on food, transportation and other needs.
Sarah tries not to spend too much money on unnecessary things. She usually compares prices before buying something expensive.
She also puts some money into her savings account every month. Her goal is to save enough money to buy a new computer next year.
Sarah believes that having a budget helps her control her spending and avoid financial problems.
1. Where does Sarah work?
2. When does she make her budget?
3. What does she pay first?
4. Why does she compare prices?
5. What does Sarah want to buy next year?
Score : 0 / 5
( 10 ) Expression orale
🗣️ Parlez de l’argent et de vos finances
Do you usually make a monthly budget?
Exemple : Yes, I try to make a budget at the beginning of every month.
What do you spend most of your money on?
Exemple : I spend most of my money on rent and food.
Do you try to save money?
Exemple : Yes, I put some money into my savings account every month.
What do you usually save money for?
Exemple : I usually save money for travel and emergencies.
Do you prefer to pay by card or cash?
Exemple : I prefer to pay by card because it's more convenient.
Have you ever opened a bank account?
Exemple : Yes, I opened a current account a few years ago.
Do you use online banking?
Exemple : Yes, I use online banking to check my balance and pay bills.
What is something you think is too expensive?
Exemple : I think rent in big cities is too expensive.
What should people do to manage their money?
Exemple : People should make a budget and avoid unnecessary expenses.
What would you like to save money for in the future?
Exemple : I would like to save money to buy a house in the future.
Mission orale : « My Personal Budget » — parlez pendant 2 à 3 minutes de votre situation financière quotidienne : vos revenus, vos dépenses principales, votre logement, vos factures, vos habitudes d’achat, vos économies et vos objectifs financiers.
I receive my salary at the end of every month. First, I pay my rent and bills. Then, I buy food and other things I need. I try not to spend too much money on restaurants and entertainment. I have a monthly budget, and I put some money into my savings account every month. I would like to save enough money to buy a new computer next year. I think people should make a budget and compare prices before buying expensive things.
( 11 ) Exercices
✍️ Exercices
A. Too much / Too many / Enough
I spend ___ much money on restaurants.
I have ___ many bills this month.
I don't have ___ money to buy a car.
She has ___ many expenses.
We have ___ money to pay the rent.
B. Should / Shouldn't
You want to save money. You ___ make a budget.
You have many debts. You ___ spend more money.
You want to save for a house. You ___ save regularly.
You have financial problems. You ___ ignore your bills.
You want to control your spending. You ___ compare prices.
Explication : « too much » + indénombrable, « too many » + pluriel, « enough » = assez. « should » = conseil, « need to » = nécessité, « have to » = obligation.
( 12 ) Traduction
🇫🇷 Traduisez en anglais
1. Je veux ouvrir un compte bancaire.
2. Je dois payer mon loyer.
3. J’essaie d’économiser de l’argent.
4. Je dépense trop d’argent en nourriture.
5. Je n’ai pas assez d’argent.
6. Combien coûte ce produit ?
7. Puis-je payer par carte ?
8. Je voudrais retirer de l’argent.
9. Je dois mieux gérer mon budget.
10. Vous devriez économiser régulièrement.
( 13 ) Jeu de rôle
🎭 At the Bank
Situation : Student A = Customer, Student B = Bank Employee. Utilisez « I'd like to open a bank account », « What type of account would you like? », « I'd like to make a deposit », « I'd like to withdraw some money », « What is my account balance? », « Can I use online banking? », « Can I have a bank card? » et « What documents do I need? ».
Student A — Customer
Good morning. I'd like to open a bank account. What documents do I need?
Student B — Bank Employee
Good morning. I need your ID card and proof of address. What type of account would you like?
Student A — Customer
I'd like a current account. Can I also have a bank card?
Student B — Bank Employee
Yes, of course. Your card will be ready in a few days. Would you like to make a deposit today?
Student A — Customer
Yes, I'd like to deposit 200 dollars. What is my account balance after the deposit?
Student B — Bank Employee
Your balance will be 200 dollars. You can also use online banking to check it at any time.
Student A — Customer
Can I withdraw money from an ATM?
Student B — Bank Employee
Yes, you can use your card at any ATM. Here is your PIN.
( 14 ) Quiz
📝 Quiz final — 10 questions
1. I ___ money every month.
2. I spend ___ much money on food.
3. I don't have ___ money.
4. 'Savings' signifie :
5. Which sentence is correct?
6. What do you use to get cash from a bank machine?
7. You want to save money. You ___ make a budget.
8. 'I can't afford it' signifie :
9. Which sentence is correct?
10. Which sentence is correct?
( 15 ) Mission finale
🎯 My Money and Financial Goals
Enregistrez-vous pendant 2 à 3 minutes : « How do you manage your money and what are your financial goals? » Utilisez too much, too many, enough, should, shouldn't, need to et have to.
I receive my salary at the end of every month. First, I pay my rent and bills. Then, I buy food and other things I need. I try not to spend too much money on restaurants and entertainment. I have a monthly budget, and I put some money into my savings account every month. I would like to save enough money to buy a new computer next year. I think people should make a budget and compare prices before buying expensive things.
( 16 ) Progression
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