A: are you ready to go to the bank?
B: sure, what do you need to do there?
A: there’s problem with my bank statement. There’s a mistake on it. I also need to withdraw some money form the ATM.
B: I have to exchange some money.
A: that’s right. You’re going away next week.
B; I also want to see if my salary has been paid into my bank account. There was a problem last week.
A; I have to pay my credit bill too. If I don’t pay it soon, the credit card company will charge me interest.
B: their interest rates are usually quite high. It’s a good idea to pay off your credit card debts before they attract interest.

Intermediate
A; I heard that janet has got a new job. She’s working for the united investment group. I hear that they pay very well.
B; I heard that too. She must be making a pocket. Well, good for her.
A; now, she’ll be able to save up for that holiday in the united states.
B; yes, she will. At the moment, the exchange rate is very favorable, so she should try to go as soon as possible, while it’s cheaper.
A: you’re right. By the way, did you hear that tom inherited some money recently?
B; really? I thought his parents had died several years ago.
A; they did. He inherited the money form an uncle. I hope he doesn’t lose a lot of it in taxed to the government.
B; dying can be very expensive nowadays! What’s he going to do with it?
A; he said that he would probably invest most of it. He’s got a well-paid job, so he doesn’t need the money to cover day-to day expenses. He just wants some extra money available for when he retires.
B: I had some good financial news yesterday too.
A; really? Have you won a fortune in the lottery?
B: no, but I got a pay rise of 5% and a hours for all the hard work I’ve put in recently. I think it was very nice for my boss to show his appreciation in that way.
A; It certainly was! So, what are you going to do with your windfall?

words
credit card cash loan borrow cheque/check banknote/bill coin cashless society tax(rate) pension fare purchase interest in the black in the red account (bank)statement receipt currency exchange rate invest(ment) bargin refund salary wage fee pocket money bonus