( B1 ) B1 — Leçon 7
Money, Business & Personal Finance
Talking about money, banking, business, prices, saving and personal financial decisions — Argent, affaires et finances personnelles.
( 01 ) Introduction
🎯 Objectifs de la leçon
Dans cette leçon, vous apprenez à parler d’argent en anglais : revenus, dépenses, budget, épargne, banque, prix et projets financiers.
Vous utiliserez le Present Simple, le Past Simple, le Present Perfect, le futur, ainsi que should, have to, need to et must.
Parler de l’argent et de ses habitudes financières.
Parler de son salaire et de ses revenus.
Expliquer ses dépenses.
Parler de budget et d’épargne.
Discuter des prix et des achats.
Parler des banques et des services bancaires.
Expliquer un problème financier simple.
Demander des informations à une banque.
Donner des conseils concernant l’argent.
Parler de projets financiers futurs.
Utiliser le Present Simple, le Past Simple, le Present Perfect et le futur.
Utiliser should, have to, need to et must.
Tenir une conversation de 3 à 5 minutes sur les finances personnelles.
( 02 ) Vocabulary
📚 Vocabulaire de l’argent et des affaires
A. Money — l’argent
money
argent
cash
espèces / liquide
coin
pièce de monnaie
banknote
billet de banque
price
prix
cost
coût
payment
paiement
income
revenu
salary
salaire (mensuel)
wage
salaire (horaire / journalier)
profit
bénéfice
loss
perte
debt
dette
loan
prêt
interest
intérêt
tax
impôt / taxe
bill
facture
expense
dépense
budget
budget
saving
épargne (action d’épargner)
savings
économies
account
compte
bank account
compte bancaire
balance
solde
credit card
carte de crédit
debit card
carte de débit
transfer
virement
cash withdrawal
retrait d’espèces
deposit
dépôt
bank statement
relevé bancaire
B. Banking — la banque
bank
banque
customer
client
banker
banquier
account number
numéro de compte
ATM
distributeur automatique
cash machine
distributeur de billets
branch
agence
online banking
banque en ligne
mobile banking
banque mobile
transaction
transaction
transfer
virement
withdrawal
retrait
deposit
dépôt
loan
prêt
interest rate
taux d’intérêt
financial advice
conseil financier
C. Business — les affaires
business
entreprise / affaires
company
société
customer
client
supplier
fournisseur
employee
employé
employer
employeur
manager
responsable
office
bureau
factory
usine
product
produit
service
service
sale
vente
market
marché
investment
investissement
investment plan
plan d’investissement
profit
bénéfice
loss
perte
business partner
partenaire commercial
contract
contrat
invoice
facture
payment
paiement
D. Verbes de l’argent
earn
gagner (de l’argent)
spend
dépenser
save
économiser
borrow
emprunter
lend
prêter
pay
payer
cost
coûter
buy
acheter
sell
vendre
invest
investir
afford
avoir les moyens de
charge
facturer
receive
recevoir
transfer
virer / transférer
withdraw
retirer
deposit
déposer
manage
gérer
plan
planifier
budget
budgétiser
waste
gaspiller
( 03 ) Useful Expressions
💬 Expressions utiles
A. Habitudes financières
I earn a monthly salary.
Je gagne un salaire mensuel.
I usually spend money on food and transportation.
Je dépense généralement de l’argent pour la nourriture et le transport.
I try to save some money every month.
J’essaie d’économiser un peu d’argent chaque mois.
I need to manage my money carefully.
Je dois gérer mon argent avec soin.
I don't have enough money to buy it.
Je n’ai pas assez d’argent pour l’acheter.
It's too expensive for me.
C’est trop cher pour moi.
It's affordable.
C’est abordable.
B. À la banque
I'd like to open a bank account.
J’aimerais ouvrir un compte bancaire.
I'd like to make a bank transfer.
J’aimerais effectuer un virement bancaire.
Could you check my account balance?
Pourriez-vous vérifier le solde de mon compte ?
I'd like to apply for a loan.
J’aimerais demander un prêt.
What is the interest rate?
Quel est le taux d’intérêt ?
How much does this service cost?
Combien coûte ce service ?
C. Donner des conseils
You should save more money.
Tu devrais économiser plus d’argent.
You need to create a budget.
Tu dois créer un budget.
You shouldn't spend too much money.
Tu ne devrais pas dépenser trop d’argent.
You have to pay your bills on time.
Tu dois payer tes factures à temps.
( 04 ) Grammar
🧠 Talking About Money — parler d’argent
1. Present Simple — habitudes financières
On utilise le Present Simple pour les habitudes régulières (every month, usually).
I save money every month.
Present Simple : habitude financière régulière.
She spends a lot of money on clothes.
Present Simple à la 3e personne : spends (+ s).
2. Past Simple — situations financières terminées
Action finie avec un moment précis : last month, two years ago, yesterday.
I bought a new computer last month.
Past Simple : action terminée (last month).
He opened his bank account two years ago.
Past Simple + ago : moment précis et fini.
3. Present Perfect
have/has + participe passé : résultat présent, expérience (ever), action déjà faite (already).
I have saved enough money for my trip.
Present Perfect : résultat présent d’une action passée.
She has already paid the bill.
Present Perfect + already : action déjà faite.
Have you ever taken out a loan?
Present Perfect + ever : expérience de vie.
4. Modaux : should / have to / need to / must
should = conseil · have to = obligation · need to = nécessité · must = obligation forte. Après ces modaux, le verbe reste à la base (sans « to » après should et must).
You should save money.
should = conseil (tu devrais).
You have to pay your taxes.
have to = obligation extérieure (tu dois).
I need to reduce my expenses.
need to = nécessité (j’ai besoin de).
You must protect your bank information.
must = obligation forte (il faut absolument).
( 05 ) Conversation
💬 A Conversation About Personal Finance
John
Hi Mary. How do you manage your money?
Salut Mary. Comment gères-tu ton argent ?
Mary
I try to make a monthly budget.
J’essaie de faire un budget mensuel.
John
Is it difficult to follow your budget?
Est-ce difficile de suivre ton budget ?
Mary
Sometimes. I have many expenses.
Parfois. J’ai beaucoup de dépenses.
John
What do you spend the most money on?
Pour quoi dépenses-tu le plus d’argent ?
Mary
Food, transportation and household expenses.
La nourriture, le transport et les dépenses du foyer.
John
Do you save money every month?
Économises-tu de l’argent chaque mois ?
Mary
Yes. I try to save at least ten percent of my income.
Oui. J’essaie d’économiser au moins dix pour cent de mes revenus.
John
That's a good idea. Do you have a savings account?
C’est une bonne idée. As-tu un compte d’épargne ?
Mary
Yes, I do. I opened one last year.
Oui. J’en ai ouvert un l’année dernière.
John
Have you ever taken out a bank loan?
As-tu déjà contracté un prêt bancaire ?
Mary
No, I haven't. I prefer to save money before buying something expensive.
Non. Je préfère économiser avant d’acheter quelque chose de cher.
John
That's a good financial habit.
C’est une bonne habitude financière.
Mary
What about you?
Et toi ?
John
I also try to save money. My goal is to start a small business in the future.
J’essaie aussi d’économiser. Mon objectif est de créer une petite entreprise à l’avenir.
Mary
That's interesting. You should prepare a good business plan.
C’est intéressant. Tu devrais préparer un bon plan d’affaires.
John
I agree. I need to manage my money carefully first.
Je suis d’accord. Je dois d’abord gérer mon argent avec soin.
( 06 ) Listening
🎧 Managing My Money
Écoutez l’enregistrement sans lire le script, puis répondez aux 5 questions.
1. Where does David work?
2. What does David pay every month?
3. What did David realize last year?
4. What did he start doing?
5. What does he want to do in the future?
Score : 0 / 5
( 07 ) Reading
📖 My Monthly Budget
I have a simple financial plan. At the beginning of every month, I receive my salary. First, I pay my rent and other important bills.
Then, I buy food and pay for transportation. I also put some money into my savings account. I try not to spend money on unnecessary things.
Last year, I had some financial problems because I spent too much money. Since then, I have learned to manage my budget better. My goal is to save enough money to buy a car.
1. When does the writer receive the salary?
2. What does the writer pay first?
3. Why did the writer have financial problems?
4. What has the writer learned?
5. What does the writer want to buy?
Score : 0 / 5
( 08 ) Speaking
🗣️ Parlons d’argent et de finances personnelles
Do you usually save money?
Exemple : Yes, I usually save a small part of my salary every month.
What do you spend the most money on?
Exemple : I spend the most money on food and transportation.
Do you have a monthly budget?
Exemple : Yes, I make a simple budget at the beginning of every month.
How do you manage your expenses?
Exemple : I write down my expenses and I check my bank statement.
What is something expensive you would like to buy?
Exemple : I would like to buy a new computer.
Have you ever borrowed money?
Exemple : Yes, I have borrowed money from a friend once.
Have you ever had financial problems?
Exemple : Yes, I had financial problems last year because I spent too much.
What should people do to save money?
Exemple : People should create a budget and avoid unnecessary expenses.
Would you like to start a business?
Exemple : Yes, I would like to start a small business one day.
What is your financial goal for the future?
Exemple : My financial goal is to save enough money to buy a car.
Mission orale : « My Personal Financial Plan ». Parlez pendant 3 à 5 minutes.
Présentez : 1) vos revenus · 2) vos dépenses · 3) vos habitudes d’épargne · 4) votre budget · 5) vos objectifs financiers · 6) un achat important souhaité · 7) votre projet professionnel ou commercial.
( 09 ) Grammar Practice
✍️ 10 questions de grammaire
1. I usually ___ money every month.
2. She ___ her electricity bill yesterday.
3. I have ___ enough money for my trip.
4. You ___ create a monthly budget.
5. He ___ too much money last month.
6. Have you ever ___ a bank loan?
7. I ___ to reduce my expenses.
8. She has ___ paid the bill.
9. We ___ pay our taxes on time.
10. He ___ money in a small business last year.
Rappel : every month → Present Simple · yesterday / last month → Past Simple · already / ever → Present Perfect · should + base verbale · need to / have to + base verbale.
( 10 ) Translation
🇫🇷 Traduisez en anglais
1. J’économise de l’argent chaque mois.
2. Je dois réduire mes dépenses.
3. Elle a déjà payé la facture.
4. Combien coûte ce produit ?
5. J’aimerais ouvrir un compte bancaire.
6. Avez-vous déjà demandé un prêt ?
7. Je dépense beaucoup d’argent pour la nourriture.
8. Nous devons gérer notre budget.
9. Il a commencé une petite entreprise l’année dernière.
10. Mon objectif est d’économiser davantage.
( 11 ) Role-play
🎭 At the Bank
Rôle A : le client se rend à la banque — il demande des informations, vérifie son solde, demande comment faire un virement, pose une question sur un prêt et le taux d’intérêt, et demande conseil. Rôle B : le conseiller bancaire répond.
Role A — Customer : demander une information
Good morning. I'd like some information about opening a bank account.
Role B — Bank Officer : accueillir le client
Good morning. Certainly. What type of account would you like?
Role A — Customer : préciser sa demande
I'd like a savings account.
Role B — Bank Officer : demander les documents
No problem. Do you have your identification documents?
Role A — Customer : répondre
Yes, I do.
Role B — Bank Officer : proposer un service
Good. Would you also like information about our loans?
Role A — Customer : demander le taux d’intérêt
Yes. What is the interest rate?
Role B — Bank Officer : expliquer
It depends on the type of loan.
Role A — Customer : vérifier son solde
Could you check my account balance, please?
Role A — Customer : demander conseil
How can I make a bank transfer, and what do you advise me to do to save money?
( 12 ) Final Quiz
📝 Quiz final — 10 questions
1. What do we use a budget for?
2. “I saved money last month” is:
3. Which sentence is correct?
4. You ___ save some money every month.
5. What is “income”?
6. What is a loan?
7. “I spent too much money” means:
8. Which sentence is correct?
9. What is the opposite of “expensive”?
10. Which question is correct?
( 13 ) Final Mission
🏁 B1 – My Money & Business Plan
Sujet : « My Money & Business Plan ». Parlez pendant 3 à 5 minutes.
- How do you manage your money?
- What are your main expenses?
- How much do you try to save?
- What is your financial goal?
- Do you want to start a business?
- What kind of business would you like to start?
- How would you finance it?
- What financial problems could you have?
- What would you do to solve them?
- What is your plan for the next five years?
Évaluation : Vocabulary 20% · Grammar 20% · Fluency 20% · Pronunciation 15% · Organization & Content 15% · Communication 10% — Total 100%.
I would like to talk about my money and my business plan. I earn a monthly salary and I try to manage my money carefully. My main expenses are rent, food and transportation. Every month, I try to save about ten percent of my income. Last year, I spent too much money, so I started making a budget. Since then, I have saved more money. My financial goal is to buy a car and to start a small business. I would like to open a small shop. I would finance it with my savings and maybe a small bank loan. One problem could be a low income at the beginning, so I would reduce my expenses and look for new customers. In the next five years, I want to have a stable business and enough savings for my family.
( 14 ) Progression
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