Financial Advice: Everyday Dialogues

Diamo un'occhiata al vocabolario per la pianificazione finanziaria in inglese.

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Daniel Francis

Speaker (UK accent)

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Molly Malcolm

Speaker (American accent)

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Charlie: So, I think it’s time I managed my finances more pro-actively.

Alex: Have your circumstances changed?

Charlie: I’ve just started a good job with a much higher salary.

Alex: Congratulations! Let’s start with debt: do you have any? Any student loans still outstanding?

Charlie: No, nothing but the mortgage on my flat.

Alex: OK. Now tell me, how do you spend your income?

Charlie: The usual stuff: the mortgage, utility bills, food, going out, holidays

Alex: Do you put any aside for the future?

Charlie: Yes, I put a fixed amount in a high-interest savings account.

Alex: That’s good. What about investments or a pension plan?

Charlie: No, nothing like that. I don’t like taking risks and I’m not that old.

Alex: Oh, but the sooner you start, the better off you’ll be when you retire.

Charlie: I guess so.

Alex: Also, there are investment products for people with a low risk profile. You should make your money work for you.

Charlie: That sounds good. Please talk me through the options.

NOW  LET’S  REVIEW THE  VOCABULARY!

When you manage a situation, rather than responding to it when it becomes necessary, you are being ‘pro-active’ (instead of ‘reactive’).

Circumstances’ refer to the conditions of a person’s life, in this case, employment.

Debt’ is the money that you owe.

Nothing but’ is the same as ‘only’.

In finance, ‘outstanding’ means ‘not yet paid’.

A ‘mortgage’ is a long-term loan for buying a property.

The phrasal verb ‘to put aside’ means ‘to save’ (money).

A ‘fixed amount’ is a sum of money that is the same for every payment, for example, £100 a month.

A ‘high-interest savings account’ is a bank account specifically for saving money, which pays a higher-than-average interest rate.

‘Better off’ means ‘in a more favourable position’, often regarding money.

To retire’ is to stop working due to old age or illness.

A ‘risk profile’ is an assessment of a person’s willingness to take risks when investing money.

To talk someone through’ (the options) means to explain all the details to them.

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